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 16.49% to 25.49% variable APR (terms accurate as of 10/2026) after a 0% intro APR on purchases and balance transfers for 12 billing cycles introductory rate for 12 months. Approval typically requires a credit score of Good to Excellent credit recommended (The Points Guy) or higher. Rewards: 5% cash back on prepaid air, hotel and car rentals booked directly in the Travel Center; $50 annual statement credit after $5,000 in Travel Center purchases each account year. Cash back: 5% cash back on prepaid air, hotel, and car reservations booked directly in the U.S. Bank Travel Rewards Center. 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). Small-business Visa designed for expense tracking and cash-flow management. 0% intro APR on both purchases and balance transfers for 12 billing cycles, then variable. No annual fee on the card or on employee cards. 5% back applies only to prepaid travel booked inside the U.S. Bank Business Travel Rewards Center — not to general travel spend. Personal guarantee required. Reports to TransUnion business bureau; reports to personal credit only on default. Distinct product from the personal U.S. Bank Shield Visa (id 6485) — different rewards structure, different application path.