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U.S. Bank Business Platinum Card review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
15.74% ‐ 24.74% (Variable) (0% for the first 18 months)
Interest Rate: Purchases
15.74% ‐ 24.74% (Variable) (0% for the first 18 months)
Balance Transfer
15.74% ‐ 24.74% (Variable) (0% for the first 18 months)
Balance Transfer
15.74% ‐ 24.74% (Variable) (0% for the first 18 months)
Rewards
-
Rewards
-
Signup Bonus
-
Signup Bonus
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6.5/10
Informr score
The U.S. Bank Business Platinum Card currently has an Informr score of 6.5 out of 10. This score is based on our evaluation of 12 sources including reviews from users and the web's most trusted critics.

Am I eligible?


U.S. Bank Business 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...


The Ascent
The Ascent

The 0% intro APR is one of the best in the business category and can save cardholders quite a bit of money while paying down purchases or balance transfers.

- Lyle Daly, The Ascent
Fit Small Business
Fit Small Business

The U.S. Bank Business Platinum Card is best for businesses needing to make a large purchase or transfer a balance since it offers a 0% introductory APR for 20 billing cycles. While this low-interest credit card doesn’t charge an annual fee, it doesn’t offer rewards.

- Tricia Tetreault, Fit Small Business
Bankrate
Bankrate

Someone who spends a lot at one of the discounted merchant categories and would like a long break on interest charges for purchases and balance transfers may benefit from this card.

- Bankrate
Forbes
Forbes

The U.S. Bank Business Platinum Card is a decidedly vanilla balance transfer card that is built for a single purpose. The card is not for small business owners seeking rewards, travel perks, lounge access or even a general spending card. But if you are looking to take advantage of a 0% introductory...

- Aaron Hurd, Robin Saks Frankel, Forbes
Investopedia
Investopedia

The U.S. Bank Business Platinum card offers no rewards or one-time offers, other than an introductory 0% APR on purchases and balance transfers for the first 20 billing cycles. This card could be a good choice for business owners who want to pay off large purchases or balance transfers over time wit...

- Rebecca Lake, Investopedia

Details


Interest Rates
Regular APR Interest Rate 15.74% ‐ 24.74% (Variable) (0% for the first 18 months)

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

Balance Transfer Interest Rate 15.74% ‐ 24.74% (Variable) (0% for the first 18 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 29.74% (Variable)

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 5%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

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 Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Additional Benefits

Save up to 15% on business purchases.

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments -
Terms & Conditions Official Terms & Conditions
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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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