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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
U.S. Bank Business Shield Visa Card review: Perfect for financing large business expenses
Credit card writer Danyal Ahmed is an avid traveler, averaging about 100,000 aeronautical miles per year. He regularly applies that knowledge and his expertise in credit cards to his role as a credit card writer at TPG.
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
also contributed to this story
February 4, 2026 • 7 min read
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The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
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Quick summary
A business card focused on financing large purchases offers a lengthy 0% introductory APR period for purchases and balance transfers, making it appealing for managing cash flow.
The card provides limited rewards, mainly 5% cash back on select travel bookings through a dedicated travel portal, and includes purchase and travel protections.
No annual fee is charged, but there is no traditional welcome bonus or everyday bonus categories.
Additional features include expense management tools, a statement credit for travel spending, and the ability to add employee cards at no extra cost.
What to consider
The 0% introductory APR period ranges from 12 to 18 billing cycles, with the longest term available only through in-branch applications.
Balance transfers must be completed within 30 days of account opening and incur a 5% transfer fee.
Long-term value decreases after the introductory APR period, as ongoing rewards are limited outside the travel portal.
What you'll miss from the article
A detailed comparison of how this card stacks up against other business cards focused on cash back, flexible rewards or bonus categories.
Generated by AI with support from our editorial team.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
The is a practical option for business owners focused on financing large purchases rather than earning maximum rewards. The card is a solid option with no annual fee and a 0% introductory annual percentage rate for 12-18 billing cycles* (then a variable APR of 16.24% to 25.24% applies). It's ideal for a business managing cash flow with the trade-off of limited rewards and travel perks. Card Rating*: ⭐⭐⭐
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
Formerly known as the U.S. Bank Business Platinum Card, the U.S. Bank Business Shield Visa Card is designed to help business owners manage large expenses without paying interest.
The information for the U.S. Bank Business Platinum has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
While the card's primary strength remains its 0% introductory APR for 12-18 billing cycles* (afterward, a variable APR of 16.24% to 25.24% applies), the refresh adds travel-focused cash-back rewards and purchase protections, making it more competitive than before, especially for businesses that book occasional flights or hotels.
There’s no annual fee, but you also won’t find a traditional welcome bonus or everyday bonus categories. Instead, the value comes from interest savings, cash flow management tools and targeted travel perks.
Approved applicants typically have a credit score of at least 670.
*In order to receive a 0% introductory APR offer for 18 billing cycles, you must apply in-branch.
Here's what you should know about the U.S. Bank Business Shield before applying.
U.S. Bank Business Shield pros and cons
Pros
Cons
0% APR offer on purchases and balance transfers for 12-18 billing cycles*, then a variable APR of 16.24% to 25.24% applies
No annual fee
5% cash back on eligible travel
Built-in purchase and travel protections
No welcome offer
Limited rewards outside the Travel Center
Long-term value drops after the introductory APR period
Balance transfers carry a 5% fee
U.S. Bank Business Shield welcome offer
Unfortunately, one of the biggest downsides of the is the lack of a welcome offer.
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Instead, its primary incentive is its introductory APR: 0% APR on balance transfers and purchases for 12-18 billing cycles*. After that, a variable APR of 16.24% to 25.24% applies.
The length of your 0% introductory APR period will depend on whether you apply in-branch or online. Applying in-branch will likely provide a longer APR period.
Balance transfers must be made within the first 30 days of account opening, and all transfers are subject to a 5% transfer fee.
A low-frills card overall, the includes several useful benefits, including:
$50 annual statement credit after making $5,000 in Travel Center purchases
Business and purchase protections, including extended warranty, purchase protection, cellphone protection and auto rental collision damage insurance.
Cardholders can also access the U.S. Bank Spend Management platform, which monitors and helps manage business expenses. Its features include accounting, intuitive expense receipt capture and real-time business analytics.
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Plus, cardholders have the ability to use the U.S. Bank ExtendPay Plan, so they can pay off balances in fixed monthly payments over time without incurring interest. New cardholders receive a $0 fee offer on ExtendPay Plans each year, offering three months of ExtendPay.
Primary cardholders can also request employee cards at no additional cost.
Earning and redeeming rewards on the U.S. Bank Business Shield
The earns 5% cash back on prepaid air, hotels and car rentals booked directly in the U.S. Bank Travel Center when using your card.
You can redeem the cash back you earn in a variety of ways, including for a statement credit, a deposit to a U.S. Bank savings account and through real-time rewards to pay for charges.
If you want to earn flexible cash back: Consider the with its 3% cash back on your eligible category of choice and 2% cash back on dining purchases (on the first $50,000 in combined choice category/dining purchases each calendar year, then 1% thereafter). This card also has no annual fee. To learn more, read our full review of the Bank of America Business Advantage Customized Cash Rewards.
If you want bonus rewards on common business expenses: The (see rates and fees) earns bonus rewards on a variety of categories. You can convert the cash back you earn on this card into Ultimate Rewards points if you also have a premium Chase card. This card comes with no annual fee. To learn more, read our full review of the Ink Business Cash.
If your priority is financing and not paying an annual fee, then the is right for you. Its lengthy 12-to-18-billing cycle* 0% introductory APR term (afterward, a variable APR of 16.24% to 25.24% applies)on purchases and balance transfers makes it stand out among its competitors.
Once the introductory APR period ends, most businesses will be better off shifting to a rewards-focused card, but as a short-term financing tool, this card does its job well.
For business owners, the helps save interest on both purchases and balance transfers. While it offers limited rewards, this card can help smaller businesses struggling to finance necessary purchases.
Adding this card to your wallet makes sense for those who need to manage cash flow and reduce interest costs. After the first year, this card may not be as useful unless you're targeted for another 0% APR offer.
But for new businesses or those needing a helping hand with expenditures, this card is a great tool.
*In order to receive a 0% introductory APR offer for 18 billing cycles, you must apply in-branch.
