U.S. Bank Launches New Business Card With 0% APR for 18 Months

Updated: February 3, 2026, 8:07am CST

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U.S. Bank Business Shield Card Details and Benefits
Final Thoughts

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U.S. Bank has introduced a new small-business credit card, the U.S. Bank Business Shield™ Visa^® Card. The no-annual-fee card features an introductory 0% APR on purchases and balance transfers for up to 18 billing cycles, along with access to built-in expense management tools.

This new card product by U.S. Bank is aimed at business owners who may need time to pay down larger purchases or move existing balances while keeping closer tabs on company spending.

Let’s take a look at the details of the U.S. Bank Business Shield card.

U.S. Bank Business Shield Card Details and Benefits

The standout feature here is the 0% introductory APR on purchases and balance transfers for up to 18 billing cycles when applying in-branch (or 12 billing cycles through digital channels).

That’s a generous window for business owners to pay back large business expenses, such as equipment and startup costs, or to consolidate higher-interest balances.

Primeclass Lounge Riga RIX seating over concourse — The U.S. Bank Business Shield card is geared toward business owners who want breathing room to pay off everyday expenses like office supplies without immediate interest pressure. Image Credit: Ryan Smith

Additionally, the card comes with no annual fee, keeping overhead low.

Cardholders also gain access to U.S. Bank’s Spend Management platform, an integrated expense management system designed to help businesses monitor, track, and control spending. Features include card controls, receipt capture, and accounting integrations — all aimed at reducing manual work and improving visibility into company expenses.

On the perks side, the U.S. Bank Business Shield card includes:

5% cash-back on prepaid air, hotel, and car rentals booked through the Travel Center
$50 annual statement credit after $5,000 in Travel Center bookings
Purchase Security and Extended Protection on eligible items
Cell phone protection and auto rental collision insurance
Zero fraud liability
A $0-fee ExtendPay^® Plan option each year after the intro APR period

To be clear, this isn’t the card you get for big-time rewards earning — and it doesn’t come with a welcome bonus either. The primary attractive perk is the long intro 0% APR window, which can matter a lot more than extra points if you’re covering a large business expense or paying down a balance.

Hot Tip:

If you’re mainly after a 0% intro APR but still want stronger rewards or even a welcome bonus offer, you may have better options — check out our Best 0% APR and Low-Interest Credit Cards guide to compare cards that balance financing perks with more compelling long-term value.

Final Thoughts

The U.S. Bank Business Shield card is mainly about the long 0% intro APR (up to 18 billing cycles when applying in-branch, versus 12 when applying online) and its built-in expense-tracking tools. That can be helpful for business owners who need time to pay off purchases or manage cash flow. Still, if your main goal is a strong 0% APR offer with better rewards or added value, there are other cards that may be a better fit for carrying a balance or financing large expenses over time.