Features

Who is US Bank Business Edge Platinum Visa Card Designed For?

US Bank Business Edge Platinum Visa Card is a credit card designed for business owners with good or excellent credit (above 720) who want a no-hassle business credit card with no annual fee, a 0% APR intro rate and competitive interest rates. However, it doesn't have a rewards program, so if you're looking to earn rewards on your business purchases, look elsewhere.

What are the Interest Rates for US Bank Business Edge Platinum Visa Card?

- US Bank Business Edge Platinum Visa Card' interest rates for purchases and balance transfers range from 9.99% to 17.99% APR depending on the credit history of cardholders. There is a 0% APR intro rate on purchases and balance transfers for the first 12 billing cycles. Cash advances have a 23.99% APR and there is a 28.99% penalty rate when cardholders are late on their payments that will continue in place until the cardholder makes 6 consecutive payments on time.

What Are the Fees for US Bank Business Edge Platinum Visa Card Credit Card?

- The US Bank Business Edge Platinum Visa Card doesn't have an annual fee. It does have a 3% balance transfer fee and a 2% fee on foreign transactions in dollars, which goes up to 3% when the foreign transaction is also in a foreign currency. Cash advances have a 4% fee ($10 minimum). Late payments incur a $19 to $39 fee (depending on the size of the balance), returned payments trigger a $35 fee; and if you go over your credit limit, you get a $39 overlimit fee.

What Is US Bank Business Edge Platinum Visa Card's Rewards Program Like?

US Bank's Business Edge Platinum Visa Card doesn't have a rewards program.

What about US Bank Business Edge Platinum Visa Card's Signup Bonus?

US Bank Business Edge Platinum Visa Card doesn't offer new customers a sign up or enrolment bonus.

Does US Bank Business Edge Platinum Visa Card Have Any Other Benefits?

US Bank Business Edge Platinum Visa Card is an easy to use and convenient way for business owners to manage their spending, but it is very light on benefits and perks. It offers free additional card for employees, zero fraud liability, and 15% savings on business purchases from merchants that are part of Visa's SavingsEdge program.

How Is US Bank Business Edge Platinum Visa Card Better Than Other Credit Cards?

The US Bank Business Edge Platinum Visa Card allows businesses to pay bills on the fly and monitor their spending through US Banks's FlexControl and ScoreBoard services. The interest rates are low, there is no annual fee, new cardholders have a 12-month 0% APR intro rate and employee cards are free. The only catch is that it doesn't have a rewards program, so business owners don't earn any points or cashback on purchases. If you want a business card with similar features that offers a rewards program, US Bank also has the Business Edge Cash Rewards and the Business Edge Travel Rewards Card, which do include rewards programs.

  • Card Type
    Low APR Balance Transfer
  • Customer Type
    Business
  • Card Network
    Visa
  • Minimum Age
    18
  • Grace Period / Deferred Interest
    24
  • Late Payment Penalty
    $19
  • Minimum Interest Charge
    $2
  • Over-Limit Fee
    $39
  • Returned Payment Fee
    $35
  • Foreign Currency Transaction Fee
    3%
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    9.99% - %
  • Transfer Fee
    3% ($5 minimum)
  • Balance Transfer APR
    9.99% to 17.99% APR% - %
js-table-filter bizname-us-bank-business-edge-select-rewards-visa-card
js-table-filter air-miles-136
js-table-filter airlines-140
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter gas-139
js-table-filter points-137
11.99
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Air Miles
  • Airlines
  • Cashback
  • Gas
  • Points
  • Restaurants
  • Travel
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.99%
070
js-table-filter bizname-us-bank-flexperks-business-edge-rewards-card
js-table-filter air-miles-136
js-table-filter airlines-140
55
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter gas-139
js-table-filter groceries-141
js-table-filter points-137
11.99
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Air Miles
  • Airlines
  • Cashback
  • Gas
  • Groceries
  • Points
  • No Annual Fee First Year
Annual Fee $55
Card Type Rewards
Purchases APR 11.99%
043
js-table-filter bizname-us-bank-flexperks-business-travel-rewards-visa
js-table-filter airlines-140
55
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter points-137
11.99
js-table-filter travel-143
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Airlines
  • Gas
  • Points
  • Travel
Annual Fee $55
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.99%
Balance Transfer APR 11.99% – 17.99% var. APR%
030
js-table-filter bizname-us-bank-flexperks-business-select-rewards-visa
25
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
11.99
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Points
Annual Fee $25
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.99%
Balance Transfer APR 11.99% – 17.99% var. APR%
030
js-table-filter bizname-korean-air-skypass-visa-business-card
js-table-filter air-miles-136
75
js-table-filter ccard-type-137
js-table-filter ccard-type-136
12.99% – 19.99% var. APR
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Air Miles
  • No Foreign Transaction Fee
Annual Fee $75
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99% – 19.99% var. APR%
Balance Transfer APR 12.99% – 19.99% var. APR%
058
js-table-filter bizname-us-bank-business-platinum-visa-card
0
js-table-filter ccard-type-137
9.99% – 20.99% var. APR
0% APR for 15 months
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Purchases APR 9.99% – 20.99% var. APR%
Balance Transfer APR 9.99% – 20.99% var. APR%
048
js-table-filter bizname-business-edge-cash-rewards-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter gas-139
11.99
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Cashback
  • Gas
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.99%
Balance Transfer APR 11.99% to 17.99% APR%
058
js-table-filter bizname-business-edge-travel-rewards
js-table-filter airlines-140
55
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter points-137
11.99
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1850

  • Airlines
  • Gas
  • Points
  • No Annual Fee First Year
Annual Fee $55
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.99%
Balance Transfer APR 11.99% to 17.99%%
148
js-table-filter bizname-business-edge-select-rewards-card
js-table-filter airlines-140
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter points-137
11.99
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1850

  • Airlines
  • Gas
  • Points
  • Restaurants
  • Travel
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.99%
Balance Transfer APR 11.99% to 17.99% APR%
058
js-table-filter bizname-us-bank-business-edge-platinum-visa-card
0
js-table-filter ccard-type-139
js-table-filter ccard-type-137
9.99
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • No Annual Fee
  • 0% Introductory APR
Card Type Low APR
Card Type Balance Transfer
Purchases APR 9.99%
Balance Transfer APR 9.99% to 17.99% APR%
058
js-table-filter bizname-us-bank-club-carlson-business-rewards-visa-designed
60
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
13.99
js-table-filter travel-143
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Every Purchase
  • Points
  • Travel
Annual Fee $60
Card Type Rewards
Purchases APR 13.99%
040
js-table-filter bizname-us-bank-ace-rewards-visa-business-visa-card
0
js-table-filter ccard-type-136
js-table-filter points-137
13.99
0
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Points
  • No Annual Fee
Card Type Rewards
Purchases APR 13.99%
Balance Transfer APR 13.99% to 22.99%%
000
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If you have decent credit and want a no-nonsense business credit card with no annual fee, this is your card. It's a good card for big purchases thanks to the 0% APR for the first 12 months. But if you're looking for a flashy rewards program, look elsewhere.


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