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U.S. Bank Business Platinum Card review

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Advertiser Disclosure

Interest Rate: Purchases
11.99% ‐ 20.99% (Variable) (0% for the first 15 months)
Balance Transfer
11.99% ‐ 20.99% (Variable) (0% for the first 15 months)
Signup Bonus

Informr score
The U.S. Bank Business Platinum Card currently has an Informr score of 6.2 out of 10. This score is based on our evaluation of 7 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 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

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
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

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

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


Interest Rates
Regular APR Interest Rate 11.99% ‐ 20.99% (Variable) (0% for the first 15 months)

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

Balance Transfer Interest Rate 11.99% ‐ 20.99% (Variable) (0% for the first 15 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 25.99% (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 $40.00


Late Payment Fee $40.00


Sign up bonus No
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.

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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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