U.S. Bank Business Platinum Card

Get a low intro APR for 12 billing cycles.

U.S. Bank Business Platinum Card

Get a low intro APR for 12 billing cycles.

Low annual fee 0% intro APR1 on purchases and balance transfers2 for 12 billing cycles. After that, a variable APR, currently $.

$0 annual fee Enjoy a no annual fee card for you and your employees.

Introducing U.S. Bank Spend Management Take control of your card spend with U.S. Bank Spend Management - a game-changing platform for monitoring and managing business expenses.

Dedicated service With our 100% domestic servicing centers providing 24/7 help and assistance. We are here when needed most.

Talk to a Business Card consultant

Our Business Card consultants will explore ways to improve your purchasing power, cash flow, data security and expense management and help you choose the right card for you.

Schedule a consultation

Awards and Accolades for Platinum

WalletHub 2025

Best-Of Awards winner for Best 0% APR Credit Cards

Client testimonials

What our customers are saying

“Excellent card of business. I’ve used this card for quite awhile and I’ve never had a problem with it. As a business card it is my favorite. Keep up the great work U.S. Bank!”

- Number 1, New Mexico

“Love my U.S. Bank business card. I have had my U.S. Bank business card for more years than I can remember. It has good interest rates compared to other commercial cards. It is the best commercial credit card I own.”

- Terrie, Placerville, CA

“Easy to use.
My credit card is very rewarding and very easy to use.”

- Akku, Saint Louis, MO

Balance Transfer Calculator

See how much you could save with a 0% introductory APR for 12 billing cycles.*

*The calculator assumes the greater of 1% or $10 minimum for the monthly payment amount and is for illustrative purposes only as actual card usage may produce different results.

Benefits

Mobile payments

You can add your business card onto your phone and make secure, quick and convenient purchases with Apple Pay, Google Pay or Samsung Pay.

Card controls

You can control where, when and how your employees use their credit card by setting card controls by time, place and/or dollar amount.

Security

Help protect your business from unauthorized purchases with zero fraud liability3, chip technology and 24/7 fraud monitoring.

Pay over time with a U.S. Bank ExtendPay® Plan.4

Receive a new cardmember $0 fee offer on ExtendPay Plans opened in the first 60 days after account opening. Not all accounts are eligible for ExtendPay Plans.

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Need more information?

Connect with a banker to better analyze how the Platinum card or other business cards can improve your cash flow.

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Frequently asked questions

Applying for a U.S. bank business credit card is quick and easy.  In addition to questions about yourself such as your name, address, date of birth, Social Security number and personal income, you’ll be asked questions about your business. It should only take a few minutes to complete your application, but please make sure you have the following business information available before you start.

Business structure (examples; Sole-Proprietorship, Corporation, Partnership, etc.)

  • Employer Identification Number (EIN)
  • Legal business name
  • Country business was formed in
  • Year business started
  • Business physical mailing address
  • Business gross annual revenue
  • Industry type (you’ll select from a key-word search list)

Co-owners – Also known as beneficial owners, these are individuals other than potentially yourself who have at least 25% controlling and/or financial interest in the business.  We use this information to verify their identity, but it will not affect their credit.

  • Name
  • Address
  • Date of Birth
  • Social Security Number

Employee cards – You may be given the option on your application to request cards for additional employees by providing the following information for each.   We use this information to verify their identity, but it will not affect their credit.  You can also easily add or remove employee cards later if you are approved for a business card.

  • Name
  • Date of birth
  • Social Security Number/ITIN
  • Anticipated monthly spend on the card

The U.S. Bank Business Platinum card typically offers our best and longest introductory APR offer on purchases and balance transfers.

There is no annual fee on the U.S. Bank Business Platinum card, and no fee for additional employee credit cards.

Interested in other options?

We offer a wide range of products to suit your business needs. Whatever your business goals, we can help you achieve them.

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Disclosures

U.S. Bank offers businesses a comprehensive line of products and services, such as cash flow management, payment processing, remote deposit and much more. To learn more, visit your local U.S. Bank branch to talk with a business banker.

U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

The rate will end early and increase to the APR for purchases and balance transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit.

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated, and the cards are available to United States residents only. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Account must be open and in good standing (not past due or overlimit) to earn and redeem rewards and benefits. Upon approval, refer to your Cardmember Agreement for additional information.

This page may contain links to third-party websites not controlled by U.S. Bank. U.S. Bank is not responsible for the content or any products and services offered, nor does it guarantee the system availability or accuracy of information contained in the site. Please note that the third party site may have terms of use, privacy, and information security policies that differ from those of U.S. Bank.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google, Google Pay and the Google Pay logo are trademarks of Google LLC. © 2019 Samsung Pay is a trademark or registered trademarks of Samsung Electronics Co., Ltd.

Offer only available online.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

From ForbesAdvisor.com, Best Balance Transfer Business Credit Card, February 2022, © Forbes Marketplace Operations, Inc. 2022.

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  1. The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 30 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply.  When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to non-Fixed Payment Program balances in the order of lowest to highest APR before applying to Fixed Payment Program balances.

  2. Balance Transfer transactions from other U.S. Bank National Association accounts are not permitted. Balance transfers submitted at time of application will be held for 10 days before processing.

  3. U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

  4. From time to time we may offer you the benefit of our U.S. Bank ExtendPay® Plans, which allow you to pay off balances in fixed monthly payments over time and still avoid paying interest charges on new Purchases. Only your company’s Authorized Officer (AO) may enroll in an ExtendPay Plan. All references to "you" and "your" apply to the AO. Accounts set up for which multiple billing statements are issued do not qualify. If your company’s card program is set up with central billing, the AO may select ExtendPay eligible Purchases when viewing the central billing account (which includes Purchases made on employee cards). If your company is set up with individual billing, the AO may only select Purchases made on their own card account. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases and pay in monthly installments with just a small fixed monthly fee. Only Purchase balances are eligible for ExtendPay Plans. Transactions identified as Advances or Balance Transfers (as defined in your Cardmember Agreement), and any interest or fees, including Annual Fee, do not apply. The only Purchases that will appear as "Eligible Purchases" in the enrollment process are Purchases that were made within 60 days prior to signing up for an ExtendPay Plan, are over $100, and are less than your Purchase balance when you sign up for an ExtendPay Plan. Any unpaid balance remaining on an ExtendPay Plan after the chosen pay-back period will be subject to the APR and minimum payment calculation for purchases outlined in the Cardmember Agreement. The monthly fixed fee will be determined when your ExtendPay Plan is created and is provided to you before you complete setting up an ExtendPay Plan. This fee will remain the same until the ExtendPay Plan is paid in full. The monthly fixed fee of the ExtendPay Plan is based upon the original principal amount, Purchase APR, and other factors.