U.S. Bank Triple Cash Rewards Visa Business card review 2024: Thrice is nice with $0 annual fee, intro APR offer and big rewards

Some of the offers/benefits in this post have been updated or are no longer available. Please see the issuer site for current product information.

The U.S. Bank Triple Cash Rewards Visa® Business Card * The information for the U.S. Bank Triple Cash Rewards Visa® Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers a triple play of no annual fee, generous cash-back rate and an intro APR on purchases and balance transfers. Read more in our U.S. Bank Triple Cash Rewards Visa Business card review.

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

• Annual fee: $0.
• Welcome bonus: $500 in cash back after spending $4,500 on purchases in the first 150 days of account opening.
• Rewards: 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center, 3% cash back at gas and EV charging stations, office supply stores, cellphone service providers and restaurants and 1% cash back on all other eligible purchases.
• APR: 0% intro APR on purchases and balance transfers for 15 billing cycles, followed by a variable APR of 19.24% to 28.24%. A balance transfer fee of either 3% of each transfer or $5 minimum, whichever is greater, applies.
• Recommended credit score: Good to excellent.
• Other benefits: Get a $100 annual credit for recurring software subscriptions.

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

As the name implies, the U.S. Bank Triple Cash Rewards Visa Business Card offers an unlimited 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center, 3% cash back at gas and EV charging stations, office supply stores, cellphone service providers and restaurants and 1% cash back on all other eligible purchases. But what’s also attractive is its lengthy intro APR for purchases and balance transfers: Get a 0% intro APR on purchases and balance transfers for 15 billing cycles, followed by a variable APR of 19.24% to 28.24%. A balance transfer fee of either 3% of each transfer or $5 minimum, whichever is greater, applies. This means if you want to finance a large purchase or move some high-interest card debt via a balance transfer, you won’t have to worry about interest charges for more than a year.

Balance transfer offers on a business card are rare and it is even more rare to be able to earn rewards on that same card, making the U.S. Bank Triple Cash Rewards valuable for someone who wants a one-card solution. Just know that any balance transfer must be initiated within the first 30 days of getting the card in order to qualify for the intro APR and transfers come with a balance transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

The card also offers a welcome bonus of $500 in cash back after spending $4,500 on purchases in the first 150 days of account opening. With a lineup of features like this, the card offers wide appeal to a variety of business owners’ needs.

Unlike some of its competitors with long intro APR periods, such as the U.S. Bank Business Platinum Card * The information for the U.S. Bank Business Platinum Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , the U.S. Bank Triple Cash Rewards Visa Business Card comes with a solid cash-back rewards program, making it worthwhile to keep using once the intro APR period expires. 

Pros

• Long intro APR: Few business cards offer an intro APRs for longer than a year. And even fewer offer it for balance transfers. 
• High cash-back rate in popular spending categories: Businesses can earn a solid cash-back rate on spending for gas/EV charging, office supplies, cellphones and dining out.
• Unlimited earning potential: Unlike some other cash-back cards, the U.S. Bank Triple Cash Rewards Visa Business Card does not have spending caps in which to earn the elevated cash-back rate.

Cons

• Limited benefits: While cardholders get secondary car rental protection, roadside dispatch and travel and emergency assistance services, you won’t find perks such as trip interruption/trip cancellation, baggage protection or other travel credits with this card.
• Foreign transaction fee: You’ll want to leave this card at home when traveling abroad as it assesses a 3% of each foreign transaction fee.
• Potentially high APR: Most credit cards offer a range of APRs for which you may qualify depending on your creditworthiness. The high end of the U.S. Bank Triple Cash Rewards Visa Business Card’s APR range is close to 30%.

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

U.S. Bank Triple Cash Rewards Visa Business Card holders can earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center, 3% cash back at gas and EV charging stations, office supply stores, cellphone service providers and restaurants and 1% cash back on all other eligible purchases.

There is also a welcome bonus of $500 in cash back after spending $4,500 on purchases in the first 150 days of account opening.

When comparing the U.S. Bank Triple Cash Rewards Visa Business Card to similar business balance transfer cards, you’ll find that it comes out ahead with solid cash-back rewards and a generous welcome bonus. 

Using government data and other publicly available information, we estimate that a small business in the U.S. that would be in the market for this card has around $29,575 in annual expenses that can be charged to a credit card. Here’s how our sample business’ rewards could break down:

SPENDING CATEGORY	SPENDING AMOUNT	CASH-BACK RATE	CASH BACK EARNED
Office supplies	$720	3%	$21.60
Gas/EV charging	$2,948	3%	$88.44
Cellphone provider	$1,411	3%	$42.33
Restaurants	$2,010	3%	$60.30
Prepaid hotel and car rentals booked through Travel Rewards Center	$868	5%	$43.40
Other purchases	$21,618	1%	$216.18
TOTAL	$29,575		$472.25

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The cardholder in this example can earn a grand total of $472.25 in cash-back rewards annually, which can be redeemed as a statement credit or deposited into your U.S. Bank business checking, savings or investment account or as a U.S. Bank Rewards Card. 

If you satisfy the spending requirement in which to earn the welcome bonus, that can boost your annual cash-back earnings to almost $1,000 the first year. 

