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

17.49%-26.49% 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

$500

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 $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 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

Credit card comparison

Compare to other cards

U.S. Bank Triple Cash Rewards Visa® Business Card

4.4

NerdWallet rating

Apply now

at U.S. Bank

Ink Business Cash® Credit Card

4.7

NerdWallet rating

read review

Apply now

at Chase

American Express® Business Gold Card

4.2

NerdWallet rating

read review

Apply now

at American Express

Annual fee

$375

Regular APR

17.49%-26.49% Variable APR

Rates & Fees

Regular APR

16.99%-24.99% Variable APR

Rates & Fees

Regular APR

17.99%-28.74% Variable APR

Rates & Fees

Intro APR

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

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

N/A

recommended personal credit

690 850

Good - Excellent

recommended personal credit

690 850

Good - Excellent

recommended personal credit

Good - Excellent

Need more options? Check our picks for best business credit cards of 2025

The U.S. Bank Triple Cash Rewards Visa® Business Card offers a great bonus cash-back rate on office supplies and telecom services. But it's not the highest around. That honor goes to the

Ink Business Cash® Credit Card

. You'll get 5% back for the first $25,000 you spend on those combined items each anniversary year (1% thereafter). Even with that cap, you'll still earn more rewards if those expenses cost you less than $50,000 annually.

Want the most rewards, period? Consider the

American Express® Business Gold Card

. You'll earn 4X on your top two eligible spending categories each month, on the first $150,000 in combined purchases each calendar year (1X thereafter). Terms apply. There are six categories, including U.S. purchases at gas stations and wireless phone providers. This card does have a sizable fee ($375). Also, it earns Membership Rewards® points. Those are worth more if you redeem them for travel. Skip this card if you prefer cash back.

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.

This card is best for:

✔️ Unlimited bonus category cash back.

✔️ Gas, restaurants, office supplies and cell phone services.

✔️ 0% intro APR on balance transfers.

Card details: U.S. Bank Triple Cash Rewards Visa® Business Card

💳 Card type:

Cash-back business card

💲 Annual fee: $0.

💰 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 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 17.49%-26.49% Variable APR.

📍 Minimum credit limit: $1,000.

💷 Foreign transaction fee: 3%.

🎆 Other benefits:

$100 annual statement credit for recurring software subscriptions.

Benefits and perks

Unlimited bonus category cash back

The U.S. Bank Triple Cash Rewards Visa® Business Card casts a wide net with its bonus categories. These include:

Gas stations.
Restaurants.
Office supply stores.
Cell phone providers.
Electric vehicle charging stations.

Eligible purchases earn 3% cash back — with no cap. That's a rare feature among bonus category cash-back cards. If your business spends a lot in these areas, it can reap serious rewards.

You’ll also earn 5% cash back on prepaid hotels and car rentals booked directly in the U.S. Bank Travel Center. All other purchases earn 1% back.

» MORE:

Best business gas credit cards

Solid sign-up bonus

To evaluate and

compare business card sign-up bonuses

, our team looks at the ratio between the potential rewards and spend required to get them. The U.S. Bank Triple Cash Rewards Visa® Business Card is surprisingly generous in that regard.

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

Chase Ink Business Cards

for that). But it’s an excellent value given the spend requirement: 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 Triple Cash Rewards Visa® Business Card offers a long intro 0% APR period on purchases and balance transfers. The latter is rare feature for business credit cards — especially ones with the other benefits this card includes. That's why our editorial team picked it as

our favorite business card for balance transfers

In general, a 0% intro APR 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 17.49%-26.49%.

Note: There is a fee for balance transfers: Either 5% of the amount of each transfer or $5 minimum, whichever is greater.

Drawbacks and alternatives

Must spend in bonus categories to get best rewards

The Business Triple Cash Rewards card’s 1% base rewards rate is lackluster. If your spending is all over the place, or simply not in its 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 16.99%-26.99%.

But the Blue Business Cash card lacks extra perks, like the $100 statement credit for software subscriptions. It also has a meager welcome bonus compared with the Business Triple Cash Rewards card.

True maximizers may find greater values

Even if the U.S. Bank Triple Cash Rewards Visa® Business Card's categories line up with your spending, you might still be able to extract more value from other cards.

For instance, you can earn a higher rate on office supplies and telecom expenses with the

Chase Ink Cash

. It will net you 5% back in those categories, on up to $25,000 in combined spend each anniversary year. It earns less than the Triple Cash on gas and restaurants (2%), with the same cap.

Bank of America customers should strongly consider the

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

. You can choose a category to get 3% cash back on, for up to $50,000 spent each calendar year. Options include gas and EV charging stations. Qualifying for the issuer's Preferred Rewards for Business program can boost that rate to 5.25%.

Minimal travel perks

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.

How we evaluated the U.S. Bank Triple Cash Rewards Visa® Business Card

NerdWallet's business credit card experts compared the U.S. Bank Triple Cash Rewards Visa® Business Card to other cash-back business cards, evaluating how the card's rewards, perks, fees and features stack up to its peers. We also surveyed U.S. Bank, the card's issuer, gathering information about employee cards, spending controls, credit limits and how often cardholders are considered for a credit limit increase. This data, alongside feedback from business owners — solicited directly and gathered via online forums like Reddit — helped inform our review of the U.S. Bank Triple Cash Rewards Visa® Business Card.

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

this page