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At a glance

Rewards rates

5%
5% cash back on prepaid air, hotels, and car rentals booked directly in the Travel Center when using your card.

Introductory purchases APR

0% intro on purchases for 12 billing cycles

Ongoing purchases APR

16.49% - 25.49% Variable

Introductory balance transfer APR

0% intro on balance transfers for 12 billing cycles

Ongoing balance transfer APR

16.49% - 25.49% Variable

Ongoing cash advance APR

30.74% Variable

Ongoing penalty APR

29.99% Fixed

Annual fee

$0

Recommended credit

Excellent,Good

More details

  • 0% Intro APR on purchase and balance transfers for 12 billing cycles. After that, a variable APR currently 16.49% - 25.49%.
  • No annual fee.

At a glance

Rewards rates

5%
5% cash back on prepaid air, hotels, and car rentals booked directly in the Travel Center when using your card.

Introductory purchases APR

0% intro on purchases for 12 billing cycles

Ongoing purchases APR

16.49% - 25.49% Variable

Introductory balance transfer APR

0% intro on balance transfers for 12 billing cycles

Ongoing balance transfer APR

16.49% - 25.49% Variable

Ongoing cash advance APR

30.74% Variable

Ongoing penalty APR

29.99% Fixed

Annual fee

$0

Recommended credit

Excellent,Good

More details

  • 0% Intro APR on purchase and balance transfers for 12 billing cycles. After that, a variable APR currently 16.49% - 25.49%.
  • No annual fee.
  • 5% cash back on prepaid air, hotels, and car rentals booked directly in the Travel Center when using your card.
  • $50 annual statement credit after $5,000 in purchases made through the Travel Center when using your card.
  • $0 fee ExtendPay offer annually (3 months).
  • Additional benefits include Extended Warranty, Purchase Protection, Cell Phone Protection, and Auto Rental Collision damage insurance.
  • Terms and conditions apply.
at U.S. Bank's secure site.
Terms & restrictions apply. See rates & fees.

Our take

TPG Editor's Rating
Star 1Star 2Star 3Star 4Star 5
3/5

Overview

The U.S. Bank Business Shield Visa Card offers an intro APR on purchases and balance transfers, making it an ideal tool for business owners who want to manage cash flow and reduce interest charges. With no annual fee, limited travel rewards and access to U.S. Bank Spend Management, this card is a practical, flexible choice for small businesses.

Pros

  • No annual fee
  • 5% cash back on prepaid air, hotels and car rentals booked through the Travel Center
  • 0% intro APR on purchases and balance transfers for 12 billing cycles (afterward, a variable APR of 16.49% to 25.49% applies)
  • U.S. Bank Spend Management platform for business expense tracking
  • Helps save on interest when transferring balances from higher-rate cards
  • Strong purchase and travel protections

Cons

  • Limited rewards outside the Travel Center

Who is this card good for?

Small business owners who want to reduce interest costs on new purchases or existing balances, control spending and monitor employee cards without paying an annual fee.

Earning rewards

Cardmembers earn 5% cash back on prepaid flights, hotels and car rentals booked directly through the U.S. Bank Travel Center, along with a $50 annual statement credit after spending $5,000 in Travel Center purchases.

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Ad disclosure

at U.S. Bank's secure site.
Terms & restrictions apply. See rates & fees.
  • Rewards Rates

    5% cash-back

  • Annual Fee

    $0

  • Regular APR

    16.49% - 25.49% Variable

  • Recommended Credit

    Excellent,Good

at U.S. Bank's secure site.
Terms & restrictions apply. See rates & fees.
Apply now
U.S. Bank Business Shield™ Visa® Card
U.S. Bank Business Shield™ Visa® Card
Apply now
U.S. Bank Business Shield™ Visa® CardU.S. Bank Business Shield™ Visa® Card
Apply now