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!
Best U.S. Bank Business Credit 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
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 cash-back welcome bonus on the card. Also, you’ll earn 2% cash-back 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 5% cash-back on prepaid hotels and car rentals booked directly through the U.S. Bank Travel Rewards 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 VISA Spend Clarity 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 U.S. Bank Airline Business Credit 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 U.S. Bank 0% Introductory APR Business Credit 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 an industry-leading 0% introductory APR on purchases and balance transfers for 20 billing cycles, which is a highly impressive promotional period.
Other competitors usually only offer 8 to 12 billing cycles as the promotional period. 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 tough to beat.
U.S. Bank Triple Cash Rewards Visa® Business Card
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% introductory APR on purchases and balance transfers for 15 billing cycles. Just remember that balance transfers must be done within 30 days after new account opening to be eligible for 0% APR.
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.
Everything Else You Need To Know
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.
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 U.S. Bank Business Leverage® Visa Signature® Card, SKYPASS Visa® Business Card, and U.S. Bank Business Platinum Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.