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The US Bank Business card can work great for a business that spend a lot on gas, office supplies, or cell phone service, as it offers 3% cashback on those categories.
- Credit: Good credit needed
- Step by step guide how on to apply without an LLC or C-Corp
- Not reported on personal credit reports: US Bank will not report business credit cards on personal credit reports
- Credit report: US Bank will usually pull your Experian credit report
- Freeze IDA/ARS: If you frequently apply for credit cards, first freeze your IDA/ARS bureaus before applying for a US Bank credit card
- Combining same-day credit inquiries: Credit inquiries for same-day applications will not be combined
- Check application status: You can check your application status by calling 1 800 947 1444
- Reconsideration: If declined you can call 1 800 685 7680 and ask to speak to the credit card reconsideration department
Approval Monitor (submitted by HelpMeBuildCredit users)
Credit limit range $0-$0
Avg. Credit limit$0
Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.
HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application
- Balance transfer fee: 3% or $5, whichever is greater
- You cannot transfer balances from other credit cards issued by US Bank
- To receive the intro APR offer, transfers must be completed within the first 60 days after account opening
- Loss of Introductory APR: US Bank may end your introductory APR and apply the standard APR or Penalty APR if you make a late payment, make a payment that is returned, or your account exceeds its Credit Limit. Here are the exact terms 1) Make payments 5 calendar days late twice or 30 calendar days late once; or 2) Make a payment that is returned; or 3) If you exceed your Credit Limit 2 times in 12 consecutive months.
Get reimbursed for up to $800 per claim (with a $50 deductible) if your cell phone breaks or gets stolen. To activate coverage, you need to pay your monthly cell phone bill with your U.S. Bank Business Cash credit card. Max $1,000 per year.