Our Take
4.4
NerdWallet rating
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.
U.S. Bank Triple Cash Rewards Visa® Business Card
Annual fee
$0
Regular APR
17.99%-26.99% Variable APR
Intro APR
0% intro APR on Purchases and Balance Transfers for 12 billing cycles
Apply now
on U.S. Bank's website
More details from U.S. Bank
- Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 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 Rewards 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.
View Rates & Fees
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
Full Review
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 $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 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 Rewards Center when using your card.
APR:
0% intro APR on Purchases and Balance Transfers for 12 billing cycles, and then the ongoing APR of 17.99%-26.99% 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 Rewards 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 $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 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 17.99%-26.99%
. 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 17.49%-27.49%
. 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.Apply now
on U.S. Bank's website
