Business Platinum Card
Trades a rewards program for the longest 0% intro financing window on this list — the right tool when the goal is interest-free runway on equipment or a big one-time purchase, not points or cash back.
Business Platinum Card at a glance
Issued by U.S. Bank. Terms and rates subject to change — confirm before applying.
The facts
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~18–27%
- Intro APR
- 0% on purchases and balance transfers for up to 21 billing cycles
- Foreign transaction fee
- None
Rewards
No rewards program — built around one of the longest 0% intro APR windows available
Business Platinum Card's annual fee vs. the cheapest and priciest cards on the marketplace
Business Platinum Card vs. similar 0% intro APR
| Criterion | Business Platinum Card | Ink Business Unlimited® | Ink Business Cash® |
|---|---|---|---|
| Annual fee | $0 | $0 | $0 |
| Regular APR | Variable, ~18–27% | Variable, ~18–24% | Variable, ~18–24% |
| Foreign transaction fee | None | 3% | 3% |
| Credit needed | Good/Excellent | Good/Excellent | Good/Excellent |
Same category, side by side — the right pick depends on which of these differences actually matches how your business spends.
Business Platinum Card charges no foreign transaction fee, but that's not universal in its category — some cards with a similar rewards structure add 2.7-3% on every international charge. If you're comparing cards, confirm this line specifically; it's easy to overlook next to the headline rewards rate.
Pros
- +No annual fee
- +Very long intro APR window
- +No foreign transaction fee
Cons
- −No cash back or points at all
- −Only worth it if you actually need the financing runway
Business Platinum Card has no annual fee, requires good/excellent credit, and offers 0% on purchases and balance transfers for up to 21 billing cycles as an intro APR. Compare these against your spending patterns — the fee only makes sense if the rewards exceed it.
Who this card is best for
Financing a large purchase or consolidating debt interest-free rather than earning rewards
We don't have a partnership with U.S. Bank — the link above goes straight to their official page with no tracking or referral code. Rates and offers are set by the issuer and change over time; confirm current terms before applying.