Rated 4/5.0 stars by our editorial team
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CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.
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Those who always pay their balances in full and on time will usually come out ahead.
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In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.
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- Regular Purchase APR 16.49% - 25.49% Variable
- Intro Purchase APR 0% intro on purchases for 12 billing cycles
- Intro BT APR 0% intro on balance transfers for 12 billing cycles
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
- Regular Purchase APR 16.49% - 25.49% Variable
- Intro Purchase APR 0% intro on purchases for 12 billing cycles
- Intro BT APR 0% intro on balance transfers for 12 billing cycles
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- Click APPLY NOW to apply online.
- 0% Intro APR on purchase and balance transfers for 12 billing cycles. After that, a variable APR currently 16.49% - 25.49%.
- Save on interest when you transfer balances from higher rate credit cards.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses and employee spending.
- No annual fee.
- Terms and conditions apply.
- Rates & Fees
Card Fees
Foreign Transaction Fee
3% of each foreign transaction
Balance Transfer Fee
Either 5% of the amount of each transfer or $5 minimum, whichever is greater.
Penalty APR
29.99% Fixed
Ongoing Information
Rewards Rate
N/A
Annual Fee
$0
Expert Reviews
From the CompareCards.com Editorial Team, updated on Oct 31, 2025
The U.S. Bank Business Platinum Card card is designed to help business owners save money on interest. New cardholders get 0% intro on purchases for 12 billing cycles and then 16.49% - 25.49% Variable after the intro.
If you need time to pay off a large inventory or business equipment purchase, take advantage of intro APR 0% intro on purchases for 12 billing cycles then 16.49% - 25.49% Variable. That means no interest charges will pile up during that time.
If your business is carrying a high-interest balance, this card is worth a closer look. Transfer your balance to this card with intro APR 0% intro on balance transfers for 12 billing cycles then 16.49% - 25.49% Variable. You could save hundreds in interest payments and every penny of your payment will go toward paying down your principal during the promo period. Not all business credit cards offer a balance transfer feature.
And the best part? The annual fee is $0.
Expert Reviews of U.S. Bank Business Platinum Card
The Bottom Line
This is a solid 0% intro APR card and could save your business hundreds in interest payments. If you are looking for a basic, no-frills card for your business, this fits the bill. This card is only available in certain locations, so make sure your business is located in one of those states before you apply.
The Good
We love that this card offers an intro APR period, which can help give you a little breathing room on big purchases during the intro period.
The Not so Good
This card is aimed at business owners with credit, and there are no rewards or sign-up bonus offered on this card.
Editorial Note: This content is not provided by U.S. Bank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by U.S. Bank.
Consumer Reviews
OFFER RATING
/5.0
Related Card Offers
- Sign-Up Bonus Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- Rewards Rate Earn unlimited 1.5% cash back on every purchase made for your business
- Rates & Fees $0 annual fee and 0% Intro APR on Purchases for 12 months, then an APR of 17.24% - 23.24% Variable.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
- Sign-Up Bonus Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- Rewards Rate Earn unlimited 1.5% cash back on every purchase made for your business
- Rates & Fees $0 annual fee and 0% Intro APR on Purchases for 12 months, then an APR of 17.24% - 23.24% Variable.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- Click APPLY NOW to apply online.
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
- Rates & Fees
See additional details for Ink Business Unlimited® Credit Card
- Intro Purchase APR 0% Intro APR on Purchases for 12 months, then 17.24% - 25.24% Variable
- Sign-Up Bonus Earn $900 when you spend $6,000 on purchases in the first three months after account opening
- Cash Back Rewards Earn 5% cash back in select business categories
- Annual Fee $0
- Credit Needed Excellent
- Card Brand Visa®
- Intro Purchase APR 0% Intro APR on Purchases for 12 months, then 17.24% - 25.24% Variable
- Sign-Up Bonus Earn $900 when you spend $6,000 on purchases in the first three months after account opening
- Cash Back Rewards Earn 5% cash back in select business categories
- Annual Fee $0
- Credit Needed Excellent
- Card Brand Visa®
Highlights
- Click APPLY NOW to apply online.
- Earn $900 when you spend $6,000 on purchases in the first three months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
- Rates & Fees
See additional details for Ink Business Cash® Credit Card
- Flex Line Includes flex line, similar to a line of credit and only pay for what you use
- Spending Limit As your revenue increases, spending limits also increase
- No Fees No application, annual or draw fees
- Annual Fee $0
- Credit Needed Limited / Poor / Fair / Good
- Card Brand Visa®
- Flex Line Includes flex line, similar to a line of credit and only pay for what you use
- Spending Limit As your revenue increases, spending limits also increase
- No Fees No application, annual or draw fees
- Annual Fee $0
- Credit Needed Limited / Poor / Fair / Good
- Card Brand Visa®
Highlights
- Click APPLY NOW to apply online.
- No annual fee and no draw fee
- Includes flex line, similar to a line of credit and only pay for what you use
- Access cash on demand with funds deposited straight into your bank account
- Fast and easy application process - apply online and receive a funding decision in as little as an hour
- Approvals based on your business revenue and not personal credit
- As your revenue increases, spending limits also increase
- Access to business credit tools - Revenued reports to D&B to help build your business credit
- Rated Excellent on Trustpilot with 800+ reviews
- Business requirements: 1+ years in business, minimum of 20k/month deposits, and no Sole Proprietorships
See additional details for Revenued Business Card
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
