US Bank Zero Percent Credit Card Business: What You Need to Know

US Bank offers a zero percent credit card business with a 0% introductory APR for 12 billing cycles. This means you won't pay interest on your purchases for a full year.

The credit limit for this card is up to $25,000, which can be a significant amount of credit for those looking to finance large purchases or consolidate debt. This can be a huge help for those who need to make a big purchase or pay off existing debt.

To qualify for this card, you'll need good credit, which is typically defined as a credit score of 700 or higher. If you have a lower credit score, you may want to consider other options or work on improving your credit before applying.

The regular APR for this card is 14.49% - 25.49% variable, so it's essential to pay off the balance before the introductory period ends to avoid interest charges.

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The US Bank Zero Percent Credit Card Business is a great option for business owners who need to float big investments. It offers an interest-free timeframe to pay off large balances.

You can use this card to help pay for equipment, office furnishings, and computers, among other big-ticket items. Just be sure to make a plan to pay off your card when the 0% intro APR period is up.

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard is one of the top business credit cards for introductory APR offers. It offers a long 0% intro APR period and high rewards.

Here are some key features of the U.S. Bank Business Triple Cash Rewards World Elite Mastercard:

If you're looking for a card with a great welcome offer, consider the Ink Business Cash Credit Card. It's a great option for businesses that want to earn rewards on their purchases.

The U.S. Bank Zero Percent Credit Card Business offers a range of benefits, but let's talk about interest and fees.

The U.S. Bank Visa Platinum Card has an introductory 0% interest offer for new cardholders: 0% intro APR for 18 billing cycles on purchases and balance transfers.

The ongoing APR is 17.74%-28.74% Variable APR, which is higher than the introductory rate. This means that if you don't pay off your balance within the introductory period, you'll be charged interest on the remaining amount.

Here are the key interest and fee details:

Remember, 0% APR business credit cards are best used with care, since the zero-interest period won't last forever. Make a plan to pay off your card when your 0% intro APR period is up so that you don't incur additional debt from high rates of interest.

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Interest and fees can add up quickly, with some credit cards charging as high as 30% interest on outstanding balances.

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High-interest debt can lead to a vicious cycle of debt, making it difficult to pay off the principal amount.

The average credit card interest rate in the US is around 18%, which can translate to thousands of dollars in interest payments over time.

For example, if you have a $2,000 credit card balance with an 18% interest rate, you could end up paying over $1,000 in interest alone.

Paying only the minimum payment on your credit card bill can lead to a longer payoff period and more interest paid overall.

According to our calculations, paying only the minimum payment on a $2,000 credit card balance with an 18% interest rate could take over 10 years to pay off.

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When you're using a 0% APR business credit card, it's essential to think about the return on investment. This means considering whether the benefits of the card outweigh the costs, especially after the intro period ends.

The zero-interest period can give you a significant advantage, especially for big investments like equipment or office furnishings. You can use this time to pay off large balances without incurring extra interest charges.

However, it's crucial to make a plan to pay off the card balance before the 0% APR period expires. This way, you can avoid high interest rates and additional debt.

Many business owners rely on 0% APR cards to help them float big investments, but it's essential to use them with care. By paying off the balance before the intro period ends, you can maximize the benefits of the card.

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The U.S. Bank Visa Platinum Card has an introductory 0% interest offer for new cardholders: 0% intro APR for 18 billing cycles on purchases and balance transfers.

This means you won't pay interest on your purchases and balance transfers for the first 18 billing cycles. However, the ongoing APR is much higher, ranging from 17.74% to 28.74% Variable APR.

If you're planning to carry a balance, you'll want to pay off your card before the 0% intro APR period ends to avoid incurring high interest rates.

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The annual fee is a crucial aspect to consider when choosing a credit card. The U.S. Bank Visa Platinum Card has a $0 annual fee, making it a cost-effective choice.

The U.S. Bank Triple Cash Rewards Visa Business Card also has a $0 annual fee, and it's not alone - the Ink Business Unlimited Credit Card charges the same.

The U.S. Bank Business Platinum Card is another option with no annual fee, making it a straightforward and cost-effective choice.

Here are some credit cards with $0 annual fees:

These cards offer a range of benefits, from extended 0% APR periods to valuable rewards programs.

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard offers a long 0% APR rate that can help you float the cost of large office expenses like furniture and computers.

This card's 0% APR rate can be a lifesaver for businesses with big expenses, allowing you to pay off the cost without incurring interest.

The U.S. Bank Business Platinum Card is also a good option for businesses that need to make balance transfers, offering a 0% APR rate on those transfers for a limited time.

If you're looking for a card with a long 0% APR rate, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard is a great choice, offering a 0% APR rate for a longer period of time compared to other cards.

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard also offers a high rewards rate, making it a great choice for businesses that want to earn rewards on their purchases.

