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The 4 Best U.S Bank Business Credit Cards for Cash-Back & Rewards [2025]

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Stephen Au
Updated: 
Edited by: Juan Ruiz
& Keri Stooksbury
The 4 Best U.S Bank Business Credit Cards for Cash-Back & Rewards [2025]
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U.S. Bank is one of the largest financial institutions and banks globally. Headquartered in Minneapolis, this publicly-traded bank offers banking, investment, mortgage, and business services to its clients.

Surprisingly, U.S. Bank is considerably behind in the competition for credit cards, and its limited credit card portfolio focuses almost entirely on cash-back rewards.

While it’s unfortunate that U.S. Bank can’t compete with the likes of American Express, Chase, Citi, or Capital One, it’s still worth seeing what U.S. Bank business credit cards offer.

In this guide, we’ll walk you through all of the best U.S. Bank business credit cards.

As you’ll find out, cash-back is the name of the game, but there is a business credit card that earns airline miles.

Let’s get right into it!

The Best U.S Bank Business Credit Cards for Cash-Back & Rewards — Overview

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Card

Welcome Offer and Annual Fee

Benefits

U.S. Bank Business Leverage® Visa Signature® Card

  • Earn 75,000 bonus points by spending $7,500 on the Account Owner's card in the first 120 days of account opening.
  • $0 intro annual fee for the first year, then $95
  • 5x points on prepaid hotel and car reservations booked directly in the Travel Center
  • 2x points in the top 2 categories where you spend the most each month automatically
  • 1x point on all other purchases

SKYPASS Business Card

  • Earn 30,000 bonus miles after spending $3,000 on purchases in 90 days, and a further 20,000 bonus miles after spending and additional $7,000 on purchases in 6 months
  • Annual fee of $95
  • 2x miles per $1 on Korean Air purchases
  • 2x miles per $1 on electric vehicle charging stations, gas stations, and hotels
  • 1x mile per $1 on all other purchases

U.S. Bank Business Platinum Card

  • No welcome offer
  • Annual fee of $0
  •  0% introductory APR on purchases and balance transfers for 12 billing cycles

U.S. Bank Triple Cash Rewards Visa® Business Card

  • Earn $500 in cash-back when you spend $4,500 or more on the Account Owner’s card in the first 150 days of opening your account.
  • Annual fee of $0
  • 5% cash-back on prepaid hotel and car reservations booked directly in the Travel Center
  • 3% cash-back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants
  • 1% cash-back on all other purchases

Best Business Card for Cash-Back

In this introductory section, we’ll show you the best U.S. Bank business credit card for cash-back.

U.S. Bank Business Leverage® Visa Signature® Card

U.S. Bank Business Leverage® Visa Signature® Card
U.S. Bank Business Leverage® Visa Signature® Card
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The U.S. Bank Business Leverage card adapts the rewards you earn to your top 2 eligible spend categories each month.

U.S. Bank Business Leverage® Visa Signature® Card
The U.S. Bank Business Leverage card adapts the rewards you earn to your top 2 eligible spend categories each month.
Earn 75,000 bonus points by spending $7,500 on the Account Owner's card in the first 120 days of account opening.
75,000 points
$0 Intro Annual Fee, then $95
18.49% - 25.49% Variable
Why We Like This Card

The U.S. Bank Business Leverage card is a good option for business owners looking for a card that adapts to their changing business expenses month to month.

Pros & Cons
Pros
  • 5x points on prepaid hotels and car rentals booked directly in the Travel Reward Center
  • 2x points in the top two categories where you spend the most each month automatically
  • 1x points on all other purchases
Cons
  • Rewards are limited to a maximum redemption of 1 cent per point
  • Other cards offer 2x rewards on all purchases as opposed to just your top 2 spend categories
Read Full Review
Card Highlights
  • Earn 75,000 bonus points by spending $7,500 on the Account Owner’s card in the first 120 days of account opening
  • 5x points on prepaid hotels and car rentals booked directly in the Travel Reward Center
  • 2x points in the top two categories where you spend the most each month automatically
  • 1x points on all other purchases
  • Free employee cards
  • Pay over time with a U.S. Bank ExtendPay® Plan
  • No foreign transaction fees
  • $0 Intro Annual Fee for the first year, then $95 thereafter
Financial Snapshot
  • APR: 18.49% - 25.49% Variable
  • Foreign Transaction Fees: 

The U.S. Bank Business Leverage card is arguably U.S. Bank’s flagship business credit card, and it’s surely the best business credit card for cash-back available at U.S. Bank.

