Name: U.S. Bank Business Triple Cash Rewards: A Triple-Threat Cash Back Card - NerdWallet
Item: U.S. Bank Triple Cash Rewards Visa® Business Card

Overview

The bottom line:

The U.S. Bank Triple Cash Rewards Visa® Business Card is a winner with business-friendly bonus categories, a long intro APR period and a generous sign-up bonus.

Credit card details

Annual fee

Regular APR

17.74%-26.74% Variable APR

Intro APR

0% intro APR on Purchases and Balance Transfers for 12 billing cycles

Rewards rate

1%-5%

Cashback

Foreign transaction fee

3% of each foreign transaction

Intro offer

$750

Pros & Cons

Pros

High cash-back bonus rate

No cap on bonus rewards

Intro APR period on purchases and balance transfers

Reports to Dun & Bradstreet

New cardholder bonus offer

Cons

Low rate outside bonus categories

Activity on employee cards does not count toward bonus spending requirement

More details from U.S. Bank

Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
Terms and conditions apply.

Show Less

You get a little bit of everything with the U.S. Bank Triple Cash Rewards Visa® Business Card.

This

cash back business card

comes with a solid welcome offer, a long intro APR period and a high rewards rate on business-friendly bonus categories. It also has a few extra touches, like a $100 statement credit for recurring software subscriptions and up to 5% back on certain travel expenses when booked through U.S. Bank’s travel portal.

If your business’s spending aligns with its bonus categories — gas, office supplies, cell phone service and restaurants — the Triple Cash is a home run, especially as there is no annual fee. If those categories aren’t a fit, or a travel card is what you’re after, you’ll find a better option elsewhere.

Key features

Card type:

Small business

Annual fee: $0.

Recommended credit score: FICO score of 690 or higher.

Sign-up bonus: Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.

Rewards: Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs). Earn 1% cash back on all other eligible purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.

APR: 0% intro APR on Purchases and Balance Transfers for 12 billing cycles, and then the ongoing APR of 17.74%-26.74% Variable APR.

Balance transfer fee: Either 5% of the amount of each transfer or $5 minimum, whichever is greater.

Foreign transaction fee: 3%.

Other benefits:

$100 annual statement credit for recurring software subscriptions.

Why you might want the U.S. Bank Business Triple Cash Rewards card

Business-friendly bonus categories

The Triple Cash Rewards card casts a wide net with its bonus categories, which include gas stations, restaurants, office supply stores, cell phone providers and electric vehicle charging stations. Purchases in these categories earn 3% cash back. You’ll also earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center (a feature that’s become more common on non-travel cards). All other purchases earn 1% back.

» MORE:

Best business gas credit cards

If you’re keen on maximizing bonus categories, you can earn a higher rate on office supplies and telecom expenses with the Chase

Ink Business Cash® Credit Card

which earns 5% in those categories but only 2% on gas and restaurants.

Sizable sign-up bonus

This card’s welcome bonus isn’t the biggest out there (look to the

Chase Ink Business Cards

for that), but it’s nothing to sneeze at either: Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.

Intro APR period

The U.S. Bank Business Triple Cash Rewards card offers a yearlong 0% APR period on purchases and balance transfers (a rare feature for business credit cards). That can help you pay down business debt or finance big purchases interest-free. New cardholders pay no interest on purchases or balance transfers for the first 12 billing cycles. After that, there’s an ongoing variable rate of 17.74%-26.74%. Note: There is a fee for balance transfers: Either 5% of the amount of each transfer or $5 minimum, whichever is greater.

Why you might want a different card

Spending doesn’t align with bonus categories

The Business Triple Cash Rewards card’s base rewards rate (1%) is pretty lackluster. If your spending is all over the place, or simply not in the bonus categories, you may find better value with a flat-rate card.

The American Express Blue Business Cash™ Card

earns 2% back on up to $50,000 in purchases per calendar year (then 1% after that). This card has no annual fee and also offers a 12-month intro APR (terms apply; see

rates and fees

). After that, the APR will be a variable rate of 17.24%-27.24%. But the Blue Business Cash card lacks extra perks, like the $100 statement credit for software subscriptions, and has a meager welcome bonus compared with the Business Triple Cash Rewards card.

Travel perks are a priority

Casual business travelers will appreciate earning 5% back on hotels and rental cars, even if they have to book through U.S. Bank’s travel portal. But serious road warriors will want a proper

business travel card

with all the perks — checked bags, airline credits, TSA pre-check, lounge access and the like.

The Business Platinum Card® from American Express

offers all that and more (albeit for a hefty annual fee). Terms Apply.

🤓

Nerdy Tip

The annual fee on your business credit card is

tax deductible

, provided you use the card exclusively for business purposes.

Should you get the U.S. Bank Business Triple Cash Rewards credit card?

If your business spending aligns with the bonus categories, the U.S. Bank Business Triple Cash Rewards card is almost a no-brainer. You’ll get a welcome bonus, up to 3% cash back (5% on certain travel) and a competitive 0% APR intro period — a true perk with credit card interest rates at a record high as of this writing. And with no annual fee, there’s little downside to carrying this card.

To view rates and fees of The American Express Blue Business Cash™ Card, see

this page