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Advertiser Disclosure

Although we put in a lot of effort to give our readers unbiased information, and we include many credit card offers on our website for which we do not get paid any compensation, we are legally required to notify you that we may be receiving compensation from some of the credit card companies mentioned on our website.

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U.S. Bank Business Platinum Card

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Intro 0% APR for 18 months on purchases and balance transfers (after that 17.24% to 26.24% variable). The balance transfer fee is 3% or $5, whichever is greater.

Bonus Value

Approximately $0

Annual Fee

$0

Card Rewards

No rewards on all purchases

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: November 7, 2023 | Credit Card Review
Card Overview

The U.S. Bank Business Platinum Card offers 0% APR to help with your business cash flow. Beware of the conditions which can cause you to lose the intro APR, including making a late payment.

Card-Smart Tips & Advice
  • 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 usually pull your Transunion credit report for business cards
  • Credit report: US Bank will usually pull your Experian credit report. They will sometimes pull your Transunion credit report for business cards.
  • 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 usually get combined but not always
  • 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)

53% Approved
786 Avg. Score of those approved
47% Denied
Approved 53% (10)
Denied 47% (9)

Credit limit range $700-$25,000

Avg. Credit limit$11,670

Approved 53% (10)
Denied 47% (9)

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 Terms
  • 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.
Card Details And Benefits
Cell Phone Protection

Get reimbursed for up to $600 per claim (with a $25 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 Platinum credit card. Max $1,200 or 2 claims per year.

Get Started Card not affiliated
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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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