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. 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.