Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
U.S. Bank’s business credit card lineup includes impressive options for cash back and travel rewards. You’ll also find not one, but two business cards with balance transfer intro APR offers — a truly rare feature among even the best business credit cards.
Another unique feature of U.S. Bank business cards is the U.S. Bank ExtendPay® Plan, which lets you pay for certain purchases over time with a fixed monthly fee rather than interest (terms apply). Have a U.S. Bank personal credit card in your wallet? You also can transfer points between some business and personal Altitude cards.
Here are our choices for the top U.S. Bank business credit cards.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
U.S. Bank’s business credit card lineup includes impressive options for cash back and travel rewards. You’ll also find not one, but two business cards with balance transfer intro APR offers — a truly rare feature among even the best business credit cards.
Another unique feature of U.S. Bank business cards is the U.S. Bank ExtendPay® Plan, which lets you pay for certain purchases over time with a fixed monthly fee rather than interest (terms apply). Have a U.S. Bank personal credit card in your wallet? You also can transfer points between some business and personal Altitude cards.
Here are our choices for the top U.S. Bank business credit cards.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Here are the best U.S. Bank business credit cards from our partners
| Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on US Bank's website Rates & Fees | 5.0/5 Best for Long intro APR period | $0 | 1%-3% Cashback | $500 | Apply now on US Bank's website Rates & Fees |
U.S. Bank Business Altitude™ Connect World Elite Mastercard® Apply now on US Bank's website Rates & Fees | 5.0/5 Best for Business travel rewards | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | Apply now on US Bank's website Rates & Fees |
U.S. Bank Business Leverage® Visa Signature® Card Apply now on US Bank's website Rates & Fees | 4.2/5 Best for Flexible cash-back rewards | $0 intro for the first year, then $95 | 1%-5% Points | $750 | Apply now on US Bank's website Rates & Fees |
| Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on US Bank's website Rates & Fees | 5.0/5 Best for Long intro APR period | $0 | 1%-3% Cashback | $500 | Apply now on US Bank's website Rates & Fees |
U.S. Bank Business Altitude™ Connect World Elite Mastercard® Apply now on US Bank's website Rates & Fees | 5.0/5 Best for Business travel rewards | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | Apply now on US Bank's website Rates & Fees |
U.S. Bank Business Leverage® Visa Signature® Card Apply now on US Bank's website Rates & Fees | 4.2/5 Best for Flexible cash-back rewards | $0 intro for the first year, then $95 | 1%-5% Points | $750 | Apply now on US Bank's website Rates & Fees |
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I'M INTERESTED IN:
Our pick for
Long intro APR period
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Apply now
on US Bank's website
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
Few business credit cards offer an intro APR period as long as this one. Even fewer extend that interest-free period to balance transfers, as well as purchases. There’s also a nice welcome offer and 3% back in select business categories (including gas stations).
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
Few business credit cards offer an intro APR period as long as this one. Even fewer extend that interest-free period to balance transfers, as well as purchases. There’s also a nice welcome offer and 3% back in select business categories (including gas stations).
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases and balance transfers
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
View Rates & Fees
Our pick for
Business travel rewards
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Apply now
on US Bank's website
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
60,000 Points
This card delivers a top-notch rewards rate (4X) on all travel purchases — including gas and EV charging stations — on the first $150,000 in combined spending each year. Other travel-friendly perks include a monthly statement credit for taxi and rideshare trips and up to four free Priority Pass lounge visits each year.
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
60,000 Points
This card delivers a top-notch rewards rate (4X) on all travel purchases — including gas and EV charging stations — on the first $150,000 in combined spending each year. Other travel-friendly perks include a monthly statement credit for taxi and rideshare trips and up to four free Priority Pass lounge visits each year.
Pros
- Bonus categories
- Welcome offer
- Annual fee waived for the first year
Cons
- Requires good/excellent credit
- No intro APR offer
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
View Rates & Fees
Our pick for
Flexible cash-back rewards
U.S. Bank Business Leverage® Visa Signature® Card
Apply now
on US Bank's website
Annual fee
$0 intro for the first year, then $95
Rewards rate
1%-5% Points
Intro offer
$750
You’ll earn 2% back in the two categories you spend most in each month. That, coupled with a big welcome offer and no annual fee for the first year, makes this an easy business card to add to your wallet.
Annual fee
$0 intro for the first year, then $95
Rewards rate
1%-5% Points
Intro offer
$750
You’ll earn 2% back in the two categories you spend most in each month. That, coupled with a big welcome offer and no annual fee for the first year, makes this an easy business card to add to your wallet.
Pros
- Personalized rewards
Cons
- Has annual fee
- Needs excellent credit
- Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owner's card within the first 120 days of opening your account.
- Earn 2% back in the top two categories where you spend the most each month automatically.
- 1% cash per dollar spent on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No reward caps or limits on the total rewards your business can earn. Redeem for your choice of cash back, gift cards, merchandise and travel.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
View Rates & Fees
NerdWallet’s editorial picks: Best U.S. Bank business cards
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Best for: Up to 3% cash back + long intro APR period
NerdWallet rating:
5
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a solid cash-back card for business owners. Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases
. Plus, the card offers a competitive welcome bonus and 0% intro APR for 15 billing cycles on purchases and balance transfers, and then the ongoing APR of 19.24%-28.24% Variable APR
— all with a $0
annual fee. Learn more and apply.» MORE: Best business gas credit cards
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Best for: Business travel rewards
NerdWallet rating:
5
The
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
delivers impressive rewards on travel, no matter where you book it. You'll earn 4x points on your first $150,000 in combined annual travel spend each year — plus, 5x points on hotels and rental cars booked directly with U.S. Bank's Rewards Portal. There's also a solid welcome offer and no annual fee for the first year ($95
after that). Learn more and apply.U.S. Bank Business Altitude™ Power World Elite Mastercard®
Best for: Travel rewards + mobile wallet spending
NerdWallet rating: 5
U.S. Bank’s premium business travel card has a $195 annual fee. And while it doesn’t deliver the type of premium rewards you see with similar (albeit much more expensive) options, like the
Capital One Venture X Business
card, you do earn 2 points per $1 spent, with no caps or categories. Plus, you’ll get 2.5 points per $1 spent on up to $5,000 in mobile wallet spending each quarter. There’s a generous welcome offer, too, if you can hit the spending requirements.U.S. Bank Business Leverage® Visa Signature® Card
Best for: Flexible cash-back rewards
NerdWallet rating:
4.2
If your business expenses are all over the place, the
U.S. Bank Business Leverage® Visa Signature® Card
might be just what you're looking for. This card earns double points in the two categories (from a list of 48) where you spend the most each month. There's a fantastic bonus offer for new cardholders, too, but also an annual fee. Learn more and apply.Other business credit cards from U.S. Bank
- U.S. Bank Business Platinum Card. This card’s standout feature: It offers0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 17.24%-26.24% Variable APR. There’s also no annual fee — but no sign-up bonus or ongoing rewards either. We’d opt for those over the extra three months of interest-free financing this card offers compared to theU.S. Bank Business Triple Cash Rewards World Elite Mastercard®. But if you’re solely interested in the longest time possible to pay off a balance transfer or in financing big purchases or startup costs, this card is a fit.
Alternatives to U.S. Bank business credit cards
U.S. Bank has a strong set of business credit cards. But it doesn’t quite offer something for everyone. Consider these cards if U.S. Bank’s options aren’t a fit for you.
For premium travel rewards
The
Capital One Venture X Business
card delivers travel perks in spades, making it a top-notch alternative to the U.S. Bank Business Altitude™ Power World Elite Mastercard®. Yes, the annual fee is steeper — $395
vs $195 — but the card’s massive welcome offer more than makes up for it if you're a big spender: Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.
Even without that bonus, you’ll still get annual travel credits and bonus mile awards, plus unlimited complimentary airport lounge access at Capital One, Priority Pass and Plaza Premium Group lounges. (See rates and fees.) Learn more and apply.🤓 Nerdy Tip
The annual fee on your business credit card can be tax deductible if you use the card exclusively for business expenses.For simple cash back
U.S. Bank’s business credit card lineup lacks a straightforward flat-rate cash-back card. If you don’t want to juggle bonus categories or you spend big across more than two areas, the
Ink Business Unlimited® Credit Card
is your answer. This card earns an unlimited 1.5
% cash back on all purchases and offers a long intro APR period: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-24.49% Variable APR
. The Ink Business Unlimited® Credit Card
has no annual fee and a generous welcome offer: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Learn more and apply.For business owners without excellent credit
Capital on Tap says applicants with a FICO score of 670 or higher have the best chance of approval, but the card is available to business owners with fair credit (typically considered a score from 630 to 689). The
Capital on Tap Business Credit Card
issued by WebBank offers 1.5%
cash back on all purchases, no annual fee and the potential for a low APR. One important note: This card is not available to sole proprietors, which excludes the majority of businesses. Learn more and apply.Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card
The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card earns 1.5% cash back on all purchases, with no cap or expiration date on the rewards you earn. The card has a minimum security deposit of $1,000, which is equal to your credit limit and subject to credit approval. Bank of America® will periodically review your secured card and may upgrade you to an unsecured card if and when you qualify. This card has no annual fee.
Last updated on May 1, 2024
Methodology
NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn more about how we rate business credit cards.
