Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
U.S. Bank’s business credit card lineup includes impressive options for cash back and travel rewards — several of which are among our picks for best business credit cards.
Multiple U.S. Bank business credit cards boast extra-long intro APR offers (on purchases only). And some include U.S. Bank's ExtendPay® Plan, which lets you pay for certain purchases over time with a fixed monthly fee rather than interest (terms apply). Have a U.S. Bank personal credit card in your wallet? You also can transfer points between some business and personal Altitude cards.
Here are our choices for the top U.S. Bank business credit cards.
250+ small-business products reviewed and rated by our team of experts.
95+ years of combined experience covering small-business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
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.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
U.S. Bank’s business credit card lineup includes impressive options for cash back and travel rewards — several of which are among our picks for best business credit cards.
Multiple U.S. Bank business credit cards boast extra-long intro APR offers (on purchases only). And some include U.S. Bank's ExtendPay® Plan, which lets you pay for certain purchases over time with a fixed monthly fee rather than interest (terms apply). Have a U.S. Bank personal credit card in your wallet? You also can transfer points between some business and personal Altitude cards.
Here are our choices for the top U.S. Bank business credit cards.
250+ small-business products reviewed and rated by our team of experts.
95+ years of combined experience covering small-business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
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.
Here are the best U.S. Bank business credit cards
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Sign-up bonus U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 | 1%-3% Cashback | $750 | Apply now on U.S. Bank's website Rates & Fees |
Business travel rewards U.S. Bank Business Altitude™ Connect World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | Apply now on U.S. Bank's website Rates & Fees |
Flexible cash-back rewards U.S. Bank Business Leverage® Visa Signature® Card Apply now on U.S. Bank's website Rates & Fees | 3.9/5 | $0 intro for the first year, then $95 | 1x-5x Points | 75,000 Points | Apply now on U.S. Bank's website Rates & Fees |
Corporate card U.S. Bank Commercial Rewards Card Apply now on U.S. Bank's website | 3.0/5 | No annual fee for free plan. Paid plan available. | 1% Cashback | N/A | Apply now on U.S. Bank's website |
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Sign-up bonus U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 | 1%-3% Cashback | $750 | Apply now on U.S. Bank's website Rates & Fees |
Business travel rewards U.S. Bank Business Altitude™ Connect World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 5.0/5 | $0 intro for the first year, then $95 | 1x-5x Points | 60,000 Points | Apply now on U.S. Bank's website Rates & Fees |
Flexible cash-back rewards U.S. Bank Business Leverage® Visa Signature® Card Apply now on U.S. Bank's website Rates & Fees | 3.9/5 | $0 intro for the first year, then $95 | 1x-5x Points | 75,000 Points | Apply now on U.S. Bank's website Rates & Fees |
Corporate card U.S. Bank Commercial Rewards Card Apply now on U.S. Bank's website | 3.0/5 | No annual fee for free plan. Paid plan available. | 1% Cashback | N/A | Apply now on U.S. Bank's website |
I'M INTERESTED IN:
Our pick for
Sign-up bonus
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
This card offers a nice welcome offer — $750 if you spend $6,000 within 180 days — and 3% back in select business categories (including gas stations and restaurants).
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations 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 net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- 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.
View Rates & Fees
Our pick for
Business travel rewards
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
60,000 Points
Pros
- Bonus categories
- Welcome offer
- Annual fee waived for the first year
Cons
- Requires good/excellent credit
- No intro APR offer
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.
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 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 Rewards Center.
- 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 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Terms and conditions apply.
View Rates & Fees
Our pick for
Flexible cash-back rewards
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Points
Intro offer
75,000 Points
Pros
- Personalized rewards
Cons
- Has annual fee
- Needs excellent credit
You’ll earn 2% back in the two categories you spend most in each month. That, coupled with a big welcome offer and no annual fee for the first year, makes this an easy business card to add to your wallet.
- Earn 75,000 points when you spend $7,500 in eligible purchases on the account owner's card within the first 120 days of opening your account.
- Earn 2X points in the top two categories where you spend the most each month automatically.
- 1X points per dollar spent on all other eligible purchases.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limits on the total rewards your business can earn.
- Terms and conditions apply.
View Rates & Fees
Our pick for
Corporate card
U.S. Bank Commercial Rewards Card
Read Review
Apply now
on U.S. Bank's website
Annual fee
No annual fee for free plan. Paid plan available.
Rewards rate
1% Cashback
Intro offer
N/A
Pros
- No annual fee.
- Two-way integration with QuickBooks.
- Companies can earn high rewards rates on travel spending booked through U.S. Bank’s portal or a 1% rebate on all purchases (but not both).
Cons
- Balance must be paid in full each month.
- Not available to sole proprietors or unincorporated businesses.
- Companies who choose the 1% rebate rewards option must spend at least $150,000 per quarter to earn it.
Annual fee
No annual fee for free plan. Paid plan available.
Rewards rate
1% Cashback
Intro offer
N/A
Pros
- No annual fee.
- Two-way integration with QuickBooks.
- Companies can earn high rewards rates on travel spending booked through U.S. Bank’s portal or a 1% rebate on all purchases (but not both).
Cons
- Balance must be paid in full each month.
- Not available to sole proprietors or unincorporated businesses.
- Companies who choose the 1% rebate rewards option must spend at least $150,000 per quarter to earn it.
This is a corporate card, which means it's designed as a spend management tool for larger businesses — you'll have to pay off the balance in full every month. It offers solid rewards on travel booked through the built-in rewards portal, though.
- Commercial credit card backed by an all-in-one platform for card, expense and travel.
- Designed specifically for businesses with $10 to $150 million in annual revenue.
- Simple-to-use design that's straightforward and easy for non-tech administrators to implement and manage.
- Seamlessly integrates with major accounting and HR tools via API.
- Potential to earn rebates with lower spend thresholds of $150,000 per quarter.
- Core insights reports increase visibility and control, and help manage cash flow.
- 24/7 phone and chat support.
- Easy application process – apply in as little as 30 minutes.
Other business credit cards from U.S. Bank
- U.S. Bank Business Platinum Card. This card’s standout feature: It offers0% intro APR on Purchases for 18 billing cycles, and then the ongoing APR of 17.24%-26.24% Variable APR. There’s also no annual fee — but no sign-up bonus or ongoing rewards either. We’d generally opt for those over the extra months of interest-free financing this card offers compared to theU.S. Bank Business Triple Cash Rewards World Elite Mastercard®. But if you’re solely interested in the longest time possible to finance big purchases or startup costs, this card is a fit.
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™ Power World Elite Mastercard®. Yes, the annual fee is steeper — $395
vs $195 — but the card’s massive welcome offer more than 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, plus unlimited complimentary airport lounge access at Capital One, Priority Pass and Plaza Premium Group lounges. (See rates and fees.) Learn more and apply.🤓 Nerdy Tip
The annual fee on your business credit card can be tax deductible if you use the card exclusively for business expenses.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 17.99%-23.99% Variable APR
. The Ink Business Unlimited® Credit Card
has no annual fee and a generous welcome offer that competes with the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
: 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 without excellent credit
Capital on Tap says applicants with a FICO score of 670 or higher have the best chance of approval, but the card is available to business owners with fair credit (typically considered a score from 630 to 689). The
Capital on Tap Business Credit Card
issued by WebBank offers 1.5%
cash back on all purchases, no annual fee and the potential for a low APR. One important note: This card is not available to sole proprietors, which excludes the majority of businesses. Learn more and apply.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.
Last updated on November 12, 2024
Methodology
NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn more about how we rate business credit cards.
