Low annual fee

Enjoy a $0 annual fee card for you and your employees.

Dedicated service

Our 100% domestic servicing center provides 24/7 dedicated service. We are here when you need us most.

Visa Spend Clarity

Track spending and manage your expenses more efficiently with this powerful tool.

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Awards and Accolades for Platinum

WalletHub 2023

Best-Of Awards winner for Best 0% APR Credit Cards

Client testimonials

What our customers are saying

“Excellent card of business. I’ve used this card for quite awhile and I’ve never had a problem with it. As a business card it is my favorite. Keep up the great work U.S. Bank!”

- Number 1, New Mexico

“Love my U.S. Bank business card. I have had my U.S. Bank business card for more years than I can remember. It has good interest rates compared to other commercial cards. It is the best commercial credit card I own.”

- Terrie, Placerville, CA

“Easy to use.
My credit card is very rewarding and very easy to use.”

- Akku, Saint Louis, MO

Benefits

Mobile payments

You can add your business card onto your phone and make secure, quick and convenient purchases with Apple Pay, Google Pay or Samsung Pay.

Card controls

You can control where, when and how your employees use their credit card by setting card controls by time, place and/or dollar amount.

Security

Help protect your business from unauthorized purchases with zero fraud liability2, chip technology and 24/7 fraud monitoring.

Pay over time with a U.S. Bank ExtendPay® Plan.3

Receive a new cardmember $0 fee offer1 on ExtendPay Plans opened in the first 60 days after account opening.

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Interested in other options?

We offer a wide range of products to suit your business needs. Whatever your business goals, we can help you achieve them.

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Frequently asked questions

Applying for a U.S. bank business credit card is quick and easy.  In addition to questions about yourself such as your name, address, date of birth, Social Security number/ITIN and personal income, you’ll be asked questions about your business. It should only take a few minutes to complete your application, but please make sure you have the following business information available before you start.

Business structure (examples; Sole-Proprietorship, Corporation, Partnership, etc.)

  • Employer Identification Number (EIN)
  • Legal business name
  • Country business was formed in
  • Year business started
  • Business physical mailing address
  • Business gross annual revenue
  • Industry type (you’ll select from a key-word search list)

Co-owners – Also known as beneficial owners, these are individuals other than potentially yourself who have at least 25% controlling and/or financial interest in the business.  We use this information to verify their identity, but it will not affect their credit.

  • Name
  • Address
  • Date of Birth
  • Social Security Number/ITIN

Employee cards – You may be given the option on your application to request cards for additional employees by providing the following information for each.   We use this information to verify their identity, but it will not affect their credit.  You can also easily add or remove employee cards later if you are approved for a business card.

  • Name
  • Date of birth
  • Social Security Number/ITIN
  • Anticipated monthly spend on the card

The U.S. Bank Business Platinum card typically offers our best and longest introductory APR offer on purchases.

There is no annual fee on the U.S. Bank Business Platinum card, and no fee for additional employee credit cards.

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Disclosures

U.S. Bank offers businesses a comprehensive line of products and services, such as cash flow management, payment processing, remote deposit and much more. To learn more, visit your local U.S. Bank branch to talk with a business banker.

U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

The rate will end early and increase to the APR for purchases and balance transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit.

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated, and the cards are available to United States residents only. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Cardmember Agreement for additional information.

This page may contain links to third-party websites not controlled by U.S. Bank. U.S. Bank is not responsible for the content or any products and services offered, nor does it guarantee the system availability or accuracy of information contained in the site. Please note that the third party site may have terms of use, privacy, and information security policies that differ from those of U.S. Bank.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google, Google Pay and the Google Pay logo are trademarks of Google LLC. © 2019 Samsung Pay is a trademark or registered trademarks of Samsung Electronics Co., Ltd.

Offer only available online.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

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  1. The 0% introductory APR applies to purchases and is valid for the first 18 billing cycles. The introductory rate does not apply to balance transfers or cash advances. Thereafter, the APR may vary. The current undiscounted variable APR for Purchases is $ (based on your creditworthiness) and the current variable APR for Balance Transfers is $ (based on your creditworthiness). The undiscounted variable APR for Cash Advances is 32.24%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay Fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay Plans and ExtendPay Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to non-Fixed Payment Program balances in the order of lowest to highest APR before applying to Fixed Payment Program balances.

  2. U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

  3. From time to time we may offer you the benefit of our U.S. Bank ExtendPay® Plans, which allow you to pay off balances in fixed monthly payments over time and still avoid paying interest charges on new Purchases. Only your company’s Authorized Officer (AO) may enroll in an ExtendPay Plan. All references to "you" and "your" apply to the AO. If your company’s card program is set up with central billing, the AO may select ExtendPay eligible Purchases when viewing the central billing account (which includes Purchases made on employee cards). If your company is set up with individual billing, the AO may only select Purchases made on their own card account. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases and pay in monthly installments with just a small fixed monthly fee. Only Purchase balances are eligible for ExtendPay Plans. Transactions identified as Advances or Balance Transfers (as defined in your Cardmember Agreement), and any interest or fees, including Annual Fee, do not apply. The only Purchases that will appear as "Eligible Purchases" in the enrollment process are Purchases that were made within 60 days prior to signing up for an ExtendPay Plan, are over $100, and are less than your Purchase balance when you sign up for an ExtendPay Plan. Any unpaid balance remaining on an ExtendPay Plan after the chosen pay-back period will be subject to the APR and minimum payment calculation for purchases outlined in the Cardmember Agreement. The monthly fixed fee will be determined when your ExtendPay Plan is created and is provided to you before you complete setting up an ExtendPay Plan. This fee will remain the same until the ExtendPay Plan is paid in full. The monthly fixed fee of the ExtendPay Plan is based upon the original principal amount, Purchase APR, and other factors.