The U.S. Bank Triple Cash Rewards Visa® Business Card is a great option for small business owners looking to earn cash back on their everyday expenses. With a 3% rewards rate on select business purchases and no annual fee, this card offers a solid value proposition.
U.S. Bank Triple Cash Rewards Visa Business Card
- Annual fee: $0
- Welcome offer: Earn $750 cash back after spending $6,000 within the first 180 days
- Introductory Purchases APR: 0% intro on purchases for 12 billing cycles
- Ongoing Purchases APR: 17.24% – 26.24% Variable
- Introductory Balance Transfer APR: 0% intro on balance transfers for 12 billing cycles
- Ongoing Balance Transfer APR: 17.24% – 26.24% Variable
Rewards Rate
- 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- 3% cash back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants
- 1% cash back on all other purchases
Benefits
- Earn up to $100 annual credit for recurring software subscription expenses
- 0% introductory APR for financing large purchases
Pros
- No annual fee
- Cash-back rewards
- Introductory 0% APR on purchases and balance transfers
Cons
- Not many added benefits
- Travel rewards only apply to U.S. Bank Travel Center
Additional Benefits
The U.S. Bank Triple Cash Rewards Visa Business Card offers a $100 annual credit for recurring software expenses like FreshBooks or QuickBooks. Additionally, you can utilize U.S. Bank’s Spend Management platform to track spending, manage receipts, and access analytics for better expense management.
How to Earn Rewards
To earn rewards with this card, simply use it for your business expenses. Earn 3% cash back on gas, EV charging stations, office supply stores, cell phone providers, and restaurants. You’ll also receive 5% cash back on prepaid hotels and car rentals booked through the U.S. Bank Travel Center.
As a new cardholder, you can earn a $750 cash back welcome bonus by spending $6,000 within the first 180 days. Employee cards also earn bonus rewards and are free of charge.
How to Redeem Rewards
Cash back earned with the U.S. Bank Triple Cash Rewards Visa Business Card can be redeemed as a statement credit on your account or deposited into your U.S. Bank account. You can also opt for Real-Time Rewards for immediate cash back on each purchase.
Who is the U.S. Bank Triple Cash Rewards Visa Business Card Best For?
This card is ideal for business owners who frequently spend on office supplies, cell phone services, restaurants, and gas or EV charging stations. It’s also a good choice for making large purchases or paying down debt with the introductory 0% APR offer.
Alternative Cards to Consider
If the U.S. Bank Triple Cash Rewards Visa Business Card doesn’t fit your business needs, consider other options like the Capital One Spark Cash Plus, Ink Business Unlimited® Credit Card, or The American Express Blue Business Cashâ„¢ Card.
Overall, the U.S. Bank Triple Cash Rewards Visa Business Card is a valuable tool for earning cash back on common business expenses. With its competitive rewards rates, welcome bonus, and no annual fee, it’s worth considering for small business owners.
