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U.S. Bank Business Platinum

U.S. Bank Business Platinum


Rated 4/5 stars by our editorial team

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  • Regular Purchase APR 9.99%-17.99%* (Variable)
  • Intro Purchase APR 0% for 20 billing cycles
  • Intro BT APR 0% for 20 billing cycles
  • Annual Fee $0*
  • Credit Needed


  • Card Brand Visa®

Card Details


  • Click "APPLY NOW" to apply online
  • 0% Intro APR* on purchases and balance transfers for the first 20 billing cycles. After that variable APR currently 9.99% - 17.99%*
  • No annual fee*

Card Fees

Foreign Transaction Fee 3% on each foreign transaction

Balance Transfer Fee 3%

Cash Advance Fee N/A

Ongoing Information

Annual Fee $0*

Additional Card Details

$0 Fraud Liability No

Auto Rental Insurance No

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the Editorial Team

The U.S. Bank Business Platinum card is designed to help business owners save money on interest. Business cards with 0% intro APR are a great way to gain access to capital you need to help your business grow and avoid paying interest during the promo period. 

If you need time to pay off a large inventory or business equipment purchase, take advantage of intro APR 0% for 20 billing cycles then 9.99%-17.99%* (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% for 20 billing cycles then 9.99%-17.99%* (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. 

Enjoy free employee cards, with specialized controls by time, place and dollar amount to control when and how your employees use them. Like many other business cards, U.S. Bank Business Platinum offers online tools that can track your spending and expenses, which can be especially helpful at tax time. 

There is $0* annual fee. 

Expert Reviews of the U.S. Bank Business Platinum

  • 4.0

    Regular APR

  • 4.5

    Intro APR

  • 4.0


  • 3.0


  • star rating 4.0/5

    Overall Rating

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

This card is designed to save you money on interest. If your business runs with tight cash flow, get breathing room with the 0% intro APR offered here. This is a Visa® branded card, which offers money-saving benefits like auto rental collision damage waiver, purchase security and extended warranty protection.

The Not so Good

This card is aimed at business owners with excellent credit. If you have missed a payment or two recently you may not qualify. There are no rewards or sign-up bonus offered on this card. There is a 3% on each foreign transaction foreign exchange fee, so you may want to use another card when you are outside of the U.S.

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

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