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U.S. Bank Business Platinum Card review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
13.49% ‐ 22.49% (Variable) (0% for the first 20 months)
Interest Rate: Purchases
13.49% ‐ 22.49% (Variable) (0% for the first 20 months)
Balance Transfer
13.49% ‐ 22.49% (Variable) (0% for the first 20 months)
Balance Transfer
13.49% ‐ 22.49% (Variable) (0% for the first 20 months)
Rewards
-
Rewards
-
Signup Bonus
-
Signup Bonus
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6.3/10
Informr score
The U.S. Bank Business Platinum Card currently has an Informr score of 6.3 out of 10. This score is based on our evaluation of 10 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...


Cnet
Cnet

The U.S. Bank Visa® Platinum Card is the best balance transfer credit card on the market. Though the 0% introductory APR offer may not be the longest out there, it has the best cost-to-length ratio available.

- Jaclyn DeJohn, Cnet
Fit Small Business
Fit Small Business

The U.S. Bank Business Platinum card is best for businesses that need to charge 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 also doesn’t offer rewards.

- Nancy Fernandez, Fit Small Business
The Balance
The Balance

Doesn’t offer a new cardholder bonus or rewards and very few perks. But if you’re a small business owner carrying a balance from month to month, it has one stand-out feature—an APR lower than most on the market.

- Dawn Papandrea, Matthew Klammer, The Balance
MyBankTracker
MyBankTracker

The U.S. Bank Business Platinum Card is an attractive option if you’re looking for a business credit card with low interest. Introductory balance transfer offers aren’t as common with business credit cards so this offer could be very tempting if you have a balance to pay off. The most obvious downsi...

- Rebecca Lake, MyBankTracker
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 13.49% ‐ 22.49% (Variable) (0% for the first 20 months)

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

Balance Transfer Interest Rate 13.49% ‐ 22.49% (Variable) (0% for the first 20 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 27.49% (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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