“Get Rewarded Every Time You Spend — Affinity Card Pays You Back!”

 

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.

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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%.

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Direct Link To Offer

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What Makes This Card Stand Out ?

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.

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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.

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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.

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