Currently, you’ll find a strong welcome bonus on the card. The welcome bonus is received as points, which are worth up to $750 in rewards. Also, you’ll earn 2x points in the top 2 categories where you spend the most each month automatically.

There are no caps or limits on the total rewards you can earn, and your top 2 categories are adjusted every month based on your spending!

Even better, get 5x points on prepaid hotels and car rentals booked directly through the U.S. Bank Travel Center.

With this card, you can use U.S. Bank ExtendPay Plan to split up eligible purchases of $100 or more into equal monthly payments for a flat fee.

You’ll enjoy expense management capabilities with U.S. Bank Spend Management, and be able to add additional employee cards for no additional annual fees.

Lastly, this card comes with standard Visa Signature benefits, including extended warranty, basic travel insurance, and rental car coverage.

Best Airline Business Card

We mentioned above that U.S. Bank has an airline miles credit card. This product is co-branded with Korean Air’s frequent flyer program SKYPASS.

SKYPASS Visa® Business Card

We like the SKYPASS Business card because it’s one of U.S. Bank’s only business credit cards that earns miles.

With SKYPASS miles, you can book flights on Korean Air and SkyTeam partners, even Korean Air first class!

Currently, the SKYPASS Business card has a welcome bonus, plus a cardmember renewal bonus of 2,000 miles every year.

On top of this, you can expect to earn up to 2x miles:

  • 2x SKYPASS miles on Korean Air ticket purchases, at gas stations, and at hotels
  • 1x SKYPASS miles on other purchases

Check out some of the Korean Air-specific perks you’ll get with the SKYPASS Business card:

  • 2 KAL Lounge coupons every year
  • $50 off coupon for Korean Air ticket purchases each year
  • The ability to get closer to Morning Calm elite status with credit card spending

This credit card is a Visa Signature card, which entitles you to travel and emergency assistance services, travel accident insurance, a 24/7 Visa Concierge, roadside dispatch, purchase protection, extended warranty, rental car insurance, and more.

Finally, the SKYPASS Business card has no foreign transaction fees and the ability to add employee cards for no additional annual fee.

Bottom Line: If you’re looking for the best U.S. Bank business credit card to maximize airline rewards, the SKYPASS Business card is one of your only options.

Best 0% Introductory APR Business Cards

Looking to consolidate debt from your existing business credit cards? Or maybe, you’re just looking for a card that defers interest on new purchases.

Whatever the case, U.S. Bank has a couple of awesome 0% introductory APR business credit cards you might be interested in.

U.S. Bank Business Platinum Card

One of the most underrated business credit cards from U.S. Bank is the U.S. Bank Business Platinum card.

Sure, this card is not a rewards credit card, but you can get some of the best terms for 0% introductory APR in the business, especially if you’re also looking for 0% introductory APR on balance transfers.

The U.S. Bank Business Platinum card boasts a 0% introductory APR on purchases and balance transfers for 12 billing cycles.

Just keep in mind that all balance transfers must be done within the first 30 days after account opening to be eligible for the 0% introductory APR.

That being said, this card truly has only bare-bones benefits, like access to Visa Spend Clarity, contactless payments, and access to U.S. Bank ExtendPay Plan.

Luckily, there are no additional annual fees for employee cards, as well as no annual fee overall for the primary cardholder.

Bottom Line: If you’re looking to consolidate existing debt for 0% APR for as long as possible through balance transfers, the U.S. Bank Business Platinum card is a good option.

U.S. Bank Triple Cash Rewards Visa® Business Card

U.S. Bank Triple Cash Rewards Visa® Business Card
U.S. Bank Triple Cash Rewards Visa® Business Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn up to 5% back on select business expenses with no annual fee.

U.S. Bank Triple Cash Rewards Visa® Business Card
Earn up to 5% back on select business expenses with no annual fee.
Earn $500 in cash-back when you spend $4,500 or more on the Account Owner’s card in the first 150 days of opening your account.
$500
$0
0% intro APR on purchases and balance transfers for 12 months, then a variable APR of 17.49% - 26.49%
Why We Like This Card

The U.S. Bank Triple Cash Visa Business card is a great option for business owners looking for a $0-annual-fee card that offers bonus cash-back on gas and EV charging stations, office supply stores, cell phone service providers, and restaurants.

