Best U.S. Bank Business Credit Cards of 2026
U.S. Bank accepts fair credit and offers intro APR on purchases and balance transfers — a combination few business card issuers can match.
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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 Triple Cash Rewards Visa® Business Card
Best for Cash back + intro APR
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
on U.S. Bank's website
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- 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 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
75,000
Points
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
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- No Annual Fee
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U.S. Bank Triple Cash Rewards Visa® Business Card
Best for Cash back + intro APR
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
on U.S. Bank's website
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- 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
It's rare to find a business credit card with 0% intro APR on balance transfers. But the U.S. Bank Triple Cash Rewards Visa® Business Card delivers just that. You get 0% intro APR on Purchases and Balance Transfers for 12 billing cycles, and then the ongoing APR of 17.24%-26.24% Variable APR. Another standout feature: there's no cap on the card's bonus categories.
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- 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
It's rare to find a business credit card with 0% intro APR on balance transfers. But the U.S. Bank Triple Cash Rewards Visa® Business Card delivers just that. You get 0% intro APR on Purchases and Balance Transfers for 12 billing cycles, and then the ongoing APR of 17.24%-26.24% Variable APR. Another standout feature: there's no cap on the card's bonus categories.
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- 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 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
75,000
Points
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
This card delivers a top-notch rewards rate (4X) on all travel purchases — including gas and EV charging stations — on the first $150,000 in combined spending each year. Other travel-friendly perks include a monthly statement credit for taxi and rideshare trips and up to four free Priority Pass lounge visits each year. But, unlike other business travel cards, you can't transfer points to travel partners.
- Earn 75,000 bonus points if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- Terms and conditions apply.
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
This card delivers a top-notch rewards rate (4X) on all travel purchases — including gas and EV charging stations — on the first $150,000 in combined spending each year. Other travel-friendly perks include a monthly statement credit for taxi and rideshare trips and up to four free Priority Pass lounge visits each year. But, unlike other business travel cards, you can't transfer points to travel partners.
- Earn 75,000 bonus points if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- Terms and conditions apply.
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
Jump to
Other business credit cards from U.S. Bank
5 things to know about U.S. Bank business credit cards
What’s new with U.S. Bank business cards?
Alternatives to U.S. Bank business credit cards
Other business credit cards from U.S. Bank
U.S. Bank added this card to its lineup in early 2026. It effectively replaced the U.S. Bank Business Platinum Card. (That card is no longer available.)
The Business Shield offers an extra-long 18-month intro APR period on purchases and balance transfers (then an ongoing APR of 16.24% - 25.24%). But you have to apply in-branch to get that deal. Otherwise, it's 12 months long.
The U.S. Bank Triple Cash Rewards Visa® Business Card is the better deal in that case.
One of two business travel cards offered by U.S. Bank. This one earns 2X points on purchases and is worth considering if your spending doesn’t align with the Altitude Connect’s bonus categories. Even then, it’s worth shopping around. The Altitude Power has an outsized annual fee ($195) given its rather limited perks. Yes, you get a Priority Pass lounge membership. But you still pay a per-visit fee. The Altitude Connect at least includes four free visits each year.
This card’s rewards automatically adjust to your spending. You earn 2X points in your top two categories each month. U.S. Bank doesn’t cap bonus spending or limit you to a narrow set of eligible categories. That sets this card apart from others with similar reward setups, like the American Express® Business Gold Card. Another departure from the Business Gold? This card’s low annual fee. It’s $0 for the first year, then $95. The Business Gold is $375 per year.
The Business Leverage’s 2X reward rate does exclude a few categories, though: gas stations, electric vehicle charging stations and grocery purchases made at wholesale clubs and discount stores or supercenters, like Target and Walmart.
The new U.S. Bank Amazon Business Card launched in May 2026. It earns 3% back on Amazon purchases — Amazon.com, Amazon Business, AWS and Whole Foods Market — on up to $150,000 annually. You also get 2% back on your top three non-Amazon spending categories each statement cycle, up to the same $150,000 cap. This card has no annual fee.
Consider this the big sister to the Amazon Business Card. The rewards are nearly identical, except you get 5% back on the first $150,000 in Amazon purchases annually. There’s no annual fee, but you do need a Prime membership. Odds are you already have that if you’re considering a co-branded Amazon card. If so, it’s an easy choice to go with this card over the Amazon Business Card.
5 things to know about U.S. Bank business credit cards
- You don't need perfect credit. Most business credit cards require good-to-excellent personal credit — typically a FICO score of 690 or higher. U.S. Bank sets a more attainable bar, requiring only a 631 or higher. That makes them among the few business credit cards available to business owners with fair credit.
- Some cards offer interest-free balance transfers. It's hard to find a business credit card with an intro APR offer that applies to balance transfers. U.S. Bank has two of them. The U.S. Bank Triple Cash Rewards Visa® Business Card is consistently our pick for best balance transfer business card. It offers 0% intro APR on Purchases and Balance Transfers for 12 billing cycles, and then the ongoing APR of 17.24%-26.24% Variable APR. The Business Shield has a nearly identical offer, but with a lower ongoing APR.
