U.S. Bank Business Platinum Card
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The U.S. Bank Business Platinum Card is a business card for small business owners planning to make a major purchase. It has a lengthy 0% introductory APR period for purchases. It doesn’t offer any rewards and there’s no welcome offer, but it does come in handy if you want to finance a business purchase. We dive into the details and your approval odds in this U.S. Bank Business Platinum Card review.
Our Rating
4.0/5.0
Welcome Offer
None
Annual Fee
$0
0% Intro on Purchases
18 months
Reward Rate
No rewards
0% Intro on Balance Transfers
None
Editorial Review
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | 24/7 customer service |
| Travel Perks | None |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of each foreign transaction |
| Regular APR | 17.49% - 26.49% (V) APR |
| Purchases | 0% Intro APR for 18 months on purchases, then 17.49% - 26.49% (V) APR after that. |
What Credit Score Is Required to Get the U.S. Bank Business Platinum Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 760
Average Approved Credit Score: 775
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 07/14/2021 | Equifax | ||
| Approved | 08/17/2023 | Not Provided |
Pros & Cons
- No annual fee
- 0% intro APR
- No welcome bonus
- No rewards
- Foreign transaction fee
What Are the Best Alternatives?
U.S. Bank Triple Cash Rewards Visa® Business Card
Rating
4.5
Rewards Range
1% - 5% Cash Back
Annual Fee
$0
Ink Business Unlimited® Credit Card
Rating
4.6
Rewards Range
1.5%
Annual Fee
$0
The American Express Blue Business Cash™ Card
Rating
4.6
Rewards Range
1% - 2%
Annual Fee
No annual fee