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U.S. Bank Business Edge™ Platinum Card Review

At a Glance
us bank business edge platinum card
3.6 / 5

U.S. Bank Business Edge™ Platinum Card

This offer is no longer available.

  • Sign-Up Bonus: None
  • Rewards: None
  • Benefits: Expense tracking and reporting tools; employee account management suite; Visa SavingsEdge (discounts up to 50%)
  • Intro APR: 0% APR on purchases and balance transfers for 12 months
  • Fees: 2% to 3% foreign transaction fee
  • Annual Fee: $0
  • Credit Needed: Good

Advertiser Disclosure: This post includes references to offers from our partners. We may receive compensation when you click on links to those products. However, the opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.

This offer is no longer available.

The U.S. Bank Business Edge™ Platinum Card isn’t currently on our list of best business credit cards, but that doesn’t mean it doesn’t have a place in your wallet.

Business Edge merges the best features of a low APR credit card with an above average 0% APR introductory promotion that applies to purchases and balance transfers. If you’re a frugal business owner looking for help financing a large purchase or seeking to pay down existing high-interest credit card debt, this card is worth a closer look.

One thing this card isn’t good for: earning rewards. If your top priority is to earn a return on everyday spending, and not just avoid interest charges on balances carried from month to month, check out one of U.S. Bank’s rewards-bearing business credit cards.

Otherwise, read on to learn more about U.S. Bank Business Edge™ Platinum Card’s features, upsides, downsides, and overall suitability.

Key Features

Introductory APR

The U.S. Bank Business Edge™ Platinum Card has a 12-month, 0% APR introductory promotion on purchases and balance transfers. You can make qualifying purchases at any time, but qualifying balance transfers must be executed within the first 60 days. Following the end of the introductory period, the regular purchase and balance transfer APR applies to all balances.

Visa SavingsEdge

Visa SavingsEdge is an exclusive savings network that entitles cardholders to deep discounts on services and merchandise offered by participating national brands. Generally, the better-known the brand, the smaller the discount. On some limited-time promotions, the savings can be eye-popping – I’ve seen up to 50% off from lesser-known vendors. Discounts are applied automatically: All you have to do is enroll your card in Visa SavingsEdge, use it at participating merchants, and wait for the savings to appear on your statement.

U.S. Bank Connect

U.S. Bank Connect is a community forum and content portal by and for small business owners. It’s a great place to find expert advice on starting, managing, and growing your business. Though opportunities for direct financial benefit are limited, the good decisions you make as a result of what you learn here just might pay for themselves.

Account Management and Expense Tracking Tools

This card comes with some useful account management expense tracking tools under the FlexControl banner:

  • Employee Card Controls. These controls let you “manage how, where and when your employees can use their cards.” You can limit card use by geographical area, merchant type (for instance, travel only), time and day of week, dollar amount, transaction type, and more.
  • Choose Your Own Statement Due Date. You can choose the option that best fits your company’s cash flow from multiple statement due dates. You can change your selection at any time.
  • Account Alerts. You can customize account alerts, such as an approaching statement due date or large purchase. This is especially useful for large accounts with multiple authorized users.
  • Auto Pay and Accelerator. You can set up auto pay to avoid missed or late payments. The Accelerator feature allows you to increase your auto pay amount above the minimum and increase the frequency of your payments (weekly versus monthly) to pay off balances faster. This is useful for cardholders who take advantage of the 0% APR introductory financing offer.
  • Expense Tracking and Categorization. You can separate business and personal expenses, assign tags to categorize expenses by spending bucket, and more.

Overdraft Protection for U.S. Bank Deposit Account Holders

If you have a U.S. Bank business deposit account, you have the option to opt into U.S. Bank’s overdraft protection program. When you’re enrolled in overdraft protection, transactions that would normally result in overdrafts and negative balances are instead completed as intended. Then, U.S. Bank draws on your Platinum card’s cash advance line to push your balance back into positive territory.

Depending on your deposit account, you can expect to pay at least $7.50 per day for this feature (though some high-end deposit accounts waive overdraft transfer fees). Transfers immediately begin to accrue interest at your credit card’s cash advance rate, so it’s in your best interest to pay them off as quickly as possible (over and above other types of balances). Also, remember that your cash advance line and spending limit are not identical – the former is likely to be much smaller than the latter.