Here are some of the top business credit cards for introductory APR offers, according to Business Insider:

To get the most out of your US Bank 0% APR business credit card, get the card right before making a large purchase you can't pay off all at once.

Timing is everything with these cards. Get the card just before you need to make a big purchase and you'll have more time to pay back the balance.

If you choose a card with a welcome bonus, your large purchase could earn you that bonus in one transaction, making the card even more valuable.

To maximize your 0% APR benefits, consider making a large purchase with your card. This will give you more time to pay back the balance without incurring interest.

By using your US Bank 0% APR business credit card strategically, you can save money and make the most of your rewards.

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The US Bank Zero Percent Credit Card Business offers a range of benefits for cardholders.

You can enjoy 0% introductory APR for 6-18 billing cycles on purchases and balance transfers, giving you time to pay off your balance without incurring interest.

With no annual fee, you can save money on your credit card expenses.

You can also earn rewards and cash back on your purchases, such as 1.5% cash back on eligible purchases.

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The Triple Cash Visa is a great option for business owners. It's a no-annual-fee cash-back credit card that offers a unique rewards structure.

You can earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center. This is a great perk for businesses that travel frequently.

The card also offers 3% cash back on eligible purchases at gas stations and EV charging stations on transactions of $200 or less. This excludes discount stores, supercenters, and wholesale clubs.

Additionally, you'll earn 3% cash back on office supply stores, cell phone service providers, and restaurants. This makes it a solid choice for businesses that spend a lot in these categories.

The card has a 0% intro APR on purchases for the first 12 billing cycles, followed by a variable APR of 17.99% to 26.99%. This can be beneficial for businesses that need to make large purchases.

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To get started, you'll need to spend $6,000 on the Account Owner's card in the first 180 days of opening an account. This will earn you a $750 cash back bonus.

Here's a summary of the card's earning rates:

Overall, the Triple Cash Visa is a solid choice for businesses that want to earn cash back on their purchases.

The American Express Blue Business Cash Card offers a 0% intro APR on purchases for 12 months from account opening on new purchases and then a 17.49% - 25.49% Variable APR. This can be a huge help if you're facing a large expense you can't pay right away.

The U.S. Bank Triple Cash Rewards Visa Business Card also offers a 0% intro APR on purchases for the first 12 billing cycles followed by a variable APR of 17.99% to 26.99%. This can give you some breathing room to pay off your purchases without interest.

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If you're looking for an even longer 0% APR promotion, you might consider the Ink Business Unlimited Credit Card, which offers a 0% introductory APR for 12 months on purchases, then a 17.49% to 23.49% variable APR applies for purchases and balance transfers.

Here's a comparison of the 0% APR promotions offered by these cards:

Keep in mind that these promotions are subject to change, so it's always a good idea to review the terms and conditions before applying for a card.

The U.S. Bank Visa Platinum Card is a great option for those looking for a card with no annual fee. It offers 0% APR for 18 billing cycles on purchases and balance transfers, with an ongoing APR of 17.74%-28.74% Variable APR after that.

The U.S. Bank Visa Platinum Card also has a balance transfer fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater, for balances transferred within 60 days of account opening. After that, the fee is either 5% of the amount of each transfer or $5 minimum, whichever is greater.

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All U.S. Bank business credit cards are available to business owners, including sole proprietors, freelancers, and gig economy workers. They come with zero fraud liability protection, which protects your business from being responsible for unauthorized purchases made on your card.

U.S. Bank business credit cards also allow you to add employee cards at no additional cost, so your employees can make purchases and earn rewards for your business. You can even control where, when, and how your employees use their credit cards by setting card controls by time, place, and/or dollar amount.

The U.S. Bank Triple Cash Rewards Visa Business Card offers 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center, and 3% cash back on eligible purchases at gas stations and EV charging stations on transactions of $200 or less.

The U.S. Bank Triple Cash Rewards Visa Business Card and the Ink Business Unlimited Credit Card both offer a range of perks and benefits that can be super useful for busy business owners.

You'll get primary auto rental collision damage waiver when renting for business purposes with both cards, which can be a huge relief if you're on the road a lot.

The U.S. Bank Triple Cash Rewards Visa Business Card also includes purchase security against theft or damage of eligible items purchased with the card for the first 90 days.

The Ink Business Unlimited Credit Card takes it a step further with purchase protection for up to 120 days for damage or theft, up to $10,000 for each claim and $50,000 per account.

Both cards also offer extended warranty protection, with the U.S. Bank Triple Cash Rewards Visa Business Card covering purchases with warranties of three years or less up to $10,000 per claim for a year, and the Ink Business Unlimited Credit Card doing the same but for a year on purchases with eligible warranties of three years or less.

Roadside dispatch services are also included with the Ink Business Unlimited Credit Card, which can be a lifesaver if you're on the road and need help.

Here's a quick comparison of the insurance protections offered by both cards: