U.S. Bank’s business credit card lineup includes impressive options for cash back and travel rewards — several of which are among our picks for best business credit cards.
Multiple U.S. Bank business credit cards boast extra-long intro APR offers (on purchases only). And some include U.S. Bank's 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.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
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.
U.S. Bank’s business credit card lineup includes impressive options for cash back and travel rewards — several of which are among our picks for best business credit cards.
Multiple U.S. Bank business credit cards boast extra-long intro APR offers (on purchases only). And some include U.S. Bank's 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.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
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.
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Here are the best U.S. Bank business credit cards
Here are the best U.S. Bank business credit cards
Sort By
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$750
Apply now
on U.S. Bank's website
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
U.S. Bank Triple Cash Rewards Visa® Business Card
Best for Sign-up bonus
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$750
Apply now
on U.S. Bank's website
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x
Points
Intro offer
60,000
Points
Apply now
on U.S. Bank's website
Rates & Fees
Pros
- New cardholder bonus offer
- High bonus rewards rate
- Annual fee waived for the first year
- Reports to Dun & Bradstreet
Cons
- No intro APR offer
- Activity on employee cards does not count toward bonus spending requirement
U.S. Bank Business Altitude® Connect Visa Signature® Card
Best for Business travel rewards
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x
Points
Intro offer
60,000
Points
Apply now
on U.S. Bank's website
Rates & Fees
Pros
- New cardholder bonus offer
- High bonus rewards rate
- Annual fee waived for the first year
- Reports to Dun & Bradstreet
Cons
- No intro APR offer
- Activity on employee cards does not count toward bonus spending requirement
Annual fee
No annual fee for free plan. Paid plan available.
Rewards rate
1%
Cashback
Intro offer
N/A
Apply now
on U.S. Bank's website
Pros
- No annual fee
- Two-way integration with QuickBooks
- Can choose from cash back or travel rewards
- High rewards rates on travel spending through U.S. Bank's portal
Cons
- High annual revenue requirement ($10 to $150 million)
- Balance must be paid in full each month
- Not available to sole proprietors
- Quarterly spend requirement ($150,000) to earn cash back
U.S. Bank Commercial Rewards Card
Best for Corporate card
Annual fee
No annual fee for free plan. Paid plan available.
Rewards rate
1%
Cashback
Intro offer
N/A
Apply now
on U.S. Bank's website
Pros
- No annual fee
- Two-way integration with QuickBooks
- Can choose from cash back or travel rewards
- High rewards rates on travel spending through U.S. Bank's portal
Cons
- High annual revenue requirement ($10 to $150 million)
- Balance must be paid in full each month
- Not available to sole proprietors
- Quarterly spend requirement ($150,000) to earn cash back
Other business credit cards from U.S. Bank
- U.S. Bank Business Platinum Card. This card’s standout feature: It offers0% intro APR on Purchases for 18 billing cycles, and then the ongoing APR of 16.99%-25.99% Variable APR. There’s also no annual fee — but no sign-up bonus or ongoing rewards either. We’d generally opt for those over the extra months of interest-free financing this card offers compared to theU.S. Bank Triple Cash Rewards Visa® Business Card. But if you’re solely interested in the longest time possible to finance 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 UU.S. Bank Business Altitude® Power Visa Signature® Card. 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: For a limited time, earn up to 350,000 bonus miles: 150,000 miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months.
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 17.49%-23.49% Variable APR
. The Ink Business Unlimited® Credit Card
has no annual fee and a generous welcome offer that competes with the U.S. Bank Triple Cash Rewards Visa® Business Card
: 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. (But you'll need excellent credit to snag that low APR.) One important note: This card is not available to sole proprietors, which excludes most 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 February 18, 2025
Methodology
NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.