Plus, you can take advantage of the $100 annual credit by paying monthly subscription fees for software such as Quickbooks, FreshBooks or Xero by using your card as the payment method for 11 consecutive months, after which you’ll get the statement credit. This credit can be received every year, not just the first year.

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

The U.S. Bank Triple Cash Rewards Visa Business Card offers a 0% intro APR on purchases and balance transfers for 15 billing cycles, followed by a variable APR of 19.24% to 28.24%. A balance transfer fee of either 3% of each transfer or $5 minimum, whichever is greater, applies.

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

While not heavy on extra benefits, cardholders can access the following benefits:

• Purchase protection/extended warranty. If a product you bought with your card is damaged or stolen within the first 90 days, you can submit a claim up to a maximum of $10,000 per claim and $50,000 per cardholder. And when you register a new purchase that comes with an original warranty by calling 800-848-1943, that warranty will be doubled up to one additional year on eligible warranties of three years or less. 
• Auto rental collision damage waiver. This is primary coverage when renting a vehicle with your card for business purposes and secondary coverage (meaning you must file a claim with your personal car insurance first) when renting a car for personal reasons.
• Travel and emergency assistance. If you happen to have a medical emergency when traveling, you can call 800-992-6029 for referral services. Note that any treatment costs will be your responsibility. 
• Roadside dispatch. If your vehicle breaks down, you can call 800-847-2869 to get a tow, a tire changed, a jump start or lockout service, fuel delivery or winching. However, you will be charged a pre-negotiated rate for any service.

How the U.S. Bank Triple Cash Rewards Visa Business Card compares to other business rewards cards 

U.S. Bank Triple Cash Rewards Visa Business Card vs. U.S. Bank Business Altitude™ Connect World Elite Mastercard® * The information for the U.S. Bank Business Altitude™ Connect World Elite Mastercard® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

If your business expenses include a lot of travel, you may want to check out the U.S. Bank Business Altitude Connect World Elite Mastercard instead. It carries an annual fee of $0 introductory annual fee for the first year, then $95.

Cardholders can earn 5 points per $1 on hotels and rental cars booked directly through the U.S. Bank Rewards Center, 4 points per $1 on other travel purchases including flights, hotels, gas and EV charging, up to $150,000 in combined annual purchases, 2 points per $1 on dining (including delivery) and cellphone services and 1 point per $1 on all other purchases. 

There is no intro APR offer on this card, but it comes with a 60,000 points, worth $600, after spending $6,000 on purchases in the first 180 days of account opening, no foreign transaction fees and four annual Priority Pass lounge visits (enrollment required). 

U.S. Bank Triple Cash Rewards Visa Business Card vs. The American Express Blue Business Cash™ Card * The information for the The American Express Blue Business Cash™ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The American Express Blue Business Cash™ Card * The information for the The American Express Blue Business Cash™ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) comes with a 0% intro APR on purchases for the first 12 months, then a 18.49% to 26.49% variable APR. Plus, earn a $250 statement credit after spending $3,000 in purchases in the first three months of card membership.

However it has a less generous cash-back rewards program than the U.S. Bank Triple Cash Rewards Visa Business Card, earning a flat 2% cash back on all eligible purchases (automatically rewarded via statement credits), up to $50,000 per calendar year, then 1%. The better card for you will depend on your spending habits and willingness to track categories.

U.S. Bank Triple Cash Rewards Visa Business Card vs. Ink Business Cash® Credit Card

If it’s a hefty welcome bonus you’re looking for, the no-annual-fee Chase Ink Business Cash card offers $350 after spending $3,000 on purchases in the first three months and an additional $400 after spending $6,000 on purchases in the first six months after account opening.

You’ll also earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year, 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, and 1% cash back on all other purchases. For those who spend heavily in the bonus areas this might be the more rewarding option between the two. The Ink Business Cash Card also offers some travel and purchase protections, including primary auto rental coverage and extended warranty and purchase coverage.

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Ink Business Cash® Credit Card

BLUEPRINT RATING

Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circumstances.

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On Chase Bank USA, NA’s secure website

BLUEPRINT RATING

Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circumstances.

Welcome bonus

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Earn up to $750 bonus cash back

Annual fee

$0

Regular APR

18.49% – 24.49% Variable

Credit score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

Editor’s take

Pros

• No annual fee.
• Rich rewards rate in areas where businesses are likely to spend the most.
• Employee cards at no additional cost.

Cons

• There’s a foreign transaction fee.
• Bonus categories are capped at $25,000 in spending each account anniversary year.
• Lackluster rewards outside of bonus categories.

The Ink Business Cash Credit Card earns exceptional cash-back rewards on typical office spending categories and strong rewards in other areas, too. Add in a big welcome bonus, plus travel and purchase coverages and you’ve got a top-notch small business card.

Card details

• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases
• Member FDIC

The U.S. Bank Triple Cash Rewards Visa Business Card is right for you if:

• You’re looking for an intro APR for purchases and/or balance transfers for over a year.
• You don’t want to pay an annual fee.
• Your business spends regularly in the elevated cash-back categories of gas/EV charging, office supply stores, cellphone service providers and restaurants. 

Frequently asked questions (FAQs)