The U.S. Bank Triple Cash Rewards Visa® Business Credit Card is a no annual fee business card that offers a $100 recurring software credit and 3% cash back at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants.
This credit card review will cover everything you need to know about this card to determine if you should add this card or a different card to your wallet. Let's dive right in.
- Earn $750 after spending $6,000 on the Account Owner’s card in the first 180 days.
- 5% Cash Back on Prepaid Hotels and Car Rentals via the U.S. Bank Travel Rewards Center
- 3% Cash Back at Gas and EV Charging Stations, Office Supply Stores, Cell Phone Service, and Restaurants
- 1% Cash Back on All Other Purchases.
- $100 Annual Software Credit for Recurring Subscription
- No Annual Fee
Welcome Bonus of the Business Triple Cash
The Triple Cash Rewards Business currently offers the following welcome bonus:
Earn $750 after spending $6,000 on the Account Owner’s card in the first 180 days.
Earning Rewards
The Triple Cash Rewards Business earns rewards are the following rates:
- 5% back on prepaid hotels and car rentals booked directly in the Travel Rewards Center;
- 3% cash back at cell phone service providers;
- 3% back at gas stations and EV charging stations;
- 3% back at restaurants;
- 3% back at office supply stores
- 1% cash back when you make other eligible net purchases.
Annual Fee
The Business Triple Cash Card has no annual fee, and you can add additional employee cards for no extra fee.
Benefits of the Business Triple Cash
The Business Triple Cash Card offers the following benefits:
Software Credit: Earn a $100 annual Software credit after using this card to make 11 consecutive months of eligible software service purchases.
Intro APR: Enjoy a 0% intro APR on purchases and balance transfers for 15 months, then 19.24% to 28.24%.
Redeeming Rewards
Cash back is about as simple as rewards get, and that's the appeal here. You earn a flat rate on every purchase, and you can redeem it in several ways.
Your main options are a statement credit, a deposit into a U.S. Bank checking, savings, or money market account, or a transfer to a U.S. Bank Rewards Card. There's no cap on how much cash back you can earn, and it won't expire as long as your account stays active.
You can also link your card to Amazon or PayPal and use your balance to pay for purchases directly at checkout.
If you want your rewards applied automatically, sign up for U.S. Bank's Real-Time Rewards through the mobile app. Here's how it works:
- You set a minimum redemption amount.
- You get a text alert when you make an eligible purchase.
- You reply to that text to redeem your cash back on the spot.
This makes it easy to offset spending without logging in or tracking a balance manually.
One thing worth flagging: cash back doesn't offer the same upside as transferable points. You won't be able to stretch its value through airline or hotel transfers the way you can with a points-earning business card. If straightforward cash back fits how you run your business, this card delivers on that front.
Keep in mind that unused rewards expire after 12 months without a purchase on the card. A single transaction each year keeps that balance safe.
Pros and Cons
Pros
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Nice welcome bonus
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Interest-free period for 15 months
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No annual fee
Cons
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Has foreign transaction fees
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Lack of travel and purchase protections
Is The Business Triple Cash Worth It?
The Triple Cash Rewards Business is an decent choice for small business owners who are seeking a credit card that offers both flexibility and value.
This no-annual-fee card has an impressive rewards program, which lets you earn up to 3% cashback on common business expenses such as office supplies, gas, and phone bills.
Additionally, the card offers a range of redemption options, giving you the flexibility on how you want to use your cashback rewards. You can redeem them for statement credits, rewards card transfers, or even direct deposits to your bank account.
Perhaps the most significant advantage of this card is its lengthy 0% intro APR of 15 months. This feature allows businesses to make large purchases or refinance existing debt without incurring any interest charges, providing much-needed breathing room for cash flow management.
