Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
Balance Transfer APR (Variable APR)
Annual Fee
Credit Score Range
U.S. Bank Business Platinum Card Review
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 9 months.
- APRs: U.S. Bank Business Platinum Card has a variable regular purchase APR that ranges from 14.24% up to 23.24%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. U.S. Bank Business Platinum Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, purchase security, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of US Bank business Platinum card
| The Good | The Bad |
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What are the relevant APRs?
Does it have an introductory APR offer?
| Purchase APR | 14.24% - 23.24% |
| Balance Transfer APR | 14.24% - 23.24% |
| Cash Advance APR | 28.24% |
| Penalty APR | 29.99% |
What fees does it charge?
- There is no annual fee.
- A late payment penalty of up to $39 .
- A returned payment fee of $35.
Does it charge a foreign transaction fee?
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Balance Transfer Fee | 3% |
| Minimum Balance Transfer Fee | $5 |
| Returned Payment Fee | $35 |
| Late Payment Fee | $19 to $39 |
Does it offer a cash back or rewards program?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | No Rewards | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Other Business Credit Cards from U.S. Bank
Purchase APR
Balance Transfer APR
Annual Fee
Credit Score Range
300
850
Purchase APR
Balance Transfer APR
Annual Fee
Credit Score Range
Purchase APR
Balance Transfer APR
Annual Fee
Credit Score Range
300
850
Purchase APR
Balance Transfer APR
Annual Fee
Credit Score Range
300
850
Purchase APR
Balance Transfer APR
Annual Fee
Credit Score Range
300
850
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U.S. Bank Business Platinum Card Community Reviews
Would you recommend U.S. Bank Business Platinum Card to your friends?
Ian G.
Feb 22, 2022
May or may not recommend
Anonymous
Aug 2, 2015
May or may not recommend
Showing 2 of 2 reviews
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