U.S. Bank Business Shield Visa Card overview

The U.S. . S. Bank Business ShieldTM Visa® Card is a practical solution for business owners who are interested in financing large purchases instead of getting all the rewards. The card offers an attractive alternative, if it is not charged at all and has a 0% introductory annual percentage rate for 12-18 billing cycles* (then variable APR of 16) with no annual fee. Between 24% and 25 per cent, . It applies 24% . With the trade-off of limited rewards and travel perks that means money flow, it’s best for a business with its cash flow. *****Card Rating* **.

* Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

Former U.S. . S. the U. Business Platinum Card, Bank Business platinum card. A , S. This card is designed to help business owners cope with high costs without paying interest, and has a bank Business Shield Visa Card.

The facts of the U.S. – . S. It’s been independent collection by The Points Guy of Bank Business Platinum. This page has not reviewed or provided the card issuer with any information about their card details, nor had it been submitted.

While the card’s primary strength is its 0% basic APR (APR) for 12-18 billing cycles* (afterward), variable A PR of 16 per cent is still in effect. Between 24% and 25 per cent, . This refresh is more competitive than previously, especially for businesses that book occasional flights or hotels (24 per cent), as it adds travel-focused cash-back rewards and purchase protections to the refresh.

No annual fee is required, but you’ll also not get a traditional welcome bonus or everyday bonus categories. Instead, it is based on interest savings, cash flow management tools and targeted travel perks.

Approved applicants typically have a credit score of at least 670.

*In order to receive a 0% introductory APR offer for 18 billing cycles, you must apply in-branch.

Here’s what you should know about the U.S. Bank Business Shield before applying.

U.S. Bank Business Shield pros and cons

| Pros | Cons |
| — | — |
| * 0% APR offer on purchases and balance transfers for 12-18 billing cycles*, then a variable APR of 16.24% to 25.24% applies * No annual fee * 5% cash back on eligible travel * Built-in purchase and travel protections | * No welcome offer * Limited rewards outside the Travel Center * Long-term value drops after the introductory APR period * Balance transfers carry a 5% fee |

U.S. Bank Business Shield welcome offer

Unfortunately, one of the biggest downsides of the U.S. Bank Business Shield is the lack of a welcome offer.

THE POINTS GUY

Instead, its main incentive is its introductory APR 0% A PR on balance transfers and purchases for 12-18 billing cycles*. Afterwards, an APR of 16 variable A was issued for the . A total of 24 per cent to 25 percentage for . A fourth of s apply – 24%.

In-branch or online, the length of your 0% introductory APR period will depend on how long you apply in-brand and/or what. The use of in-branch will likely give you a longer APR period.

In the first 30 days of account opening, balance transfers are required and all transfers must be 5% transfer fee.

Related: Best business credit cards

U.S. Bank Business Shield benefits

A low-frills card overall, the Business Shield includes several useful benefits, including:

• $50 annual statement credit after making $5,000 in Travel Center purchases
• Business and purchase protections, including extended warranty, purchase protection, cellphone protection and auto rental collision damage insurance.

U.S. also allows cardholders to use the . A , S. Bank Spend Management, a company that tracks and manages business costs, is based on the platform’s monitoring and management system of bank spend management. Among its capabilities are accounting, intuitive expense receipt capture and real-time business analytics.

MASKOT/GETTY IMAGES

Cards with the ability to use the U. Plus, cardholders can also do so. S, meanwhile. Their ability to pay off balances in fixed monthly payments over time without incurring interest is a function known as Bank ExtendPay Plan, which means they can be paid off by the balance of their regular monthly payment. The ExtendPay Plans offer a $0 fee package to new cardholders annually, with three months of ExTENd Pay.

Primary cardholders can also request employee cards at no additional cost.

Related: How to get a business credit card

Earning and redeeming rewards on the U.S. Bank Business Shield

U.S. . A , S. Bank Business Shield 5% cash back on prepaid air, hotel and car rentals booked directly in the U.S for direct use of a pre-paid air ticket or other services that are available to bank business Shie. S, meanwhile. Bank Travel Center when you use your card.

Cash back You have a number of ways to redeem the cash you earn, such as for an account credit or even deposits with U.S. S. bank savings account and through real-time rewards to pay for charges.

Related: How to avoid and reduce credit card interest

Which cards compete with the U.S. Bank Business Shield?

U.S. . S S. Bank Business Shield is a good option for you looking to finance big purchases. Here are some alternatives if you don’t like its features “If it is, for the most part, an option.”

If you want to earn cash back on all purchases**, if you would like to be paid 1**** * ******* Take the phrase 5% cash back on everything you buy.

Ink Business Unlimited® Credit Card

(see

rates and fees

). The card has no annual fee, and you can

convert the cash back into Ultimate Rewards points

if you also have a premium Chase card. To learn more, read our

full review of the Ink Business Unlimited

.

• If you want to earn flexible cash back: Consider the

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

With its 3% cash back on your eligible category of choice and 2% cashback on dining purchases (on the first $50,000 in combined choice category/dining purchases per calendar year, then 1% thereafter) with its $. This card also does not charge a year for this card, as is the case with . Read out our read To learn more, .

full review of the Bank of America Business Advantage Customized Cash Rewards

.

• If you want bonus rewards on common business expenses: The

Ink Business Cash® Credit Card

(see

rates and fees

In many different types, a person earns bonus rewards on his or her (i.e ) as well as other categories and departments. With a premium Chase card, you can convert the cash back you earn on this card into Ultimate Rewards points. paraphrastr, this card is free to use annually. read our review of to learn more.

full review of the Ink Business Cash

.

For additional options, check out our list of no-annual-fee business cards.

Related: How to choose a credit card with 0% APR

Is the U.S. Bank Business Shield worth it?

When you have a priority on financing and not paying an annual fee, then the U.S. will be in charge of that priority. A , S. Should I take a Bank Business Shield? Its long 12-to-18-billing cycle* 0% introductory APR term (afterward, an APM of 16 variable) is known as its first and most important. a of 24% to 25. The best competitors is that it has a 24% (yes) on purchases and balance transfers.

Most companies are better off switching to a rewards-focused card after the initial APR period ends, but as ‘a short-term financing tool’ it does its job well.

We recommend using it for the introductory APR period and then shifting everyday spending to a business rewards card.

Bottom line

U.S. for business owners. S, meanwhile. Bank Business Shield saves interest on both purchases and balance transfers. While it offers limited rewards, this card can help smaller businesses struggling to finance necessary purchases.

Adding this card to your wallet is also an appropriate choice for those who need to manage cash flow and cut interest rates. If you’re on a new 0% APR offer, this card may not be as useful after the first year.

But for new businesses or those needing a helping hand with expenditures, this card is a great tool.

Apply here: U.S. Bank Business Shield

*In order to receive a 0% introductory APR offer for 18 billing cycles, you must apply in-branch.

Thanks for reading US Bank Business Shield review