U.S. Bank Business Edge Platinum Card review

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Advertiser Disclosure

Interest Rate: Purchases
12.24% ‐ 20.24% (0% for the first 12 months)
Balance Transfer
12.24% ‐ 20.24% (0% for the first 12 months)
Rewards
-
Signup Bonus
-


5.9/10
Informr score
The U.S. Bank Business Edge Platinum Card currently has an Informr score of 5.9 out of 10. This score is based on our evaluation of 5 sources including reviews from users and the web's most trusted critics.

Am I eligible?


U.S. Bank Business Edge Platinum Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Finder

The U.S. Bank Business Edge Platinum Card could be a decent addition to any small business that’s looking to use an intro APR period on balance transfers and purchases without paying an annual fee.

- Finder
Money Crashers

Isn’t flashy or complicated. It’s designed for new cardholders who need to finance large purchases without paying sky-high interest rates or transfer existing credit card balances (probably with sky-high interest rates) from other accounts.

- Brian Martucci, Money Crashers
Bankrate

The plain-vanilla card Business Edge Platinum Card offered by U.S. Bank is about as stripped down as it gets. There’s no annual fee and also no rewards. What is does offer is the Visa Savings Edge program, which gives discounts ranging typically from 1% to 5% at select merchants.

- Robin Saks Frankel, Bankrate
Credit Cards Explained

The U.S. Bank Business Edge Platinum is a basic, no-frills business card. What it lacks in cash back perks, it makes up for with its 0% intro APR. Business owners who are still starting out and putting many of their upfront costs on credit cards could benefit from this card.

- Zina Kumok, Credit Cards Explained
Get.com

This card is quite simple in that it doesn't have any rewards program, although it does let you enroll in Visa SavingsEdge which gives you discounts when you purchase from participating retailers.

- Katrina Gutierrez, Get.com

Details


Interest Rates
Regular APR Interest Rate 12.24% ‐ 20.24% (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 12.24% ‐ 20.24% (0% for the first 12 months)
  • Intro rate applies on balances transferred within the first 30 days of account opening.
  • This APR will vary with the market based on the Prime Rate.
Cash Advance Interest Rate 26.24%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 4%

Minimum of $10

Foreign Transaction Fee 2%

Of each transaction in U.S. dollars.


3%

Of each transaction in foreign currencies.

Over Limit Fee $39.00

Maximum

Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Additional Benefits

Save up to 15% on business purchases.

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


Finder

For business payment flexibility

The U.S. Bank Business Edge Platinum Card could be a decent addition to any small business that’s looking to use an intro APR period on balance transfers and purchases without paying an annual fee.

Read full review

The U.S. Bank Business Edge Platinum Card could be a decent addition to any small business that’s looking to use an intro APR period on balance transfers and purchases without paying an annual fee.

Read full review

Less

Money Crashers

Built for cost-conscious business owners

from Money Crashers

Isn’t flashy or complicated. It’s designed for new cardholders who need to finance large purchases without paying sky-high interest rates or transfer existing credit card balances (probably with sky-high interest rates) from other accounts.

Read full review

Isn’t flashy or complicated. It’s designed for new cardholders who need to finance large purchases without paying sky-high interest rates or transfer existing credit card balances (probably with sky-high interest rates) from other accounts.

Read full review

Less

Bankrate

No sign-up bonus and no rewards sinks this card

from Bankrate

The plain-vanilla card Business Edge Platinum Card offered by U.S. Bank is about as stripped down as it gets. There’s no annual fee and also no rewards. What is does offer is the Visa Savings Edge program, which gives discounts ranging typically from 1% to 5% at select merchants.

Read full review

The plain-vanilla card Business Edge Platinum Card offered by U.S. Bank is about as stripped down as it gets. There’s no annual fee and also no rewards. What is does offer is the Visa Savings Edge program, which gives discounts ranging typically from 1% to 5% at select merchants.

Read full review

Less

Credit Cards Explained

A straight-laced business-focused credit card

from Credit Cards Explained

The U.S. Bank Business Edge Platinum is a basic, no-frills business card. What it lacks in cash back perks, it makes up for with its 0% intro APR. Business owners who are still starting out and putting many of their upfront costs on credit cards could benefit from this card.

Read full review

The U.S. Bank Business Edge Platinum is a basic, no-frills business card. What it lacks in cash back perks, it makes up for with its 0% intro APR. Business owners who are still starting out and putting many of their upfront costs on credit cards could benefit from this card.

Read full review

Less

Get.com

Great card for low intro APR and no annual fee

from Get.com

This card is quite simple in that it doesn't have any rewards program, although it does let you enroll in Visa SavingsEdge which gives you discounts when you purchase from participating retailers.

Read full review

This card is quite simple in that it doesn't have any rewards program, although it does let you enroll in Visa SavingsEdge which gives you discounts when you purchase from participating retailers.

Read full review

Less

User Reviews


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