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OFFER STATUS
U.S. Bank Business Platinum Cardis unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
The U.S. Bank Business Platinum Card is built for paying off bills and refinancing existing credit card debt with its 0% intro APR offer. It offers a 0% intro APR on purchases and balance transfers for 18 billing cycles, one of the longest offers we've seen for business credit cards. That's the main benefit, though, as this card doesn't have any rewards or sign-up bonuses. Read our U.S. Bank Business Platinum Card review to see if it's a match for your business.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Credit Score:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
0% on purchases and balance transfers for the first 18 billing cycles on purchases billing cycles, and after that 17.49% - 26.49% (Variable).
Purchases: 0%, 18 billing cycles on purchases
Balance Transfers: 0%, 18 billing cycles
Regular APR
17.49% - 26.49% (Variable)
Rewards
N/A
Annual Fee
$0
Welcome Offer
N/A
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.
0% intro APR
No annual fee
Free employee cards
Expense management
No purchase rewards
No sign-up bonus
Foreign transaction fee
0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.49%-26.4%.
Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
Terms and conditions apply
U.S. Bank Business Platinum Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
Full U.S. Bank Business Platinum Card Review
This credit card is a good fit for: Business owners who have large expenses or credit card balances they need some time to repay.
Top perks
Here's a closer look at the standout features of the U.S. Bank Business Platinum Card.
0% intro APR for 18 billing cycles
The highlight of the U.S. Bank Business Platinum Card is definitely its 0% intro APR, which lasts for the first 18 billing cycles and applies to both purchases and balance transfers.
There aren't many other credit cards, including personal and business cards, that can match this offer. You'll have a year and a half to pay off any business purchases you make or get out of credit card debt you transfer over.
Free employee cards with customizable spending rules
This is a no annual fee credit card, and employee credit cards are also available free of charge. Another benefit is that you can set controls on those cards, including specifying times, places, and dollar amounts. So, you can give employees the ability to spend from your business account, but still set some rules for security purposes.
Expense management with Visa Spend Clarity
Visa Spend Clarity is a business management technology that can help you stay on top of expenses. It offers full control and categorization of transactions, streamlined reporting, mobile receipt uploading, and easy integration into existing accounting software.
Fixed payment plan option
U.S. Bank ExtendPay™️ is a payment option that allows you to divide eligible credit card purchases into monthly payments with a fixed monthly fee instead of interest charges. If your account is eligible, you'll receive a notification via email or see the option in your online account. It's another affordable way to finance business expenses after the 0% intro APR offer ends.
Alternatives to consider
If you want to earn rewards: The Ink Business Unlimited® Credit Card has a huge sign-up bonus and earns an unlimited 1.5% cash back on purchases. Those benefits make it a better choice for business owners who don't have any debt to pay off and have no need for a lengthy 0% intro APR.
If you travel outside the United States: The Ink Business Preferred® Credit Card doesn't charge a foreign transaction fee. That's a key advantage that will save you money every time you're traveling internationally. It's also a quality card with valuable travel rewards and plenty of bonus opportunities.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good/Excellent (670-850)
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good/Excellent (670-850)
Welcome Offer:
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Earn $750 bonus cash back
Welcome Offer:
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 90,000 bonus points
Rewards Program:
Earn unlimited 1.5% cash back on every purchase made for your business
Earn unlimited 1.5% cash back on every purchase
Rewards Program:
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.
Earn 3 points per $1 in select business categories
Intro APR:
0% Intro APR on Purchases
Purchases: 0% Intro APR on Purchases, 12 months
Balance Transfers: N/A
Intro APR:
N/A
Purchases: N/A
Balance Transfers: N/A
Regular APR:
17.74% - 23.74% Variable
Regular APR:
20.49% - 26.49% Variable
Annual Fee:
$0
Annual Fee:
N/A
$95
Highlights:
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC
Highlights:
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
We've gone over the benefits, and now we'll cover where this U.S. Bank business credit card could do better.
No purchase rewards
The biggest flaw of the U.S. Bank Business Platinum Card is that it doesn't earn any rewards on purchases you make, such as cash back or points. That limits its value after you've exhausted the 0% intro APR. Business credit cards that offer rewards, on the other hand, are great for long-term value, since you're getting something back on all your eligible purchases.
Sign-up bonuses are often some of the most valuable credit card features, but you won't get one with this credit card. While it has a great 0% intro APR, a bonus would give it even more upfront value.
Foreign transaction fee
The U.S. Bank Business Platinum Card charges a 3% foreign transaction fee. If you or your employees go on business trips outside the United States, it's worth browsing more credit card reviews and looking for one that doesn't charge this type of fee.
A FICO® Score of 670 or higher is suggested to apply for the U.S. Bank Business Platinum Card. Even though it's a business credit card, U.S. Bank will review your credit history. Most approved applicants have a score in the good credit or excellent credit range. Your credit score doesn't guarantee you'll be approved or denied, but it is an important factor.
The U.S. Bank Business Platinum Card is right for you if:
You have expensive business purchases coming up, or you're paying them off already, and you're looking for a lengthy 0% intro APR.
In either of those situations, the U.S. Bank Business Platinum Card is a big money saver. While rewards enthusiasts will need to look elsewhere, this is one of the best credit cards for business owners looking to avoid interest charges.
Our credit card methodology
At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.
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JPMorgan Chase is an advertising partner of Motley Fool Money. Lyle Daly has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends JPMorgan Chase, Target, U.S. Bancorp, and Visa. The Motley Fool has a disclosure policy.
The Motley Fool owns shares of and recommends Visa.
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