U.S. Bank Business Platinum Card Review 2022

The U.S. Bank Business Platinum card is a product of the United States Bank, part of JPMorgan Chase & Co., and offers benefits such as 1 point per dollar spent on all purchases made with your United States Bank Visa platinum credit card worldwide, and an annual $200 travel credit for one round-trip paid ticket anywhere in the world to use within 12 months from enrollment date

The “u.s. bank business platinum credit limit” is the maximum amount of credit that you can use with your U.S. Bank Business Platinum Credit Card, and it’s typically $25,000 or less.

The Business Platinum Card from U.S. Bank is a great option for companies that want to keep their balances low without having to pay an annual fee. For the first 20 billing cycles, this business credit card provides a 0% introductory annual percentage rate (APR) on purchases and debt transfers. This credit card, however, does not give any benefits.

Business Platinum Card from U.S. Bank

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Purchases and balance transfers have a longer 0% APR term.

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On the secure website of US Bank

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APR on a regular basis

Variable between 11.99 and 20.99 percent

• For the first 18 billing cycles, get a Introductory APR of 0%* on purchases and debt transfers. Then there’s the variable APR, which ranges from 11.99 percent to 20.99 percent right now.
• *There is no yearly charge.
• Employee cards are available at no cost.
• You’re protected against illegal transactions with zero fraud liability*.

Pros

• Offers a lengthy introductory rate of 0% APR.
• Purchases and balance transfers are both eligible for a 0% APR.
• There is no yearly charge.

Cons

• There are no initial or continuing incentives.
• Even during the promotional period, there is a balance transfer cost.
• To be considered, you must have an excellent credit score.

• For warranties of three years or less, U.S. Bank will double the original manufacturer’s warranty and provide an extra year of coverage. The amount of coverage is capped at $10,000 per item.
• Purchase protection: Within 90 days of purchase, U.S. Bank provides purchase protection for things that are damaged or stolen. The coverage is restricted to $500 per claim and $50,000 per year per cardholder.

APR on a regular basis

Variable between 11.99 and 20.99 percent

• For the first 18 billing cycles, get a Introductory APR of 0%* on purchases and debt transfers. Then there’s the variable APR, which ranges from 11.99 percent to 20.99 percent right now.
• *There is no yearly charge.
• Employee cards are available at no cost.
• You’re protected against illegal transactions with zero fraud liability*.

Pros

• Offers a lengthy introductory rate of 0% APR.
• Purchases and balance transfers are both eligible for a 0% APR.
• There is no yearly charge.

Cons

• There are no initial or continuing incentives.
• Even during the promotional period, there is a balance transfer cost.
• To be considered, you must have an excellent credit score.

• For warranties of three years or less, U.S. Bank will double the original manufacturer’s warranty and provide an extra year of coverage. The amount of coverage is capped at $10,000 per item.
• Purchase protection: Within 90 days of purchase, U.S. Bank provides purchase protection for things that are damaged or stolen. The coverage is restricted to $500 per claim and $50,000 per year per cardholder.

Do you wish to compare the characteristics of two cards? We’ve made it simple for you to do so by allowing you to check off up to three cards on this page and adding them to your basket. You’ll be able to compare the information in a side-by-side comparison this way.

How Do We Assess Commercial Credit Cards?

When evaluating a low-interest business credit card like the Business Platinum Card from U.S. Bank, we consider the introductory and ongoing APR first. Then we evaluate introductory and ongoing rewards as well as additional features like purchase protection and Protection under the Extended Warranty.

Who the Business Platinum Card from U.S. Bank Is Best For

• Business owners who frequently carry a balance: The Business Platinum Card from U.S. Bank offers a Low annual percentage rate (APR) that helps businesses save on payments, especially if they carry a significant balance.
• Business owners looking to finance a large purchase or transfer a balance: The Business Platinum Card from U.S. Bank offers a 0% introductory APR for the first 20 billing cycles on both purchases and balance transfers, so you can make a large purchase or transfer a balance without having to pay any interest if you pay your balance in full before the promotional period ends. Because of this, we chose the Business Platinum Card from U.S. Bank as the best overall 0% APR Business Credit Card for 2022.
• Business owners who don’t want to pay an annual fee: The Business Platinum Card from U.S. Bank doesn’t charge an annual fee.

