2X points2

on all purchases.  No caps or limits on total rewards earned.

2.5X points2

on up to $5,000 in mobile wallet purchases each quarter.

Talk to a Business Card consultant

Our Business Card consultants will explore ways to improve your purchasing power, cash flow, data security and expense management and help you choose the right card for you.

Schedule a consultation

Rewards and benefits to power your business

Enjoy access to free business tools, earn rewards and travel perks.

6X on hotels and car rentals

Hotel and car rentals are 6X more rewarding when booked directly in the Rewards Center.

Earn 75,000 bonus points3

Up to a $750 value6 after spending $10,000 on the Account Owner's card in the first 120 days of opening your account.

Save on foreign transaction fees

Enjoy no foreign transaction fees when making purchases outside the United States.

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Transfer points 

Redeem points sooner when you transfer points4 between your business and personal Altitude credit cards. Plus, redeem points right away or save them for later. Points do not expire as long as the account remains active.7

Pay over time with a U.S. Bank ExtendPay® Plan.5

Receive a new cardmember $0 fee offer on ExtendPay Plans opened in the first 60 days after account opening.

No earning limits

No caps or limits on the total rewards your business can earn. 2X points on all purchases, and 2.5X points on up to $5,000 in mobile wallet purchases each quarter.

Rewards Calculator

See how fast your points add up.

Enter your estimated monthly spend to calculate your potential points. All fields are optional.

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Need more information?

Connect with a banker to better analyze how the Power card or other business cards can improve your cash flow.

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Frequently asked questions

Applying for a U.S. bank business credit card is quick and easy.  In addition to questions about yourself such as your name, address, date of birth, Social Security number and personal income, you’ll be asked questions about your business. It should only take a few minutes to complete your application, but please make sure you have the following business information available before you start. 

Business structure (examples; Sole-Proprietorship, Corporation, Partnership, etc.)

  • Employer Identification Number (EIN)
  • Legal business name
  • Country business was formed in
  • Year business started
  • Business physical mailing address
  • Business gross annual revenue
  • Industry type (you’ll select from a key-word search list) 

Co-owners – Also known as beneficial owners, these are individuals other than potentially yourself who have at least 25% controlling and/or financial interest in the business.  We use this information to verify their identity, but it will not affect their credit.

  • Name
  • Address 
  • Date of Birth
  • Social Security Number

Employee cards – You may be given the option on your application to request cards for additional employees by providing the following information for each.   We use this information to verify their identity, but it will not affect their credit.  You can also easily add or remove employee cards later if you are approved for a business card.  

  • Name
  • Date of birth
  • Social Security Number/ITIN
  • Anticipated monthly spend on the card

It’s easy to redeem your reward points toward merchandise, statement credit, deposit to a qualifying U.S. Bank account, gift cards and travel or redeem instantly with Real-Time Rewards. Point values and redemption minimums may vary over time, and will be disclosed upon redemption.6

Yes. Your U.S. Bank Business Altitude Power Card is eligible to use at the Rewards Center Shopping Deals. The Shopping Deals is the easiest way to earn additional points while shopping online at over 1,100 stores using your U.S. Bank card. Earn points on your credit card and then earn additional points by shopping through the Rewards Center Shopping Deals. 

Log in at usbank.com. Click on Shopping Deals in the Rewards Center and start shopping. By using the Rewards Center Shopping Deals on your Business Altitude Power Card, you will be able to earn more points by shopping online.

Redeem points right away or save them for later. Points do not expire as long as the account remains active.7

Yes. Your Business Altitude Power Card is eligible for Real Time Rewards, a redemption method that allows you to instantly turn your business purchases into rewards. Use your mobile device to redeem points immediately earned on your U.S. Bank card in the form of a credit to your monthly billing statement.

Once enrolled, you can redeem rewards quickly. Use your Business Altitude Power Card to make a purchase. You ll receive a text with the option to redeem points toward that purchase. Reply REDEEM to complete the process.

You must have enough points to cover the entire purchase prior to receiving the text message. Your points will be deducted from your rewards balance and redeemed as a credit to your monthly billing statement. See Program Rules for more details.

U.S. Bank ExtendPay Plans  provide a payment option that allows you to divide eligible credit card purchases into affordable monthly payments with no interest just a fixed monthly fee.

If your credit card account is eligible for an ExtendPay Plan, you’ll receive a notification via email, or you’ll see ExtendPay Plan options when viewing your card account details or eligible transactions online. The only purchases eligible for an ExtendPay Plan are those that were made within 60 days prior to signing up for ExtendPay, are over $100, and are less than your purchase balance when you sign up for ExtendPay.

ExtendPay Plan eligibility may change based on your credit card account activity.

If your business card account is eligible for an ExtendPay Plan, you’ll receive an email notification, or you’ll see ExtendPay Plan options in your account online. Only your company’s Authorized Officers (AO) can enroll in an ExtendPay Plan. If your company’s card program is set up with central billing, ExtendPay-eligible transactions can be selected by the AO when viewing the central billing account (which includes transactions made on employee cards). For companies with individual billing, the AO can only select transactions they made on their own card account.

Please call U.S. Bank 24 Hour Banking at  800-USBANKS (872 2657).

 

Compare business credit card benefits

 

Compare rewards, annual fees and welcome offers for up to three business credit cards.

 

See your options
Start of disclosure content

Disclosures

U.S. Bank offers businesses a comprehensive line of products and services, such as cash flow management, payment processing, remote deposit and much more. To learn more, visit your local U.S. Bank branch to talk with a business banker.

