About U.S. Bank Triple Cash Rewards Visa Business Card
U.S. Bank Triple Cash Rewards Visa Business Card. Earn $500
in cash back. The U.S. Bank Triple Cash Rewards Visa Business Card gives back
on all your eligible business needs with no annual fees.
Quick Overview
- Welcome
bonus:
Earn $500 cash back when you spend $4,500 within the first 150 days of account opening. - No
annual fee, and employee cards are free.
- Cash-back
rates:
- 3%
on eligible purchases at:
- Gas
& EV charging stations (transactions ≤ $200, exclusions apply)
- Office
supply stores
- Cell
phone service providers
- Restaurants
- 5%
on prepaid hotels and car rentals booked directly via the U.S. Bank
Travel Rewards Center
- 1%
on all other eligible purchases
- No
limit on total cash-back earnings.
- $100
annual software credit:
Receive a $100 statement credit for recurring software subscriptions (e.g., FreshBooks, QuickBooks) after 11 consecutive months of eligible charges. - Intro
APR:
0% APR on purchases and balance transfers for the first 12 billing cycles, followed by a variable APR of 17.99%–26.99%.
Direct Link To Offer
Strengths
- Great
for targeted business spend
If your business regularly spends on gas (under $200), office supplies, cell services, restaurants, or travel bookings through U.S. Bank, the 3% and 5% rates are highly rewarding. - Valuable
recurring credit
The $100 software credit offsets subscription costs and can be profitable—for example, subscribing to a $5/month service like BitWarden yields $60/year in spending for a $100 credit—netting $40 extra cash back. - Interest-free
financing period
The 0% intro APR for 12 months is useful for covering planned large purchases without interest—provided you pay off within that window. - No
annual fee or hidden costs
No annual fee, no charge for employee cards, and a straightforward redemption process—cash back doesn’t expire as long as the account remains active.
Considerations
- Limited
bonus category coverage
If your business doesn’t spend much in the highlighted categories, the 1% base rate on other purchases may be underwhelming compared to flat-rate or category-rich competitors. - Foreign
transaction fee applies
A 3% fee on foreign transactions makes this card less ideal for international travel or overseas expenses. - No
intro APR for balance transfers
While purchases benefit from 0% APR, balance transfers don’t—something to consider if consolidating debt.
Is this offer profitable to customers ?
Yes—for businesses whose spending aligns with the bonus
categories and who can fully take advantage of the sign-up bonus, software
credit, and intro APR offer.
- The $500
sign-up bonus alone pays back a substantial chunk if you meet the
$4,500 spend requirement.
- The 3%–5%
cash back on key business categories delivers strong ongoing value.
- The $100
software credit provides added annual savings, potentially exceeding
your subscription costs.
- The 0%
APR helps finance large purchases interest-free for a year, improving
cash flow.
Review
If your business
regularly incurs expenses in the covered categories—and you can use the
software credit and carry out timely payments—this card offers excellent value.
Just be aware of its limitations outside those categories and in foreign
spending.