Business Platinum Card from U.S. Bank Fees

APRs

• For the first 20 billing cycles, the introductory APR is Purchases are tax-free. and debt transfers.
• Ongoing Annual Percentage Rate (APR): 11.99 percent to 20.99 percent variable, based on prime rate.
• Variable APR on cash advances: 25.99 percent
• If you do the following, a penalty APR of 29.99 percent will be added to your account:
  • Twice, the bill was paid five calendar days late.
  • Once you’ve missed a payment by 30 days, you’ll be charged a late fee.
  • Make a returnable payment.
  • In the last 12 months, you’ve gone over your credit limit twice.

Fees for certain services

• There is no yearly charge.
• $2 is the minimum interest charge.
• Balance transfer fee: $5 or 3% of the transfer amount, whichever is larger, throughout the application process.
• Cash advance on a convenience check: $5 or 3%, whichever is larger.
• ATM cash advance: $10 or 5%, whichever is more.
• Fee for cash advances: $10 or 5% of the amount borrowed, whichever is larger.
• Advance in cash equivalent: $20 or 4%, whichever is larger.
• Fee for international transactions: 3% of each international transaction
• ExtendPay fees: In an ExtendPay Plan or ExtendPay Loan, the monthly cost cannot exceed 1.6 percent of the initial principle amount.
• Late payment fees are $19 for accounts under $100, $29 for balances between $100 and $250, and $39 for sums beyond $250.
• Payment returned: $35
• $39 for going above the limit.

Business Platinum Card from U.S. Bank Rewards

The Business Platinum Card from U.S. Bank doesn’t offer introductory or ongoing rewards, which is rare, even among credit cards that charge a low APR. The key benefit of having a Business Platinum Card from U.S. Bank is that you get a competitive introductory and ongoing rate while enjoying a 0% APR on purchases and balance transfers for the first 20 billing cycles.

How To Make Payments on the Business Platinum Card from U.S. Bank

• Pay your credit card bill at a branch: You may pay your credit card bill at any U.S. Bank branch. Visit usbank.com to discover a U.S. Bank ATM or branch location near you.
• Regular mail or overnight delivery are also options for sending your cheque or money order:

• Online/mobile banking: Set up autopay or a one-time payment using the US Bank website or mobile app to make your payment electronically.
• Phone: Call (800) 285-8585 or the number on the back of your card.
• Third-party payments: U.S. Bank allows a range of third-party payment options, including bill pay, wire transfers, and others.

Business Platinum Card from U.S. Bank Additional Features

Cash Flow Planning

U.S. Bank provides a variety of digital platforms and solutions to assist you in managing payments and staying on top of your cash flow demands.

Cardholders can handle all of their bank transactions with only one device thanks to the company’s mobile app. Both Apple and Android users may download the software.

In terms of the United States, Cardholders may view their statements and transaction data on the bank’s website, as well as make bill payments and account transfers and manage their existing credit cards. SinglePoint® Essentials is a U.S.-made product. The bank’s one-stop shop for checking account balances and transaction information, as well as moving money across existing U.S. accounts. Bank accounts, statement downloads, payment processing, and more.

Additional Playing Cards

You can request Additional Playing Cards for your employees, either at a branch or online.

Protection Against Fraud

U.S. Bank offers Protection Against Fraud to ensure the safety and security of all cardholders. To learn more about U.S. Bank’s Protection Against Fraud services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.

Should you suspect fraudulent activity with your Business Platinum Card from U.S. Bank, call 877-595-6256 for immediate assistance.

Collision Damage Waiver for Car Rentals

You can get auto rental coverage from the U.S. Bank if you charge your entire rental transaction amount to your Business Platinum Card from U.S. Bank and ask the rental company to not include collision insurance (or loss damage waiver). You’re also covered if your rental car is damaged or stolen while traveling (certain terms and conditions may apply).

Protection under the Extended Warranty

U.S. Bank will extend the original manufacturer’s warranty on items that were purchased with the Business Platinum Card from U.S. Bank by up to one additional year on warranties of three years or less (up to a maximum of $10,000 per claim).