- Spending on employee cards doesn't count toward the bonus threshold. U.S. Bank has some of the best business card sign-up bonuses. Just don't count on employee cards to help you hit the spending minimum — only spending on the primary card applies. That’s different from other major issuers like Chase and Capital One.
- There are no travel partners. Transferring credit card rewards to hotel and airline loyalty programs is an easy hack to increase the value of your points. But you don't have that option with the U.S. Bank Business Altitude® Connect Visa Signature® Card or the U.S. Bank Business Altitude Power® Visa Signature® Card. Business travel cards from Chase, Capital One and American Express let you transfer points and miles to more than a dozen travel partners, including Air France-KLM Flying Blue, British Airways Club, World of Hyatt and Hilton Honors.
- Some cards have a built-in buy now, pay later. U.S. Bank's ExtendPay® Plan lets you split big purchases into installments with a fixed monthly fee rather than interest. ExtendPay® is available on multiple cards, including the U.S. Bank Triple Cash Rewards Visa® Business Card, Altitude Connect and Business Shield. Only the account owner can enroll. The feature is subject to eligibility and other terms.
💬 From our Nerds: U.S. Bank might be its own best competitor
"We dig into a lot of fine print and footnotes to cover business credit cards. One interesting detail that turns up: U.S. Bank owns Elan Financial Services.
"Elan powers credit card programs at smaller financial institutions. U.S. Bank acquired Elan more than 20 years ago, so I’m not breaking news here. But these relationships do affect your card options today.
"Because if you like a U.S. Bank business card, you may find a better version via an Elan partner.
"Most notably, Elan’s Business Zero+ Card mirrors the Business Shield — with one big difference. The Business Shield’s best perk, an 18-month intro APR period, is only available if you apply in-person. Apply online, and that timeframe shrinks to 12 months. That’s not the case elsewhere.
"Online applicants via banks like NBKC, Preferred Bank and Frontier Bank get 18 months by default. That’s huge if you aren’t near a U.S. Bank branch, don’t have the time to visit one or simply want the longest 0% intro APR period possible.
"Elan partners may also have their own versions of the Triple Cash and Business Leverage. These cards have smaller welcome bonuses than their U.S. Bank counterparts. But they also require less spending to net those offers."
— Ryan Lane, assigning editor covering small business
What’s new with U.S. Bank business cards?
Amazon moves to U.S. Bank
Amazon dropped AmEx and moved its business cards to U.S. Bank. The new Prime Business Card and Amazon Business Card launched on May 13, 2026. You'll get the same reward rate on Amazon purchases — 5% or 3%, depending on the card — but can now earn rewards on more non-Amazon spending.
The new cards earn 2% back in your top three eligible spending categories each billing cycle, on up to $150,000 annually. The list includes 15 categories — more than any other cash-back business card we've reviewed. And certainly more than the American Express version, which only offered 2% back at U.S. gas stations, restaurants and wireless providers.
- Accounting and tax services.
- Advertising and direct marketing.
- Airlines.
- Car rental.
- Cell phone service providers.
- Computer and software services.
- Dining.
- Drug stores and pharmacies.
- Entertainment.
- Gas and EV stations.
- Grocery stores.
- Hotel.
- Office supply stores.
- Postal and shipping services.
- Utilities.
U.S. Bank's Amazon cards also have a version of the issuer's ExtendPay® Plan. You can split purchases into equal installments over three, six or 12 months, depending on the dollar amount. You won't pay interest, but you won't earn rewards either.
U.S. Bank juggles its card lineup
U.S. Bank dropped the Business Platinum card and added the Business Shield card in February 2026. The two cards are remarkably similar — no annual fee, no bonus offer and no ongoing rewards. Both cards also feature a long intro APR period of purchases and balance transfers. The main difference: The Business Shield gives you a longer intro APR period if you sign up in person.
New spend management tools
U.S. Bank introduced spend management features for its business credit cards in April 2025. This functionality allows for greater tracking of employee spending. However, some options, like custom rule setting, require an additional paid subscription. That costs $79/month (or $799/annually) as of this writing.
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® Connect Visa Signature® Card. Yes, the annual fee is steeper — $395 vs $95 — but the card’s generous welcome offer 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. You also get unlimited complimentary airport lounge access at Capital One, Plaza Premium Group and participating Priority Pass lounges. Learn more and apply.
🤓
The annual fee on your business credit card can be tax deductible if you use the card exclusively for business expenses. Nerdy Tip
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 16.74%-24.74% Variable APR. The Ink Business Unlimited® Credit Card has no annual fee and a generous welcome offer that competes with the U.S. Bank 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 with bad credit
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. Read our full review.
Methodology
NerdWallet's writers and editors monitor more than 70 business credit cards to select the best options 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).
We consider more than 20 data points for each card we score, including detailed information about rewards, credits and fees. We gather this information from rates and fees documents, deposit account agreements, financial institution websites and company representatives.
Our editorial team regularly reviews and updates our data to ensure consistency and accuracy. We also update our scoring on an ongoing basis to reflect changing industry norms and business owner needs. For instance, in 2026, we added a small deduction for cards that don’t allow users to issue virtual cards and removed the small increase for cards with no preset spending limit.
Final star ratings range from one to five stars. A five-star score represents the best available product for the largest number of business owners. Learn how NerdWallet rates small-business credit cards.