U.S. Bank Triple Cash Rewards Visa® Business Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Intro purchase APR
- 0% for 15 months
At a glance
The U.S. Bank Triple Cash Rewards Visa® Business Card offers a decent cash back sign-up bonus, up to 3% back on eligible purchases, and two 0% intro APR periods, all for no annual fee.
Our review of the U.S. Bank Triple Cash Rewards Visa® Business Card
The U.S. Bank Triple Cash Rewards Visa® Business Card is a top-tier cash back rewards business card that offers exceptional benefits without an annual fee. From impressive earning rates to statement credits, this card is perfect for businesses of all sizes, especially small businesses looking for streamlined rewards in key categories
Who Can Benefit from the Triple Cash Business Card?
The Triple Cash Rewards Visa® is an ideal choice for businesses of all sizes, but small businesses seeking generous cash back in essential categories will benefit the most. With expansive triple cash back categories, intro APR on purchases, and no hidden fees, this card provides significant value for businesses looking to maximize their rewards.
Application Information
When applying for the U.S. Bank business credit cards, you will need to provide personal information such as name, address, date of birth, Social Security number/ITIN, and personal income. Business information including business structure, Employer Identification Number (EIN), legal business name, and more will also be required. Additionally, information about co-owners and employee cards may need to be provided.
Introductory APR Benefits
In addition to no annual fee, the U.S. Bank Triple Cash Rewards Visa® Business Card offers two promotional 0% intro APR periods for purchases and balance transfers. New accounts can enjoy 15 billing cycles of no interest on qualifying purchases and balance transfers made within the first 30 days of account opening.
Software Statement Credit
Another standout feature of the U.S. Bank Triple Cash Rewards Visa is the annual $100 statement credit for recurring software subscription expenses. This credit is automatically applied to the account after 11 consecutive months of eligible software service purchases made directly with a software service provider.
Welcome Offer
New accounts can earn $500 cash back after spending $4,500 on qualifying purchases within the first 150 days of opening the account.
Earn Up to 3% Cash Back
The Triple Cash Rewards Card earns 3% cash back on select categories including gas stations, office supply stores, cell phone service providers, and restaurants. All other purchases earn an unlimited 1% cash back.
Earn Additional Rewards with the U.S. Bank Rewards Center Earn Mall
Businesses can also earn additional points by shopping online at over 1,100 stores using the U.S. Bank business credit card through the Rewards Center Earn Mall.
How to Redeem Rewards
Redeeming rewards with U.S. Bank is simple and offers a variety of redemption options including merchandise, gift cards, cash back, and travel. Rewards can be claimed with a minimum of $25 in cash back rewards.
U.S. Bank Benefits
The U.S. Bank Triple Cash Rewards Visa® offers several notable features including 24/7 customer service, EMV chip technology, free TransUnion credit score access, FlexControl™ budgeting tools, and no penalty APR.
Visa® Business Benefits
Additional benefits of the card include zero fraud liability, roadside dispatch, purchase and extended protection, lost/stolen card reporting, emergency card replacement, auto rental collision damage waiver, and travel and emergency assistance services.
Comparison
Here is a comparison of the U.S. Bank Triple Cash Rewards Visa® Card with other popular business credit cards:
| Card | Annual Fee | Foreign Transaction Fee | Rewards |
|---|---|---|---|
| U.S. Bank Triple Cash Rewards Visa® Card | None | 3% | Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers, and restaurants, and 1% back on all else |
| Divvy Corporate Card | None | See terms | Earn up to 7X on dining purchases, up to 5X on hotels, up to 2X on recurring software subscriptions, and up to 1.5X on all other purchases |
| Ink Business Cash® | None | 3% | Earn 3X on travel, shipping, internet, cable and phone services, and advertising purchases made with social media sites and search engines on the first $150,000 in combined purchases each account anniversary |
What We Like About the Card
- Impressive rewards with 3% cash back on select categories.
- No annual fee and free employee cards for unlimited cash back potential.
Things to Consider
- Foreign transaction fee of 3% on each foreign transaction in U.S. dollars.
Expert reviews for U.S. Bank and its credit card products include:
Should You Apply for the U.S. Bank Triple Cash Rewards Visa® Business Card?
Overall, the U.S. Bank Triple Cash Rewards Visa® Business Card is an excellent choice for small businesses looking for substantial perks without an annual fee. With generous rewards, introductory APR periods, and valuable benefits, this card offers plenty of value for businesses of all sizes. Consider this card if you want to maximize your cash back rewards and enjoy a range of business tools and offers.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account Introducing the U.S. Bank Business Triple Cash Rewards, the card that gives back on all your eligible business needs
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants 1% cash back on all other eligible net purchases
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- No limit on total cash back earned
- Rewards never expire
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 15.49% to 24.49%
- No annual fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Who this card may suit
- You own a small business and want to invest in its infrastructure or software
- You have an existing credit card balance you want to pay down at a lower rate
- You spend frequently on categories like gas stations, dining, or office supplies
- You do't want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 15 months |
| Regular Purchase APR | 19.24% to 28.24% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 15 months for balances transferred within 30 days from account opening. |
| Balance Transfer APR | 19.24% to 28.24% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either 3% of the amount of each transfer or $5 minimum, whichever is greater |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either 5% of the amount of each advance or $10 minimum, whichever is greater |
| Foreign Transaction Fee | 3% of each foreign transaction in U.S. dollars |
| Penalty APR | 29.99% |
| Late Payment Penalty Fee | $40 |
| Return Payment Penalty Fee | $40 |
| Over Limit Penalty Fee | $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
Apply Now for U.S. Bank Triple Cash Rewards Visa® Business Card (opens in a new tab)View issuer terms for U.S. Bank Triple Cash Rewards Visa® Business Card (opens in a new tab)
U.S. Bank Triple Cash Rewards Visa® Business Card
Apply Now for U.S. Bank Triple Cash Rewards Visa® Business Card (opens in a new tab)You will leave this site for the issuer’s page. Confirm current terms there.
Similar cards
Chase Freedom Unlimited®
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth…
- Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards…
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Intro APR
- 0% for 15 months from account opening date
Discover it® Chrome Gas & Restaurants
- 2% cash back at gas stations and restaurants on up to $1,000 per quarter
- 1% cash back on all other purchases
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Intro APR
- 0% for 15 months from date of account opening
Blue Cash Preferred® Card from American Express
- Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Annual fee
- $0 for the first year. Then $95
- Recommended credit
- Excellent / Good
- Intro APR
- 0% for 12 months from account opening date