U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

The rate will end early and increase to the APR for purchases and balance transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit.

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated, and the cards are available to United States residents only. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Account must be open and in good standing (not past due or overlimit) to earn and redeem rewards and benefits. Upon approval, refer to your Cardmember Agreement for additional information.

This page may contain links to third-party websites not controlled by U.S. Bank. U.S. Bank is not responsible for the content or any products and services offered, nor does it guarantee the system availability or accuracy of information contained in the site. Please note that the third party site may have terms of use, privacy, and information security policies that differ from those of U.S. Bank.

Offer only available online.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Start of disclosure content

  1. Points are earned on eligible Net Purchases. Net Purchases are Purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, please refer to the materials received with your new card and the Program Rules in the online Rewards Center by logging in to usbank.com for additional information. Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle in order to earn and redeem Points. A purchase will not earn additional Points if the merchant's selected code is in a category that is not eligible for additional Points earning. We do not determine the category codes that merchants choose and reserve the right to determine which purchases qualify for additional Points. Use of the Card is subject to terms and conditions of the U.S. Bank Business Altitude Power Cardmember Agreement, which may be amended from time to time.

  2. U.S. Bank Business Altitude Power Card Cardmembers will earn two (2) "Points" for every $1 in eligible Net Purchases. In addition, as further explained below, you will earn additional Points for the following Net Purchases: You will earn four (4) additional Points (6 points total) for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations purchased in the Rewards Travel Center using your rewards credit card instead of Points. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. Refer to the Rewards Center for full details. You will earn one half (0.5) additional point (2.5 total points) on your first $5,000 in combined eligible Net Purchases made using a mobile wallet. During any calendar quarter in which you spend more than $5,000 combined in purchases using a mobile wallet, you will earn 2 Points for each $1 spent, with no maximum. "Mobile wallet" means Apple Pay®, Samsung Pay, Google Wallet, and Garmin Pay™. Unlike Google Wallet, Google Pay may not qualify as a mobile wallet and earn additional cash back, depending on how the transaction is completed. We cannot control how mobile wallet transactions are designated and reserve the right to determine which Purchases qualify for additional cash back. Please allow 1-2 statement billing cycles for your Points to appear on your credit card statement. Refer to the Rewards Center for full details.

  3. One-time 75,000 bonus points will be awarded if eligible Net Purchases totaling $10,000 or more are made to the Account Owner's Card within 120 days from account opening. The Account Owner's Card is the card assigned to the initial applicant of the account and would not include cards used by authorized employees. Net purchases are purchases minus credits and returns. Rewards are earned based on eligible net purchases. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Please allow 6-8 weeks for your bonus points to be credited to your account. Existing and previous Business Altitude Power accounts do not qualify for bonus points for a similar account type. One-time bonus points do not apply toward account upgrades. Use of the Business Altitude Power Card is subject to terms and conditions of the Business Altitude Power Cardmember Agreement, which may be amended from time to time. This offer may not be combined with any other bonus offer. Subject to credit approval.

  4. Cardmembers may transfer points between the Business Altitude™ Connect Card, the Business Altitude™ Power Card, the Altitude® Go Card and the Altitude® Connect Card. Certain conditions and limitations apply. Complete Reward Program Rules will be provided once you become a cardmember.

  5. From time to time we may offer you the benefit of our U.S. Bank ExtendPay® Plans, which allow you to pay off balances in fixed monthly payments over time and still avoid paying interest charges on new Purchases. Only your company’s Authorized Officer (AO) may enroll in an ExtendPay Plan. All references to "you" and "your" apply to the AO. If your company’s card program is set up with central billing, the AO may select ExtendPay eligible Purchases when viewing the central billing account (which includes Purchases made on employee cards). If your company is set up with individual billing, the AO may only select Purchases made on their own card account. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases and pay in monthly installments with just a small fixed monthly fee. Only Purchase balances are eligible for ExtendPay Plans. Transactions identified as Advances or Balance Transfers (as defined in your Cardmember Agreement), and any interest or fees, including Annual Fee, do not apply. The only Purchases that will appear as "Eligible Purchases" in the enrollment process are Purchases that were made within 60 days prior to signing up for an ExtendPay Plan, are over $100, and are less than your Purchase balance when you sign up for an ExtendPay Plan. Any unpaid balance remaining on an ExtendPay Plan after the chosen pay-back period will be subject to the APR and minimum payment calculation for purchases outlined in the Cardmember Agreement. The monthly fixed fee will be determined when your ExtendPay Plan is created and is provided to you before you complete setting up an ExtendPay Plan. This fee will remain the same until the ExtendPay Plan is paid in full. The monthly fixed fee of the ExtendPay Plan is based upon the original principal amount, Purchase APR, and other factors.

  6. Maximum Point value applies to Points redeemed for a deposit into an eligible U.S. Bank Account. The redemption value may be different if you choose to redeem your Points for other rewards such as travel, merchandise, gift cards, and/or statement credit. Other restrictions apply. Establishment or ownership of a U.S. Bank Account or other relationship with U.S. Bank is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program. Minimum redemption amounts may vary and are subject to change without notice.

  7. IMPORTANT CHANGE: Effective April 14, 2025, any new Points will expire if there is no reward, purchase, or balance activity on your account for 12 consecutive statement cycles. Points earned prior to April 14, 2025 will not be affected.