The U.S. Bank Business Shield Visa small_business is a business credit card from U.S. Bank Business Shield Visa. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is Variable, see issuer page 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 670 or higher. Rewards: 5% cash back on prepaid travel booked through the U.S. Bank Travel Rewards Center. Built for cash-flow management with free expense tracking, free employee cards, and integrated reporting tools.. Cash back: 5% cash back on prepaid air, hotel, and car reservations booked directly in the U.S. Bank Travel Rewards Center. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Application rules: Personal guarantee required. Apply via U.S. Bank business banking portal. Existing U.S. Bank business deposit relationship strengthens approval odds.. 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.