U.S. Bank Triple Cash Rewards
$0/mo est.
- Card type
- Revolving credit
- Purchase APR
- 17.49% to 26.49%
- FX fee
- 3%
- Personal guarantee
- Not published at source
- Minimum to apply
- Not published at source
- Est. fees /mo
- $0/mo
U.S. Bank
Visa business cards from U.S. Bank National Association with no annual fee, free employee cards and an introductory rate for the opening billing cycles.
Best for
Businesses planning a large purchase or balance transfer that want an intro rate and no annual fee.
U.S. Bank business credit cards
All prices in USDSourced from provider's published pricing
Every U.S. Bank card we compare, side by side. Approval and your rate are decided by the issuer.
Fees only, at 5 cardholders and no foreign spend: the annual fee spread monthly, plus any software charged per cardholder. Excludes interest.
U.S. Bank Business Shield
$0/mo est.
- Card type
- Revolving credit
- Purchase APR
- 16.49% to 25.49%
- FX fee
- 3%
- Personal guarantee
- Personal guarantee required
- Minimum to apply
- Not published at source
- Est. fees /mo
- $0/mo
Strengths and trade-offs
Pros
- No annual fee and free employee cards on both cards
- An introductory rate on purchases and early balance transfers
- Triple Cash Rewards needs no existing U.S. Bank account
- Issued on Visa by a named national bank
Cons
- A foreign transaction fee applies on both cards
- Business Shield states the owner may be liable for the company debt and that personal credit is checked
- Business Shield does not publish which business structures can apply
- Triple Cash Rewards category rates exclude discount stores, supercenters and wholesale clubs
About U.S. Bank
U.S. Bank issues several small-business Visa cards. We compare the Triple Cash Rewards Visa Business Card and the Business Shield Visa Card, both revolving credit cards issued by U.S. Bank National Association and available to United States residents only. Neither charges an annual fee, employee cards are free on both, and both carry an introductory rate on purchases and on balance transfers made soon after opening.
Triple Cash Rewards pays a higher cash back rate in set categories and a base rate elsewhere. Its application lists sole proprietorship as a business structure, and U.S. Bank states that no U.S. Bank account or other relationship is needed to get the card. Business Shield is built around its intro period rather than rewards, and adds ExtendPay plans that split eligible purchases into monthly payments for a fixed monthly fee.
Business Shield's own consent page says U.S. Bank obtains a consumer credit report on the business owner because the owner may be liable for the company's obligation on the account. The Triple Cash Rewards pages read do not state personal liability or a credit check in those terms. Both cards charge a foreign transaction fee.
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