Great Card If
- You want a business credit card with a 0% intro APR offer and no annual fee
Don’t Get If
- You want a card that earns rewards on all business expenses
U.S. Bank Business Shield Card — Is It Worth It?
Depending on what you’re looking for out of a business credit card, the U.S. Bank Business Shield card could be worth it for you. The card is the best fit for business owners looking for a 0% intro APR on new purchases and balance transfers, with no annual fee. This can be ideal for new business owners seeking help financing startup costs, as well as for experienced business owners looking to finance a large purchase or pay down existing debt.
However, since the card doesn’t earn rewards on any purchases except travel made through the U.S. Bank portal, you’ll want to keep that in mind when deciding whether the card is the right fit for you.
U.S. Bank Business Shield Card Top Benefits and Perks
Here are the benefits you’ll receive from the U.S. Bank Business Shield card:
- Intro APR offer: Receive a 0% intro APR on purchases and balance transfers for 12 billing cycles.
- No annual fee: You won’t pay an annual fee for this card.
- Purchase protection: Items purchased with your card are covered for the first 90 days against accidental damage or theft.
- $50 annual statement credit: Earn a $50 annual statement credit after $5,000 in purchases made through the Travel Center.
- Access to U.S. Bank ExtendPay: You can use ExtendPay to divide eligible credit card purchases into monthly payments with no interest.
Best Ways To Earn and Redeem Your Rewards
With your U.S. Bank Business Shield card, the only purchases you will earn rewards on are prepaid air, hotel, and car rentals booked directly in the Travel Center, where you’ll earn 5% cash-back. On all other purchases, you will not earn any rewards. If earning rewards on all of your business expenses is important to you, you’ll want to select a different business credit card.
As for the limited rewards that you do earn, you’ll have the option to redeem for a statement credit to your credit card account, a deposit made to an eligible U.S. Bank account, charitable contributions, or Real-Time Rewards.
Alternative Cards to the U.S. Bank Business Shield Card
The Ink Business Cash card is a better fit if you want access to a 0% intro APR offer and want to earn rewards on your business expenses.
It is great at earning rewards on key business expenses, like 5% cash-back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year. The card also earns 2% cash-back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% cash-back on all other purchases.
Cardholders can access perks such as purchase protection, extended warranty coverage, and rental car insurance with a $0 annual fee.
Another great option for a simple cash-back rewards business credit card with a 0% intro APR offer is the Amex Blue Business Cash card.
With it, you’ll earn 2% cash-back on the first $50,000 of purchases each calendar year, then 1% cash-back thereafter. The card has a $0 annual fee (rates & fees) and offers perks such as car rental loss and damage insurance, purchase protection, extended warranty coverage, and access to Amex Offers upon enrollment.
