Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.

The 4 Best U.S Bank Business Credit Cards for Cash-back & Rewards [2024]

Stephen Au's image
Stephen Au
Stephen Au's image

Stephen Au

Former Senior Content Contributor

485 Published Articles

Countries Visited: 24U.S. States Visited: 22

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...
Edited by: Juan Ruiz
Juan Ruiz's image

Juan Ruiz

Senior Editor & Content Contributor

113 Published Articles 716 Edited Articles

Countries Visited: 41U.S. States Visited: 28

Juan has extensive experience in writing and editing content related to credit cards, loyalty programs, and travel. He has been honing his expertise in this field for over a decade. His work has been ...
& Keri Stooksbury
Keri Stooksbury's image

Keri Stooksbury

Editor-in-Chief

36 Published Articles 3273 Edited Articles

Countries Visited: 47U.S. States Visited: 28

With years of experience in corporate marketing and as the executive director of the American Chamber of Commerce in Qatar, Keri is now editor-in-chief at UP, overseeing daily content operations and r...

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Upgraded Points: Expertise You Can Trust

Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.

  • Content by Leading Industry Experts
  • Routine Updates and Fact-Checks
  • First-Hand Credit Card Experience
  • Shared Across 200+ Top Outlets
  • Methodical “U.P. Rating” System
  • 1042+ Expert Credit Card Guides

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

SCROLL FOR MORE

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 18 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

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 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. 

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).

Stephen Au's image

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.

INSIDERS ONLY: UP PULSE

Deluxe Travel Provided by UP Pulse

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy. This site is protected by reCAPTCHA. Google's privacy policy  and terms of service  apply.

Deluxe Travel Provided by UP Pulse
DMCA.com Protection Status