Rating: 5 Stars
Bottom Line:
Pay Off Debt and Purchases for Business Owners
TABLE OF CONTENTS
Card Details
| Regular APR: | 11.99 – 19.99% (Variable) |
| Intro APR (Purchases): | 0% for 12 billing cycles |
| Intro APR (Balance transfers): | 0% for 12 billing cycles for transfers in first 30 days |
| Rewards Rate: | None |
| Credit Needed: | (670 – 850) Good/Excellent |
| Annual Fee: | None |
| Card Brand: | Visa |
*See online credit card application for details on the terms and conditions.
Offer Highlights
- Click APPLY NOW to apply online
- Cover your business needs with 0% Intro APR on purchases and balance transfers for the first 12 billing cycles
- No annual fee
- 24/7 dedicated service, provided by business specialists, when you need it
Is U.S. Bank Business Platinum worth it?
U.S. Bank Business Platinum is a solid no annual fee card for business owners looking to pay off purchases or pay down debt, with 0% for 12 billing cycles on purchases and balance transfers. However, U.S. Bank Business Cash Rewards World Elite MasterCard offers 0% for 15 billing cycles on purchases and balance transfers and also has no annual fee. Not only is U.S. Bank Business Cash Rewards World Elite MasterCard’s payoff period longer, but it also offers rewards. There are a number of other cards that all offer 0% Intro APR for 12 months on purchases and balance transfers, such as Chase Ink Business Cash, American Express Blue Business Plus, and American Express Blue Business Cash. With that said, if you are a U.S. Bank customer, U.S. Bank Business Platinum is a solid card for using a 0% Intro period as well.
Pros
- 0% Intro APR on purchases and balance transfers for the first 12 billing cycles
Cons
- No rewards
- Penalty APR
Why 5 Stars?
Regular APR
5 Stars
Intro APR
5 Stars
Fees
4 Stars
Perks
4 Stars
Overall
5 Stars
Fees
| Foreign Transaction Fee | None |
| Balance Transfer Fee | Either 3% of the amount of each transfer or $5 minimum, whichever is greater |
| Cash Advance Fee | Either 5% of the amount of each advance or $10 minimum, whichever is greater |
| Penalty APR | 29.99% |
Benefits
| $0 Fraud Liability |
| Auto Rental Collision Damage Waiver |
| Extended Warranty Program |
| Lost Luggage Reimbursement |
| Purchase Protection |
| Roadside Assistance |
| Travel Accident Insurance |
| Travel and Emergency Services |
Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.
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