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.

Learn about U.S. Bank

Related content

Growing a business by branching out into new areas

Celebrity Cake Studio’s two decades of growth and success

How entrepreneurs can plan for what matters most

How a family-owned newspaper is serving its community

Community behind Elsa’s House of Sleep

How tenacity brought Taste of Rondo to life

When small business and community work together

How to build and maintain a solid credit history and score

How to build credit as a student

How Gentlemen Cuts helps its community shine

Practical money skills and financial tips for college students

How to choose the right rewards credit card for you

How a travel clothing retailer is staying true to its brand values

Prioritizing payroll during the COVID-19 pandemic

How Lip Esteem is empowering women

Authenticating cardholder data reduce e-commerce fraud

How to use credit cards wisely for a vacation budget

Credit: Do you understand it?

6 common financial mistakes made by dentists (and how to avoid them)

How increased supply chain visibility can combat disruptors

7 uncommon recruiting strategies that you may not have tried yet

Using merchant technology manage limited staffing

What kind of credit card does my small business need?

5 unique ways to take your credit card benefits further

Dear Money Mentor: How do I begin paying off credit card debt?

5 tips to help you land a small business loan

Improving your credit score: Truth and myths revealed

Save time with mobile apps for business finances

Money Moments: How to finance a home addition

Mapping out success for a small-business owner

Managing the rising costs of payment acceptance with service fees

Credit score help: Repairing a bad credit score

The moment I knew I’d made it: The Cheesecakery

Opening a business on a budget during COVID-19

How small businesses are growing sales with online ordering

How a bright idea became a successful business (in Charlotte, North Carolina)

Making the leap from employee to owner

Making a ‘workout’ work out as a business

What’s your financial IQ? Game-night edition

What types of credit scores qualify for a mortgage?

Webinar: Approaching international payment strategies in today’s unpredictable markets.

How to establish your business credit score

8 Ways for small business owners to manage their cash flow

Increase working capital with Commercial Card Optimization

5 reasons why couples may have separate bank accounts

5 tips to use your credit card wisely and steer clear of debt

5 steps to selecting your first credit card

7 steps to keep your personal and business finances separate

How to spot a credit repair scam

Myth vs. truth: What affects your credit score?

Test your loan savvy

Should you give your child a college credit card?

U.S. Bank asks: What do you know about credit?

6 essential credit report terms to know

What applying for store credit card on impulse could mean

What is a good credit score?

How to improve your credit score

Be careful when taking out student loans

Decoding credit: Understanding the 5 C’s

5 tips to use your credit card wisely and steer clear of debt

Webinar: Cash management strategies for higher education

In a digital world, Liberty Puzzles embraces true connection

Digital banking and cloud accounting software: How they work together

How running a business that aligns with core values is paying off

Meet the Milwaukee businessman behind Funky Fresh Spring Rolls

How to identify what technology is needed for your small business

What is needed to apply for an SBA loan

Planning for restaurant startup costs and when to expect them

How iPads can help increase efficiency in your salon

Tools that can streamline staffing and employee management

Business credit card 101

Do I need a credit card for my small business?

How to apply for a business credit card

5 questions business owners need to consider before taking out a loan

How to establish your business credit score

How to accept credit cards online

Honey Luxury Beauté: growing a side project into an eye-catching beauty business

How community gave life to lifestyle boutique Les Sol

How Shampoo’ed is transforming hair and inspiring entrepreneurs

The San Francisco bridal shop that’s been making memories for 30 years

How Al’s Breakfast is bringing people together

How a group fitness studio made the most of online workouts

How Wenonah Canoe is making a boom in business last

How a bar trivia company went digital during COVID-19

The surprising truth about corporate cards

How this photography business persevered through tough times

Community and Coffee: How one small business owner is breaking down barriers

Business risk management for owners of small companies

For small business growth, consider the international market

Webinar: A closer look at U.S. Bank AP Optimizer

Tech tools to keep your restaurant operations running smoothly

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.

Start of disclosure content

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.