U.S. Bank Business Triple Cash Review

The U.S. Bank Triple Cash Rewards Visa® Business Card
is a no-annual-fee card for small business owners with a generous welcome bonus and great bonus categories. It’s a good pick if you prefer earning straight cash back, especially if you can use the $100 annual software credit.

U.S. Bank Business Triple Cash Rewards Overview

If you’re looking for a small-business card that earns rewards in popular bonus categories, the U.S. Bank Triple Cash Rewards Visa® Business Card is a great one to consider.

The U.S. Bank Triple Cash Rewards Visa® Business Card earns 5% cash back on prepaid hotels and car rentals booked through the US Bank Rewards Center, 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants, and 1% cash back on all other eligible purchases. There’s also an annual $100 statement credit for recurring software subscription expenses like FreshBooks or QuickBooks that can come in handy for many business owners.

If you spend a lot in the bonus categories and want a card with no annual fee, the U.S. Bank Triple Cash Rewards Visa® Business Card could be ideal. To make the most of the rewards, your business spending should include purchases made at office supply stores, restaurants, gas stations/EV stations, and cell phone service providers because you’ll earn 3% back on all those eligible purchases. If you don’t spend a lot in these categories, this is essentially a 1% cash-back card and there are better options out there. 

There’s also an annual $100 software credit, which is a nice perk for a no-annual-fee card if you’ll use it for recurring subscriptions like FreshBooks or QuickBooks, which are business software subscriptions to help with receipts, taxes, and invoices. If you use accounting software for your business, getting a $100 discount every year is an added bonus. 

If your business has other expenses, such as appliances, shipping, online advertising, or travel, this isn’t a good card for you because you’ll only earn 1% cash back and other cards offer better rewards for those purchases. 

The U.S. Bank Triple Cash Rewards Visa® Business Card is also a good choice if you want to earn a lucrative cash bonus. The welcome offer is generous and an easy way to get a rebate for your business spending. This card also has 0% intro APR on purchases and balance transfers for 12 billing cycles (then a 17.99% – 26.99% Variable APR), which is rare for a business card. If you need to make purchases for your business, having a 0% APR rate for a long period is a great way to float the cost for a while — just be sure to pay it off before the introductory rate ends to avoid interest. 

Because the card has no annual fee, there’s no ongoing cost to think about, so you could open it and see if it’s worthwhile and rewarding for your business. The U.S. Bank Triple Cash Rewards Visa® Business Card could also be a nice complement to other cards with different bonus categories so you can more easily maximize all your business purchases.

U.S. Bank Business Triple Cash Rewards

Welcome Bonus

This card has a welcome offer of ​​$750 cash back after you spend $6,000 or more on purchases to the Account Owner’s Card within 180 days from account opening. That’s a generous bonus for a card without an annual fee. And even though the spending requirement is rather steep, you have roughly five months to complete it. 

Note that U.S. Bank does not count authorized user purchases toward the minimum requirement, so this spending must be on the account owner’s card.

How to Earn Rewards on the U.S. Bank Triple Cash Rewards Visa® Business Card

The U.S. Bank Triple Cash Rewards Visa® Business Card earns 5% cash back on prepaid hotels and car rentals booked directly through the U.S. Bank Rewards Center, and earn 3% cash back on eligible purchases at: 

• Gas stations and electric vehicle charging stations (purchases of gasoline or electric vehicle charging greater than $200 will not be deemed to be a purchase of automotive fuel and will only earn 1% cash back)
• Office supply stores
• Cellphone service providers
• Restaurants

You’ll earn 1% cash back on all other eligible purchases. 

There are no limits to the rewards you can earn, and rewards never expire as long as your card is open. 

How to Use Rewards on the U.S. Bank Triple Cash Rewards Visa® Business Card

When you’re ready to redeem your rewards, you can log into your online account and request a statement credit, or deposit rewards to a qualifying US Bank account. Note that the minimum to redeem rewards is $25. 

You can also set up Real-Time Rewards and use your points to instantly cover a purchase you’re making with your U.S. Bank Triple Cash Rewards Visa® Business Card via your mobile device. This allows you to use your rewards for a statement credit within seconds of making an eligible purchase.   

You can save your cash rewards for a big purchase, or use them as you go along for statement credits toward eligible purchases. 

U.S. Bank Business Triple Cash Benefits and Features

The main benefit of the U.S. Bank Triple Cash Rewards Visa® Business Card is the bonus categories and welcome bonus, but there are a few other benefits you should know about. 

0% Introductory APR Offer

New U.S. Bank Triple Cash Rewards Visa® Business Card cardholders receive a 0% intro APR on purchases and balance transfers for 12 billing cycles, followed by a 17.99% – 26.99% Variable APR. The 0% introductory APR applies to balance transfers made within 30 days of account opening.

Getting this long of a 0% APR is a great offer on any card, but especially rare for a small-business card. If you’re responsible with the offer, it can be a way to float business spending or acquire new equipment or promotion for your business. To make the most of it, be sure to pay off your balance before the introductory offer expires to avoid interest costs.

$100 Annual Software Credit 

When you use the U.S. Bank Triple Cash Rewards Visa® Business Card to pay for an eligible software service for 11 consecutive calendar months, you’ll get a $100 credit applied to your account once per year. Eligible services are identified based on their merchant code, and FreshBooks and QuickBooks are included. This benefit resets every 12 months.

Access to the Rewards Center Earn Mall

When you shop online and pay with your U.S. Bank Triple Cash Rewards Visa® Business Card at over 1,100 stores, you can earn additional points through the Rewards Center Earn Mall. You can access the portal through online banking. 

Real-Time Rewards

US Bank is unique in that you can instantly redeem your points via text for eligible purchases. You’ll need to enroll in the service. Then, you’ll receive a text when you make a purchase asking if you want to instantly redeem your points. Simply reply with “REDEEM” to complete the redemption. Points will instantly be deducted from your balance. 

U.S. Bank Business Triple Cash Fees and Costs

The U.S. Bank Triple Cash Rewards Visa® Business Card doesn’t have an annual fee but there’s a 3% foreign transaction fee, so it’s not an ideal card to use abroad.

Like most other cards, there are fees for balance transfers, cash advances, and late or returned payments.

U.S. Bank Business Triple Cash Frequently Asked Questions