Dispatch at the Roadside

Business Platinum Card from U.S. Bank owners can get emergency roadside services such as towing, fuel delivery, and more by calling (800) VISA-TOW or (800) 847-2869. Note that cardholders will be responsible for the service fees and that certain terms, conditions, and exclusions may apply.

Pros & Cons of the Business Platinum Card from U.S. Bank

Business Platinum Card from U.S. Bank Alternatives

Blue Business CashTM from American Express

The Blue Business CashTM from American Express is our choice for the best overall cash back business credit card because it offers a straightforward 2% cash back on all eligible purchases, worth up to $50,000 per calendar year, then 1% cash back after that. You can also earn a $250 statement credit after spending $3,000 with your card in the first three months. This card also allows you to go over your credit limit with its expanded buying power feature. The amount available to spend above your credit limit is adjusted according to your card usage, payment history, credit record, financial resources, and other factors.

The American Express Blue Business CashTM Card is a credit card issued by American Express.

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

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on The American Express Blue Business CashTM Card is a credit card issued by American Express.’s secure website.

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Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Excellent, Excellent

• After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
• Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
• Your company is continuously evolving, from workflow to inventory to floor layouts. As a result, with Expanded Buying Power, you have the ability to spend over your credit limit.
• Always keep in mind that the amount you may spend above your credit limit is restricted. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
• For the first 12 months after account creation, you’ll get a Introductory APR of Purchases are tax-free., followed by a variable rate of 13.49 percent to 21.49 percent, dependent on your creditworthiness and other variables assessed at the time of account opening.
• There is no yearly charge.
• Terms and Conditions apply.

Pros

• Introductory APR of 0%
• Bonus for new customers
• Rewards at a certain rate
• There is no yearly charge.

Cons

• It is not possible to get a cash advance.
• Charges fees for international transactions.
• A total of $50,000 in yearly expenditure is restricted at 2% cash back.

• Expanded purchasing power: Take advantage of increased purchasing power when your company need it. Increased purchasing power allows you to go above and beyond your credit limit, allowing you to get more work done. While the amount you can spend above your credit limit isn’t limitless, it varies depending on how you use the card, your payment history, credit history, financial resources that we know about, and other criteria.
• Car rental loss and damage insurance: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.

Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Excellent, Excellent

• After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
• Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
• Your company is continuously evolving, from workflow to inventory to floor layouts. As a result, with Expanded Buying Power, you have the ability to spend over your credit limit.
• Always keep in mind that the amount you may spend above your credit limit is restricted. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
• For the first 12 months after account creation, you’ll get a Introductory APR of Purchases are tax-free., followed by a variable rate of 13.49 percent to 21.49 percent, dependent on your creditworthiness and other variables assessed at the time of account opening.
• There is no yearly charge.
• Terms and Conditions apply.

Pros

• Introductory APR of 0%
• Bonus for new customers
• Rewards at a certain rate
• There is no yearly charge.

Cons

• It is not possible to get a cash advance.
• Charges fees for international transactions.
• A total of $50,000 in yearly expenditure is restricted at 2% cash back.

• Expanded purchasing power: Take advantage of increased purchasing power when your company need it. Increased purchasing power allows you to go above and beyond your credit limit, allowing you to get more work done. While the amount you can spend above your credit limit isn’t limitless, it varies depending on how you use the card, your payment history, credit history, financial resources that we know about, and other criteria.
• Car rental loss and damage insurance: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.

PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature PNC Cash Rewards® Visa Signature

The PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature PNC Cash Rewards® Visa Signature is one of this year’s best small business credit cards, as it offers a low starting APR of 10.99%. In addition, this credit card is one of the few that offers fixed-rate rewards and 1.5% cash back on all eligible purchases, with no limit to how much you can earn.

PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature PNC Cash Rewards® Visa Signature

Cash back benefits are available to PNC Bank account customers.

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PNC’s Secure Website (https://www.pnc.com)

Compare with

Intro APR

0% for the first nine billing cycles

APR on a regular basis

Variable between 10% and 19.99 percent

Credit is required.

Excellent – Excellent

• If you spend $3,000 in the first three billing cycles, you’ll get a $250 incentive.
• For the first nine billing cycles after creating an account, there is no APR on purchases.
• All purchases will earn you 1.5 percent cash back.
• There is no yearly charge.

