U.S. Bank Business Platinum Card


For People with
Fair Credit

REVIEWS

Reviews

The U.S. Bank Business Platinum card is a low-interest credit card for business owners that has no rewards program or U.S. Bank FlexPerks, but may be useful for big purchases and balance transfers.

This card is only available in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, ND, NM, OH, OR, SD, TN, UT, WA, WI, WY

This card offers a 0% intro APR on purchases and balance transfers for 12 billing cycles, and after that you’ll have APRs of 12.24%–20.24% Variable.

Aside from a low interest rate, free employee cards, and a few minor Visa benefits, you probably won’t get a lot out of this card. It doesn’t come with a signup bonus, cash back earnings, or bonus points.

This business card has no annual fee and a 3% foreign transaction fee.

Card Quick Facts

Card Quick Facts

  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that variable APR currently 12.24% – 20.24%*
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions
  • This product is available in the following states: AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, ND, NM, OH, OR, SD, TN, UT, WA, WI, WY

For People with
Fair Credit

REVIEWS

Reviews

Manage My Card

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Card Details

Rewards

Rewards

This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 12.24%–20.24% Variable
Intro Purchase APR 0% for 12 billing cycles
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR 29.99%
Late Fee Up to $39
Returned Payment Fee $35
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 12 billing cycles
Regular Balance Transfer APR 12.24%–20.24% Variable
Balance Transfer Fee 3%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 26.24% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Visa Discounts

    Discounts and offers at a variety of online and in-store retailers.

  • Visa® SavingsEdge®

    Complimentary program that gives up to a 15% discount on certain business purchases at qualifying merchants.

  • Visa® Payment Controls

    Lets you decide how, when, and where your employees use their business cards.

  • Visa® Liability Waiver Program

    Protects your business from possible card misuse by terminated employees.

  • Fraud Protection

    Proactively monitors your account for fraudulent activity.

  • Zero Fraud Liability

    You won’t be held responsible for unauthorized account activity (contact customer support immediately if you suspect fraud).

  • Extended Warranty Protection

    Your card extends the time period for U.S. manufacturer’s warranties by an additional year, on eligible warranties of three years or less.

  • Purchase Security

    For the first 90 days your eligible items are covered against theft or damage under certain circumstances.

  • Travel and Emergency Assistance

    Call for legal and medical referrals, or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

  • Auto Rental Collision Damage Waiver

    Must decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most rental cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.

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