U.S. Financial institution Enterprise Protect Visa Card overview
The U.S. Bank Business Shield™ Visa® Card is a sensible possibility for enterprise homeowners targeted on financing giant purchases fairly than incomes most rewards. The cardboard is a strong possibility with no annual charge and a 0% introductory annual share charge for 12-18 billing cycles* (then a variable APR of 16.24% to 25.24% applies). It is excellent for a enterprise managing money move with the trade-off of restricted rewards and journey perks. Card Score*: ⭐⭐⭐
*Card rating relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Previously often called the U.S. Financial institution Enterprise Platinum Card, the U.S. Financial institution Enterprise Protect Visa Card is designed to assist enterprise homeowners manage large expenses with out paying curiosity.
The data for the U.S. Financial institution Enterprise Platinum has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Whereas the cardboard’s major power stays its 0% introductory APR for 12-18 billing cycles* (afterward, a variable APR of 16.24% to 25.24% applies), the refresh provides travel-focused cash-back rewards and buy protections, making it extra aggressive than earlier than, particularly for companies that ebook occasional flights or motels.
There is not any annual charge, however you additionally will not discover a conventional welcome bonus or on a regular basis bonus classes. As a substitute, the worth comes from curiosity financial savings, money move administration instruments and focused journey perks.
Permitted candidates usually have a credit score of a minimum of 670.
*With a purpose to obtain a 0% introductory APR supply for 18 billing cycles, you could apply in-branch.
Here is what you need to know in regards to the U.S. Financial institution Enterprise Protect earlier than making use of.
Reward your inbox with the TPG Each day publication
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
U.S. Financial institution Enterprise Protect professionals and cons
| Professionals | Cons |
|---|---|
|
|
U.S. Financial institution Enterprise Protect welcome supply
Sadly, one of many greatest downsides of the U.S. Bank Business Shield is the dearth of a welcome offer.
As a substitute, its major incentive is its introductory APR: 0% APR on stability transfers and purchases for 12-18 billing cycles*. After that, a variable APR of 16.24% to 25.24% applies.
The size of your 0% introductory APR interval will rely upon whether or not you apply in-branch or on-line. Making use of in-branch will possible present an extended APR interval.
Stability transfers should be made throughout the first 30 days of account opening, and all transfers are topic to a 5% switch charge.
Associated: Best business credit cards
U.S. Financial institution Enterprise Protect advantages
A low-frills card total, the Business Shield contains a number of helpful advantages, together with:
- $50 annual assertion credit score after making $5,000 in Journey Heart purchases
- Enterprise and buy protections, together with prolonged guarantee, buy safety, cellphone safety and auto rental collision harm insurance coverage.
Cardholders also can entry the U.S. Financial institution Spend Administration platform, which screens and helps handle enterprise bills. Its options embody accounting, intuitive expense receipt capture and real-time enterprise analytics.
Plus, cardholders have the flexibility to make use of the U.S. Financial institution ExtendPay Plan, to allow them to repay balances in fastened month-to-month funds over time with out incurring curiosity. New cardholders obtain a $0 charge supply on ExtendPay Plans annually, providing three months of ExtendPay.
Major cardholders also can request employee cards at no extra price.
Associated: How to get a business credit card
Incomes and redeeming rewards on the U.S. Financial institution Enterprise Protect
The U.S. Bank Business Shield earns 5% money again on pay as you go air, motels and automobile leases booked instantly within the U.S. Financial institution Journey Heart when utilizing your card.
You may redeem the money again you earn in quite a lot of methods, together with for an announcement credit score, a deposit to a U.S. Financial institution financial savings account and thru real-time rewards to pay for prices.
Associated: How to avoid and reduce credit card interest
Which playing cards compete with the U.S. Financial institution Enterprise Protect?
The U.S. Bank Business Shield is a good alternative in case you’re trying to finance giant purchases. If its options do not attraction to you, listed here are another choices:
For extra choices, take a look at our checklist of no-annual-fee business cards.
Associated: How to choose a credit card with 0% APR
Is the U.S. Financial institution Enterprise Protect value it?
In case your precedence is financing and never paying an annual charge, then the U.S. Bank Business Shield is best for you. Its prolonged 12-to-18-billing cycle* 0% introductory APR time period (afterward, a variable APR of 16.24% to 25.24% applies) on purchases and stability transfers makes it stand out amongst its opponents.
As soon as the introductory APR interval ends, most companies shall be higher off shifting to a rewards-focused card, however as a short-term financing instrument, this card does its job nicely.
We advocate utilizing it for the introductory APR interval after which shifting everyday spending to a business rewards card.
Backside line
For enterprise homeowners, the U.S. Bank Business Shield helps save curiosity on each purchases and stability transfers. Whereas it affords restricted rewards, this card might help smaller companies struggling to finance obligatory purchases.
Including this card to your pockets is sensible for many who have to handle money move and cut back curiosity prices. After the primary yr, this card is probably not as helpful except you are focused for one more 0% APR supply.
However for brand spanking new companies or these needing a serving to hand with expenditures, this card is a good instrument.
Apply right here: U.S. Bank Business Shield
*With a purpose to obtain a 0% introductory APR supply for 18 billing cycles, you could apply in-branch.
Trending Merchandise
