U.S. Bank Hikes a Business Card’s Bonus, Trims 0% APR on Another

The U.S. Bank Business Cash Rewards card has significantly boosted its welcome offer; the U.S. Bank Business Platinum has slashed its 0% intro APR offer.
Robin Saks Frankel
By Robin Saks Frankel 
Published
Edited by Kenley Young
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The terms of the U.S. Bank Business Cash Rewards World Elite™ MasterCard® have changed, and this article is out of date. See our details page on the U.S. Bank Business Cash Rewards World Elite™ MasterCard® for up-to-date details.

U.S. Bank has raised the stakes on one of its business credit cards.

The U.S. Bank Business Cash Rewards World Elite™ MasterCard® now offers the following sign-up bonus: Limited Time Offer: Earn $500 cash back after spending $3,000 in the first 90 days of opening your account. The previous offer was lower but easier to attain, allowing new cardholders to earn $200 in bonus cash after spending $1,000 in eligible purchases within the first 90 days.

Unfortunately, the issuer is also making a negative change to a different business card, slashing the 0% intro APR offer for the U.S. Bank Business Platinum Card. What was once an extra-lengthy introductory period of 20 billing cycles at 0% for purchases and balance transfers has been reduced to a run-of-the-mill offer: Get an intro 0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 17.24%-26.24% Variable APR.

All other details remain the same on both cards:

U.S. Bank Business Cash Rewards World Elite™ MasterCard®

Annual fee: $0*.

Rewards:

  • Earn 3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases.

  • Earn 1% cash back on other eligible net purchases.

APR: 0% intro APR on purchases and balance transfers for the first 12 billing cycles, and then the ongoing APR of 13.99% - 22.99% Variable APR.

Foreign transaction fee:

  • 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. dollars.

  • 3% of each foreign purchase transaction or foreign ATM advance transaction in a foreign currency.

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NerdWallet rating 

5.0

/5
NerdWallet rating 

5.0

/5
NerdWallet rating 

4.6

/5

Annual fee 

$0

Annual fee 

$150

Annual fee 

$0

Regular APR 

18.49%-24.49% Variable APR

Regular APR 

N/A

Rates & Fees

Regular APR 

18.49%-26.49% Variable APR

Rates & Fees

Intro APR 

0% intro APR on Purchases for 12 months

Intro APR 

N/A

Intro APR 

0% intro APR on purchases for 12 months from the date of account opening

Recommended credit score 

Recommended credit score 

Recommended credit score 

U.S. Bank Business Platinum Card

Annual fee: $0.

Rewards: None.

APR: 0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 17.24%-26.24% Variable APR.

Foreign transaction fee: 3%.

Also of note: The U.S. Bank Business Platinum Card is available only to applicants within 26 eligible states.

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