What kind of credit card does my small business need?

April 21, 2021

As you grow your small business, you might be wondering if you need a business credit card. Learn more about the different types of business credit cards, and find out which one is best fit for you.

Just like personal credit cards, business credit cards are designed to help with short-term purchasing needs. When you’re opening your own business, a credit card can help with operating expenses, giving you more flexibility as you grow your operations. But not every business credit card is created equal, so here’s what to look for in features and rewards that fit your business best.

What should I look for when shopping for a business credit card?

The most important thing to consider is whether a card works with your business. Business credit cards offer lots of features and rewards that regular consumer credit cards don’t always have, and each type of card can be leveraged differently. For example, if you buy items from many different vendors, look for a card that gives cash back in multiple categories. Or, perhaps you have multiple employees using the same card — in that case, you’d want one something that has customizable controls.

There are also some general features a good business credit card will have, too. Something with a low APR or a valuable rewards program will save you money in the long run. Little things can make a big difference, so shop smart and choose wisely.

Not sure what kind of card you need? Tell us a little bit about your business, and we’ll recommend a U.S. Bank small business card that will be a good fit.

Not sure what kind of card you need? We have cards to fit a business of any size.

Simple, yet effective: U.S. Bank Business Platinum Card

No annual fee
0% APR for the first 15 billing cycles
Access to our 24/7 domestic servicing center

Special, yet versatile: U.S. Bank Business Leverage Visa® Signature Card

Earn 2X points in the two categories where you spend the most
Employee card controls allow you to set customized spending limits for each employee
Get access to Spend Analysis, and exclusive online U.S. Bank tool that let’s you review spending by quarter, year and individual cards
Eligible for Encore Relationship Rewards

Travel friendly, yet grounded: U.S. Bank Triple Cash Rewards Visa® Signature Card

Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaraunts¹
$100 annual software credit
Unlimited rewards that never expire
No annual fee
Eligible for Encore Relationship Rewards

Encore Relationship Rewards: a U.S. Bank-exclusive program that lets you earn rewards when you make purchases and make payments:

Earn cash back or points with a business credit card
Earn cash back or points on net payment processing volume
Earn up to $2,880 cash back or 240,000 points annually

Learn more about U.S. Bank credit card options and how we can help your business succeed.

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U.S. Bank Triple Cash Rewards Visa® Business Card members may earn three percent (3%) cash back on Net Purchases (purchases minus credit and returns) at restaurants/restaurant delivery, gas stations, office supply stores and cell phone service providers. All other Net Purchases may earn one percent (1%) cash back. Transactions qualify for cash back based on how merchants classify the transaction. U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which Purchases will qualify. Purchases of gasoline greater than $200 will not be deemed to be a purchase of automotive gasoline and as such will earn a reward of 1%. Not all transactions are eligible for cash back, such as Advances, Balance Transfers and Convenience Checks. You may not redeem cash back, and you will immediately lose all of your earned cash back rewards, if your account is closed to future transactions (including, but not limited to, due to Program misuse, fraudulent activities, failure to pay, bankruptcy, or death). Cash back may be redeemed as a statement credit, U.S. Bank Rewards Card, or deposited to your U.S. Bank business checking, savings or money market account. The amount of Rewards that may accumulate for your Account is unlimited. Rewards accumulated are non-expiring, subject to conditions set for herein. Refer to your cardmember agreement for full details.

An automatic statement credit of $100 per 12-month period will be applied to your Account within two (2) statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider. Eligible software service providers are identified by their Merchant Category Code (MCC) and purchases made at discount/retail stores or online retailers may not qualify. We do not determine the category codes that merchants choose and reserve the right to determine which Purchases qualify. We reserve the right to adjust or reverse any portion or all of any software services credit for unauthorized purchases or transaction credits. Account must be in good standing (open and able to use) to receive the credit.

Equal Housing Lender

Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, home equity and credit products are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.