Credit Required

This card requires good credit.


  1. No Annual Fee. The U.S. Bank Business Edge Platinum Card has no annual fee. Since it doesn’t have a rewards program to lessen the blow, and the 0% APR promotion doesn’t last indefinitely, the lack of an annual fee is key to this card’s competitiveness.
  2. 12-Month, 0% APR Introductory Promotion on Purchases and Balance Transfers. This card’s 0% APR introductory promotion on purchases and balance transfers last 12 months from your account opening date. That’s more than enough time to finance a large up-front purchase or slim down an existing high-interest balance transferred from another credit card account.
  3. Deep Discounts From Visa SavingsEdge. If you’re alert and diligent in your search for deals, you can save hundreds – perhaps thousands – each year simply by spending with Visa SavingsEdge merchants. In limited circumstances, you can slash outlays with specific merchants by up to 50%. Even the “normal” savings range, in the 5% to 10% realm, is more than welcome.
  4. Overdraft Protection for U.S. Bank Deposit Account Holders. If you have a U.S. Bank business deposit account, the opt-in overdraft protection plan can spare you from needless embarrassment (and worse, in the event that an NSF transaction threatens a business relationship or deal).
  5. Ability to Choose Your Own Statement Due Date. This card lets you choose your own statement due date. If cash flow is a perennial issue for your business, this is an important element of flexibility – though it’s not a magic bullet by any means.


  1. No Rewards. The U.S. Bank Business Edge Platinum Card has no rewards program. Don’t bother applying for this card unless you’re okay with not earning a return on spending beyond a break on interest for the first year. If a rewards program is important to you, check out entry-level rewards credit cards like the Blue Business Plus Credit Card from American Express.
  2. No Sign-Up Bonus. There’s no early spend bonus on this card. For an alternative that pays you back as soon as you start spending, look at Capital One Spark Cash Select for Business, a no-annual-fee cash back credit card that earns 1.5% cash back on all purchases and offers a $200 sign-up bonus.
  3. Charges Penalty Interest. This card charges penalty interest. That’s a drawback relative to U.S. Bank’s consumer credit cards, and a serious issue for cardholders blindsided by unexpected expenses or cash flow issues.
  4. Has a Foreign Transaction Fee. This card’s foreign transaction fee adds up to 3% to the cost of overseas swipes and dips. If you regularly leave the United States on business, consider a fee-free alternative, such as Chase Ink Business Preferred.
  5. Limited Value-Added Benefits. Though the U.S. Bank Business Edge Platinum Card has some useful fringe benefits, such as Visa SavingsEdge, its utility for travelers and shoppers is limited. There’s no rental car insurance, price protection, purchase assurance, extended warranties, or other complimentary benefits that can substantially reduce the cost of on-the-road mishaps and shopping mistakes (whether they’re your fault or not).

Final Word

The U.S. Bank Business Edge™ Platinum Card isn’t flashy or complicated. It’s designed for new cardholders who need to finance large purchases without paying sky-high interest rates or transfer existing credit card balances (probably with sky-high interest rates) from other accounts. Due to relatively loose underwriting standards, it’s also useful as an entry-level business credit card for credit-building purposes, but that’s not the main attraction.

us bank business edge platinum card
3.6 / 5

U.S. Bank Business Edge™ Platinum Card

The U.S. Bank Business Edge™ Platinum Card is built for cost-conscious business owners who need to pay down high-interest credit card balances accrued elsewhere or finance large purchases without incurring outsize interest charges. With no sign-up bonus or rewards program, it’s not for those seeking ongoing returns on spending.

Key benefits include no annual fee, a year-long interest-free promotional period for purchases and balance transfers, deep discounts from Visa SavingsEdge, overdraft protection for U.S. Bank deposit account holders, and the ability to choose your own statement due date.

Downsides include no rewards or sign-up bonus, penalty interest charges, foreign transaction fee (up to 3%), and limited value-added benefits.

This card’s main use case is 0% interest financing. For all other activities, better business options exist.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

Brian Martucci
Brian Martucci writes about frugal living, entrepreneurship, and innovative ideas. When he’s not interviewing small business owners or investigating time- and money-saving strategies for Money Crashers readers, he’s probably out exploring a new trail or sampling a novel cuisine. Find him on Twitter @Brian_Martucci.

Comments Disclosure: The below responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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