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Best U.S. Bank Business Credit Cards of December 2024

By Kelsey Sheehy
Last updated on November 12, 2024
Edited by Ryan Lane
Fact checked and reviewed

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 — 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.
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.

Looking for a business credit card?

See our overall favorites, or choose a feature that will benefit your business spending the most.

Our top overall picks

on Nerdwallet's secure site

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 — 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.
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.

Looking for a business credit card?

See our overall favorites, or choose a feature that will benefit your business spending the most.

Our top overall picks

on Nerdwallet's secure site

Here are the best U.S. Bank business credit cards

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Sign-up bonus

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0

1%-3%

Cashback

$750

Apply now

on U.S. Bank's website

Rates & Fees

Business travel rewards

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0 intro for the first year, then $95

1x-5x

Points

60,000

Points

Apply now

on U.S. Bank's website

Rates & Fees

Flexible cash-back rewards

U.S. Bank Business Leverage® Visa Signature® Card

Apply now

on U.S. Bank's website

Rates & Fees

3.9/5
$0 intro for the first year, then $95

1x-5x

Points

75,000

Points

Apply now

on U.S. Bank's website

Rates & Fees

Corporate card

U.S. Bank Commercial Rewards Card

Apply now

on U.S. Bank's website

3.0/5
No annual fee for free plan. Paid plan available.

1%

Cashback

N/A

Apply now

on U.S. Bank's website

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Sign-up bonus

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0

1%-3%

Cashback

$750

Apply now

on U.S. Bank's website

Rates & Fees

Business travel rewards

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0 intro for the first year, then $95

1x-5x

Points

60,000

Points

Apply now

on U.S. Bank's website

Rates & Fees

Flexible cash-back rewards

U.S. Bank Business Leverage® Visa Signature® Card

Apply now

on U.S. Bank's website

Rates & Fees

3.9/5
$0 intro for the first year, then $95

1x-5x

Points

75,000

Points

Apply now

on U.S. Bank's website

Rates & Fees

Corporate card

U.S. Bank Commercial Rewards Card

Apply now

on U.S. Bank's website

3.0/5
No annual fee for free plan. Paid plan available.

1%

Cashback

N/A

Apply now

on U.S. Bank's website

I'M INTERESTED IN:

Our pick for

Sign-up bonus

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Read Review
Apply now

on U.S. Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750

Pros

  • Bonus cash back categories
  • No annual fee
  • Intro APR period on purchases

Cons

  • Requires good/excellent credit
  • Low rate outside bonus categories

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

NerdWallet rating 

5.0/5
Apply now

on U.S. Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750

Our pick for

Business travel rewards

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

Read Review
Apply now

on U.S. Bank's website

Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
60,000 Points

Pros

  • Bonus categories
  • Welcome offer
  • Annual fee waived for the first year

Cons

  • Requires good/excellent credit
  • No intro APR offer

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

NerdWallet rating 

5.0/5
Apply now

on U.S. Bank's website

Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
60,000 Points

Our pick for

Flexible cash-back rewards

U.S. Bank Business Leverage® Visa Signature® Card

Read Review
Apply now

on U.S. Bank's website

Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
75,000 Points

Pros

  • Personalized rewards

Cons

  • Has annual fee
  • Needs excellent credit

U.S. Bank Business Leverage® Visa Signature® Card

NerdWallet rating 

3.9/5
Apply now

on U.S. Bank's website

Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
75,000 Points

Our pick for

Corporate card

U.S. Bank Commercial Rewards Card

Read Review
Apply now

on U.S. Bank's website

Annual fee
No annual fee for free plan. Paid plan available.
Rewards rate
1% Cashback
Intro offer
N/A

Pros

  • No annual fee.
  • Two-way integration with QuickBooks.
  • Companies can earn high rewards rates on travel spending booked through U.S. Bank’s portal or a 1% rebate on all purchases (but not both).

Cons

  • Balance must be paid in full each month.
  • Not available to sole proprietors or unincorporated businesses.
  • Companies who choose the 1% rebate rewards option must spend at least $150,000 per quarter to earn it.

U.S. Bank Commercial Rewards Card

NerdWallet rating 

3.0/5
Apply now

on U.S. Bank's website

Annual fee
No annual fee for free plan. Paid plan available.
Rewards rate
1% Cashback
Intro offer
N/A

Other business credit cards from U.S. Bank

  • U.S. Bank Business Platinum Card
    . This card’s standout feature: It offers
    0% intro APR on Purchases for 18 billing cycles, 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 generally opt for those over the extra months of interest-free financing this card offers compared to the
    U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
    . 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 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 17.74%-23.74% Variable APR
. The
Ink Business Unlimited® Credit Card
has no annual fee and a generous welcome offer that competes with the
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
:
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 November 12, 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.
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Looking to earn rewards or build your credit? We’ll help match you to the perfect business credit card based on your qualifications.

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Find a business credit card that works as hard as you do

Looking to earn rewards or build your credit? We’ll help match you to the perfect business credit card based on your qualifications.