The U.S. Bank is a business credit card from U.S. Bank. Application typically pulls a credit report from TransUnion. The annual fee is $0. The ongoing APR is 17.74% to 26.74% variable APR (terms accurate as of 10/2026) after a 0% intro APR on purchases and on balance transfers made within 60 days of account opening, for the first 12 billing cycles introductory rate for 18 months. Signup bonus: $100 annual software subscription credit. Rewards: 3% cash back on insurance premium payments, up to $4,000 spent annually; 3% cash back at gas stations and electric vehicle charging stations (transactions $200 or less), cell phone service providers, office supply stores and on dining; 1% cash back on all other eligible purchases; $100 credit after 11 consecutive months of eligible software service subscription 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). State Farm insurance company's banking arm. Business Visa credit card.