Pros

• There is no yearly charge.
• Bonus for registering
• Low annual percentage rate (APR)

Cons

• APR of 0% for a limited time
• On balance transfers, there is no 0% APR term.
• Nonaccount holders are unable to use the online application.

• Cash Flow Insight®: This tool helps in budget planning by allowing you to track your expenditure categories.  
• Business integrations: You may use.csv files or download your transactions into Excel®, Quicken®, or QuickBooks®.
• Advantages of the Visa Signature® Card: This card includes Visa travel benefits as well as purchase protection.

Intro APR

0% for the first nine billing cycles

APR on a regular basis

Variable between 10% and 19.99 percent

Credit is required.

Excellent – Excellent

• If you spend $3,000 in the first three billing cycles, you’ll get a $250 incentive.
• For the first nine billing cycles after creating an account, there is no APR on purchases.
• All purchases will earn you 1.5 percent cash back.
• There is no yearly charge.

Pros

• There is no yearly charge.
• Bonus for registering
• Low annual percentage rate (APR)

Cons

• APR of 0% for a limited time
• On balance transfers, there is no 0% APR term.
• Nonaccount holders are unable to use the online application.

• Cash Flow Insight®: This tool helps in budget planning by allowing you to track your expenditure categories.  
• Business integrations: You may use.csv files or download your transactions into Excel®, Quicken®, or QuickBooks®.
• Advantages of the Visa Signature® Card: This card includes Visa travel benefits as well as purchase protection.

Chase Ink Business Unlimited® is a trademark of Chase Ink.

The Chase Ink Business Unlimited® is a trademark of Chase Ink. is our choice for the best overall small business credit card, as it offers cash back at a fixed rate of 1.5% for every $1 spent on business purchases. In addition, this card lets you transfer your existing rewards to another Chase personal or business credit card within the Ultimate Rewards program.

Credit Card Ink Business Unlimited®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting 1.5 percent cash back on each and every transaction

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Chase’s Protected Website

Compare with

Intro APR

Introductory APR of Purchases are tax-free.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

• After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
• Earn an unlimited amount of 1.5 percent cash back on all purchases made for your company.
• There is no yearly charge.
• With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
• Employee cards allow you to earn rewards quicker and at no extra expense. To get more control over your spending, set specific spending limitations.
• With Protection Against Fraud your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• On purchases, there is a 0% introductory APR for the first 12 months.

Pros

• On purchases, there is a 0% introductory APR.
• On all purchases, you’ll get unlimited cash back incentives.

Cons

• Balance transfers are not eligible for the introductory APR period.
• Balance transfer fees are 5%.
• Charges fees for international transactions.
• To qualify, you must have outstanding credit.

• Collision Damage Waiver for Car Rentals: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
• Purchase protection: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year.
• Protection under the Extended Warranty: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less

Intro APR

Introductory APR of Purchases are tax-free.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

Credit is required.

Excellent, Excellent

• After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
• Earn an unlimited amount of 1.5 percent cash back on all purchases made for your company.
• There is no yearly charge.
• With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
• Employee cards allow you to earn rewards quicker and at no extra expense. To get more control over your spending, set specific spending limitations.
• With Protection Against Fraud your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• On purchases, there is a 0% introductory APR for the first 12 months.

Pros

• On purchases, there is a 0% introductory APR.
• On all purchases, you’ll get unlimited cash back incentives.

Cons

• Balance transfers are not eligible for the introductory APR period.
• Balance transfer fees are 5%.
• Charges fees for international transactions.
• To qualify, you must have outstanding credit.

• Collision Damage Waiver for Car Rentals: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
• Purchase protection: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year.
• Protection under the Extended Warranty: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less

Conclusion

The Business Platinum Card from U.S. Bank is best for businesses that need to charge a large purchase or transfer a balance since it offers a 0% introductory APR for 20 billing cycles. While this low-interest credit card doesn’t charge an annual fee, it also doesn’t offer rewards. If you need a card that offers a rewards structure, look for more options in our Credit Card Marketplace.

The “U.S. Bank Business Platinum Card Review 2022” is a card that offers some great features such as travel and rental insurance, cell phone protection, identity theft protection, and more. Reference: does u.s. bank business card report to personal credit.

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