The U.S. Bank is a business credit card from U.S. Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 17.49% to 26.49% variable APR (terms accurate as of 10/2026) after a 0% intro APR on purchases and on balance transfers made within 30 days of account opening, for the first 12 billing cycles introductory rate for 12 months. Signup bonus: $750 cash back after $6,000 in eligible net purchases on the Account Owner's card within 180 days of account opening. Rewards: 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less), office supply stores, cell phone service providers and restaurants; 1% cash back on all other eligible purchases; 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center; $100 annual statement credit for recurring software subscription expenses (after 11 consecutive months of eligible software purchases). Cash back: 3% on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants; 1% on all other eligible purchases. Loan terms: Revolving business credit card; due date 24-30 days after each billing cycle closes; U.S. Bank ExtendPay Plans (fixed monthly fee instead of interest) offered from time to time. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Application rules: • 5/12 Rule: May deny if 5+ cards opened (any issuer) in past 12 months. Business cards may be exempt. • No repeat welcome bonus if you currently have same card open. Business cards unaffected. • No known velocity limits. Limits total credit — reallocating credit may help with recon. • Personal = usually Experian/TransUnion. Business = TransUnion. • Status & Recon: (800) 947-1444 (press "1" for status). Recon: (800) 947-1444. EXPERT REFERENCE (Nov 2025): Approved for $36,500 on the U.S. Bank Platinum Business Card at 0% interest for 12 months. | EXPERT REFERENCE (Nov 2025): The card does not report to personal credit. | EXPERT REFERENCE (Aug 2025): 0% for 18 months | EXPERT REFERENCE (Aug 2025): $25K–$50K possible with 3 months of high-limit statements