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The U.S. Bank Business Shield™ Visa® Card is a 0% APR card with no annual fee. If you're a business owner who wants to lower interest charges, you can use this card to transfer an existing debt balance or finance new purchases. The tradeoff? You'll get little long-term rewards value.
This card's primary benefit is its 0% introductory APR for purchases and balance transfers, but there are a few more perks for longer-term value:
$50 annual statement credit: Spend at least $5,000 each account anniversary year on travel booked through the U.S. Bank Travel Center, and you can earn a $50 statement credit to your account.
U.S. Bank Spend Management: Access U.S. Bank's platform for business owners. You can monitor and track spending across your account (including employee cards), integrate your card account with your accounting software, set permissions and spending limits, and more.
Purchase Security: Protect your eligible purchases against damage or theft for the first 90 days. This covers repairs, replacement, or reimbursement up to the purchase price with a $10,000 maximum per claim and $50,000 maximum per cardholder.
This card is primarily a 0% APR card, so you won't earn many rewards.
Still, you can get 5% cash back on prepaid airfare, hotel bookings, and car rentals booked through the U.S. Bank Travel Center. If you spend $5,000 annually through the Travel Center — enough to earn the $50 annual statement credit — you could get up to $250 cash back. Combined with the $50 statement credit, that's significant savings. However, you'll need to be willing to book all of your business travel through the portal.
You can redeem your cash back rewards as a statement credit to your account or for a deposit into a U.S. Bank savings, checking, or money market account.
Minimum redemption amounts may vary, but you can also use Real-Time Rewards to redeem cash back toward a specific eligible purchase.
Your points won't expire as long as your account remains active. To keep your account active, you should have rewards, a balance, or purchase activity at least once every 12 billing cycles.
The U.S. Bank Business Shield card is best for business owners seeking a 0% APR introductory period.
You can use the 0% APR on balance transfers if you have debt you want to pay off without interest. Transfer your debt within 30 days of opening your account, and be prepared to pay a balance transfer fee equal to 5% of the amount you transfer or $5, whichever is greater.
The 0% APR on purchases, on the other hand, can be helpful for financing a large purchase you have coming up or for floating your expenses over the intro period without interest.
If you take advantage of either 0% APR offer, make sure you have a plan to pay down your balance by the time the intro period ends. Any amount you have left to pay after that will start accruing interest at your card's regular ongoing APR.