Pros & Cons
Pros
  • 5% back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
  • 3% back on gas and EV charging stations, office supply stores, cell phone service providers, and restaurants
  • $100 annual credit for recurring software subscriptions
Cons
    • Rewards aren’t flexible
Read Full Review
Card Highlights
  • Earn $500 in cash-back when you spend $4,500 or more on the Account Owner’s card in the first 150 days of opening your account.
  • 5% back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
  • 3% back on gas and EV charging stations, office supply stores, cell phone service providers, and restaurants
  • $100 annual credit for recurring software subscriptions
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable APR of 17.49% - 26.49%
  • $0 annual fee
Financial Snapshot
  • APR: 0% intro APR on purchases and balance transfers for 12 months, then a variable APR of 17.49% - 26.49%
  • Foreign Transaction Fees: 

The last card we’re going over is the U.S. Bank Business Triple Cash Visa card, which presents a great combination of cash-back rewards and 0% APR benefits.

Currently, there’s a welcome bonus, which includes cash-back, as well as 0% intro APR on purchases for 12 months, then a variable APR of 17.49% - 26.49%.

You’ll earn up to 5% cash-back:

  • 5% cash-back on prepaid hotels and car rentals booked through the U.S. Bank Travel Rewards Center
  • 3% cash-back at gas and EV charging stations, office supply stores, restaurants, and cell phone service providers
  • 1% cash-back on other purchases

There’s also a $100 annual statement credit for recurring software subscription expenses, contactless payments, U.S. Bank ExtendPay Plan, Visa Spend Clarity, zero fraud liability protection, and more.

» Related: The 6 Best Business Credit Cards With 0% APR in November 2025

Everything Else You Need To Know

Redeeming Rewards

U.S. Bank’s portfolio of credit cards is small — with the exception of the SKYPASS Business card, your rewards are denominated in cash-back.

You can use your rewards for cash-back, statement credits, U.S. Bank Travel Rewards Center bookings, and more.

Regardless of how you use your cash-back, your rewards are worth 1 cent per point.

On the flip-side, SKYPASS miles can be leveraged for luxury award travel, including Delta One Suites and Korean Air business class. In that sense, you can get some amazing redemption value with your SKYPASS miles.

U.S. Bank Shopping Benefits and Protections

In general, U.S. Bank uses the Visa payment network, and most of U.S. Bank’s credit cards fall under the Visa Signature umbrella.

Visa Signature benefits almost always include:

  • Zero liability protection
  • Contactless payments
  • Fraud monitoring/alerts

In some cases, certain Visa Signature cards enjoy additional benefits:

  • Purchase protection
  • Extended warranty

U.S. Bank Travel Benefits and Protections

With U.S. Bank credit cards, you’re usually entitled to these travel benefits:

  • Roadside dispatch
  • Travel and emergency assistance services
  • Rental car insurance (usually secondary coverage)

As you can tell, this list of travel benefits and protections is very sparse.

Final Thoughts

U.S. Bank offers a small collection of business credit cards. And although these are issued by U.S. Bank, you do not need to be an existing U.S. Bank customer to apply. In addition, this bank allows you to apply for these credit cards wherever you are in the U.S. due to its nature as a nationwide bank.

To get the most value as a frequent flyer, you might want to consider getting the SKYPASS Business card, which earns valuable Korean Air SKYPASS miles. If you’re focused on cash-back and have considerable monthly spending, you might want to pull the trigger for the U.S. Bank Business Leverage card. Another worthwhile credit card that offers both solid cash-back rewards and 0% APR is the U.S. Bank Business Triple Cash Visa card.

Lastly, if all you care about is 0% APR (perhaps because of any existing high-interest debt you have), the best option in the business is the U.S. Bank Business Platinum card. Just be mindful of the fact that this credit card doesn’t earn any rewards at all.

Now, you have all of the information you need to go for the U.S. Bank business credit card that fits your needs the best.

The information regarding the SKYPASS Visa® Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

Featured Image Credit: jcomp via Freepik

Frequently Asked Questions

What credit score do you need for a U.S. Bank business credit card?

In general, U.S. Bank requires excellent credit to get approved for its business credit cards. This usually translates to a credit score of at least 750 or higher.

Does U.S. Bank business card check personal credit?

Yes, U.S. Bank business credit card applications require a personal credit check. You’ll see a hard inquiry on your personal credit report.

Is it difficult to get U.S. Bank business credit card?

It’s generally not too difficult to get approved for business credit cards from U.S. Bank. Having excellent credit and a clean credit history is essential in this process, and you can tilt the odds in your favor by also having an existing business banking relationship with U.S. Bank.

Which credit bureau does U.S. Bank use for business credit cards?

It really depends. However, U.S. Bank generally pulls Experian or TransUnion. In rare cases, it may pull Equifax.

Does U.S. Bank business credit card report to Dun and Bradstreet?

U.S. Bank business credit cards report to Dun and Bradstreet (D&B), as well as the Small Business Financial Exchange (SBFE).

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About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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