A solid option for everyday business costs

The U.S. Bank Triple Cash Rewards Visa® Business Card offers 3% rewards on some regular business expenses. Combined with no annual fee and an introductory APR, this card can be a solid choice for small business owners.  

U.S. Bank Triple Cash Rewards Visa Business Card 

Additional benefits

The U.S. Bank Triple Cash Rewards Visa Business doesn’t have the most robust list of benefits, but business owners can get a couple of extra perks:

• $100 annual credit: Get a credit each year for recurring software expenses, such as FreshBooks and QuickBooks. You’ll get the statement credit automatically after 11 months of consecutive purchases of eligible software.

• U.S. Bank Spend Management: Use U.S. Bank’s Spend Management platform to track spending and receipts, see analytics, and find other expense management tools.

How to earn rewards

You’ll earn rewards with this card by using it for your business expenses.

To start, earn 3% cash back on the following purchases:

You’ll also get 5% cash back on prepaid hotels and car rentals booked through the U.S. Bank Travel Center. All other purchases earn an unlimited 1% cash back, including gas station or EV charging purchase totals over $200. Gas or EV charging purchases at superstores and wholesale clubs do not count for bonus rewards either, and will earn 1%.

As a new cardholder, don’t forget about the cash back you can earn with this card’s welcome bonus. You’ll need to spend $6,000 within the first 180 days, but you’ll get $750 cash back — a great bonus for a no annual fee card.

The purchases you make toward the welcome bonus must be on the account owner’s card, but otherwise, you can also earn rewards on employee cards. Additional employee cards are free and earn the same bonus rewards as your card.

How to redeem rewards

The U.S. Bank Triple Cash Rewards Visa Business Card earns cash back. You can choose to receive your cash rewards as a statement credit on your account or have it deposited into your U.S. Bank account.

Minimum redemption amounts can vary for cardholders. However, you can also choose to redeem via Real-Time Rewards. Instead of waiting to redeem, get cash rewards for each purchase as a statement credit immediately.

Cash back doesn’t expire as long as your account is active. If there’s no activity (rewards, purchases, etc.) on your account for 12 consecutive billing cycles, your rewards could expire. 

Who is the U.S. Bank Triple Cash Rewards Visa Business Card best for?

This is a straightforward cash-back card that makes it easy to maximize your most frequent business expenses.

The best way to decide if it’s the right card for you is by looking back at your spending history. If a significant portion of your monthly budget goes toward office supply stores, cell phone providers, restaurants, and gas or EV charging stations, you’ll get a lot of value from this card.

When you’re comparing your gas expenses, pay attention to the total you’re spending. You’ll only earn the full 3% rewards on gas station and EV charging station purchases of $200 or less. If you consistently spend more than this, you may want to look for another gas card without a purchase cap. The 3% bonus rate also excluded gas and EV charging purchases made at superstores and wholesale clubs, which means you won’t see as much benefit if you typically fuel up at places like Walmart or Costco.

This card is also a good option for business owners looking to make a large upcoming purchase or pay down debt. You can take advantage of the introductory 0% APR on both purchases and balance transfers as a new cardholder and continue earning rewards on spending during the intro period.

Finally, make sure you’re able to earn the welcome bonus before you apply. This card’s $750 welcome bonus can be a huge boost to your first-year cash-back earnings — if the $6,000 minimum spend within 180 days is within your regular business budget.

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

• No annual fee: There’s no annual fee to use this card, and employee cards are free as well.

• Cash back: Earn up to 3% cash-back rewards across a range of everyday expenses, from gas and EV charging to office supply stores, cell phone service providers, and restaurants.

• 0% introductory APR offer: When you open your card account, you’ll get 0% APR on new purchases and balance transfers over the intro period. After that, any remaining balance will accrue interest at the card’s variable APR.

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

• Few annual benefits: Aside from the annual credit for software expenses, you won’t get many valuable benefits from this card.

• Travel rewards only via U.S. Bank portal: This isn’t a travel credit card, but it does offer up to 5% cash back on select prepaid travel. However, that bonus only applies to prepaid hotels and car rentals, and you must book through the U.S. Bank Travel Center.

Where can you use the U.S. Bank Triple Cash Rewards Visa Business Card?

This card is a Visa card — one of the most widely accepted credit card networks globally. You can use it with any retailer that accepts Visa worldwide. 

But although you can use this card abroad, it’s probably not your best option. You’ll pay a 3% foreign transaction fee on any international purchases. If you travel often for business, look for a card with no foreign transaction fees to save on every purchase you make outside the U.S. 

How to make a U.S. Bank Triple Cash Rewards Visa Business Card payment

You can pay off your U.S. Bank credit card through your online account or the issuer’s mobile app. After you log in, you can choose “Transfer & pay” and then “Pay bills.” From there, select the credit card bill you’d like to pay, the payment date, and the checking or savings account you want to use to make your payment.

U.S. Bank Triple Cash Rewards Visa Business Card customer service info

• Customer service is available 24/7

• Phone number: 866-485-4545 or call the number on the back of your card

• Online: Navigate to “Need help?” online after you log in or “Help & services” in the mobile app

• You can also visit a U.S. Bank branch during business hours

• U.S. Bank login page

Alternative cards to consider

The U.S. Bank Triple Cash Rewards Visa Business Card offers 3% cash back on select everyday categories, but it may not fit every small business budget. Here are more of our favorite cash-back business cards to consider:

Capital One Spark Cash Plus

Why we like it: While this cash-back card does have an annual fee, you can more than offset the cost with rewards. Instead of categories, the Capital One Spark Cash Plus offers a flat 2% cash back on every purchase with no spending limits. If your business spends at least $150,000 per year, you’ll benefit even more by getting the annual fee waived. There are not many other benefits to this card, but it is a great catch-all option for maximizing rewards on every purchase at 2%. 

Ink Business Unlimited® Credit Card

Why we like it: This no-annual-fee card from Chase has a fantastic welcome bonus and also offers an introductory 0% APR for a limited time after account opening. Long-term, you can earn 1.5% cash back on every purchase, without any limits or categories to track. Plus, the Ink Business Unlimited comes with some great travel and purchase protections that can save you even more if you need them.

The American Express Blue Business Cash™ Card

Why we like it: Amex’s Blue Business Cash charges no annual fee and is a good option for business owners with moderate annual expenses. With this card, you’ll earn 2% cash back on every purchase, but only up to the first $50,000 you spend each calendar year. After that, you’ll earn just 1% back on every purchase. If you spend less than about $4,100 per month, you can get the benefits of a 2% cash-back business card without the annual fee those cards often charge. The Blue Business Cash Card’s 0% APR on new purchases can also be useful for a large, one-time expense you may need to make for your business.

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