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The U.S. Bank Business Platinum Card offers almost two years of no interest for a $0 annual fee, making it ideal if you’re a business owner looking for a long 0% intro APR on purchases and balance transfers.
If you need to finance a large purchase over time and are confident that the bulk of the cost can be repaid within the intro period, then you can avoid taking out a personal loan and the associated interest charges if you decide to apply for the U.S. Bank Business Platinum Card.
Or, if you are currently carrying high-interest debt that you’d like pay down more quickly by avoiding interest charges, the generous intro balance transfer promotion on the U.S. Bank Business Platinum Card can help you do that, too.
Just know that the U.S. Bank Business Platinum Card doesn’t offer a rewards program, but with its reasonable ongoing APR of 17.49% to 26.49%, it may be the perfect fit your business.
Intro Purchase APR
0% intro APR on purchases for 18 billing cycles
Regular Purchase APR
17.49% to 26.49%
Intro BT APR
N/A
Regular BT APR
17.49% to 26.49%
Annual Fee
$0
Cash Advance Fee
Either 5% of the amount of each advance or $10 minimum, whichever is greater.
Foreign Transaction Fee
3% on each foreign transaction
Balance Transfer Fee
Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Generous intro APR on purchases and balance transfers
The U.S. Bank Business Platinum Card offers a very generous N/A; after, a 17.49% to 26.49% APR applies. The card’s balance transfer fee is Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
There’s also a lengthy 0% intro APR on purchases for 18 billing cycles, after which a 17.49% to 26.49% APR applies.
Annual fee
When trying to save money on interest charges, it’s nice to know that the U.S. Bank Business Platinum Card also comes with a $0 annual fee.
Low ongoing APR
Once you’ve taken advantage of the intro APR periods, know that you won’t be stuck with a high ongoing APR after the promotional APR expires. The U.S. Bank Business Platinum Card comes with a very reasonable APR of 17.49% to 26.49%.
No rewards program
The U.S. Bank Business Platinum Card doesn’t offer a rewards program — but when your goal is to escape from interest charges for a time, it’s best to focus on paying off your balance in full within the promotional period rather than racking up rewards.
However, know that there are other business cards that may have offer more ongoing value with generous rewards programs, but typically offer shorter intro APR periods.
Limited benefits
If you’re looking for a business card that offers a slew of benefits, such as extended warranty, car rental insurance, travel benefits or cellphone insurance, know that the U.S. Bank Business Platinum Card does not offer these.
Foreign transaction fees
In addition to offering limited benefits, the U.S. Bank Business Platinum Card is a card you’ll want to leave at home when traveling abroad as it assesses a fee of 3% on each foreign transaction.
If you’re a business owner looking for a reasonable intro APR period on purchases and balance transfers that also offers strong ongoing value after the intro periods end, the U.S. Bank Triple Cash Rewards Visa® Business Card could be a good fit instead.
The card offers cash back rewards in popular business spending categories: Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center. No limit on total cash back earned.
This $0 annual fee card also offers a sign-up bonus: Earn $750 in cash back — just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
The U.S. Bank Triple Cash Rewards Visa® Business Card also comes with an APR of n/a, then a 18.49% to 27.49% variable APR applies. The card charges a balance transfer fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater.
In addition, cardholders receive a 0% intro APR for 12 billing cycles on purchases, then a 18.49% to 27.49% variable APR applies.
| Credit Cards | Our Ratings | Annual Fee | Rewards Rate | Welcome Offer | Intro Balance Transfer APR | Regular Balance Transfer Rate | Balance Transfer Fee | Intro Purchase APR | Regular APR | |
|---|---|---|---|---|---|---|---|---|---|---|
|
U.S. Bank Business Platinum Card*
|
$0 | N/A | N/A | N/A | 17.49% to 26.49% | Either 3% of the amount of each transfer or $5 minimum, whichever is greater | 0% intro APR on purchases for 18 billing cycles | 17.49% to 26.49% | ||
U.S. Bank Triple Cash Rewards Visa® Business Card*
|
$0 | Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center. No limit on total cash back earned. | Earn $750 in cash back — just spend $6,000 on the Account Owner's card in the first 180 days of opening your account. | N/A | 18.49% to 27.49% variable | Either 3% of the amount of each transfer or $5 minimum, whichever is greater | 0% intro APR for 12 billing cycles on purchases | 18.49% to 27.49% variable | ||
Ink Business Cash® Credit Card
 Apply Now
on Chase's secure site |
$0 | Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn. | Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. | N/A | 17.99% - 23.99% Variable | Either $5 or 5% of the amount of each transfer, whichever is greater. | 0% Intro APR on Purchases for 12 months | 17.99% - 23.99% Variable |
Apply Now
on Chase's secure site |
|
PNC Visa® Business Credit Card*
|
$0 | N/A | N/A | Introductory 0% APR for the first 13 billing cycles following account opening on balance transfers | 17.24% to 27.24% Variable | Either $5 or 5% of the amount of each balance transfer, whichever is greater. | Introductory 0% APR for purchases for the first 13 billing cycles following account opening | 17.24% to 27.24% Variable |
Given its generous intro APR promotions for purchases and balance transfers, the U.S. Bank Business Platinum Card would be a great choice if your business is looking specifically for a card to help you avoid interest charges to either finance a large purchase or move high-interest debt via a balance transfer.
The intro offers are hard to beat when compared to competing business credit cards.
However, other than its intro APR deals, the U.S. Bank Business Platinum Card is a no-frills card with not much to offer in terms of ongoing value after the intro APR promotions expire. There is no rewards program, no sign-up bonus and very limited benefits for cardholders.
Check out our list of the best business rewards cards as well as our list of best business balance transfer cards before you apply.
The information related to the U.S. Bank Business Platinum Card, U.S. Bank Triple Cash Rewards Visa® Business Card and PNC Visa® Business Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
