How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
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American Express Disclosure

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U.S. Bank Triple Cash Rewards Visa® Business Card Review: Earn Unlimited Cash Back on Every Purchase

Updated on:
Content was accurate at the time of publication.
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
4.7
U.S. Bank Triple Cash Rewards Visa<sup>®</sup> Business Card
Rewards Rate
Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center. No limit on total cash back earned.
Sign-Up Bonus
Earn $750 in cash back — just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
Purchase Intro APR
0% intro APR for 12 billing cycles on purchases. After that, an APR of 18.24% to 27.24% variable
We receive commissions from our advertising partners. These commissions do not influence our recommendations. Click here to learn more.

Key takeaway

Our take: The U.S. Bank Triple Cash Rewards Visa® Business Card is a solid option if you’re a business owner looking for a $0 annual fee card. You’ll earn rewards on many business expenses including gas stations, EV charging stations, office supply stores, cellphone service providers and restaurants. Plus, there’s a solid intro APR on purchases for 12 months. However, you’ll only earn 1% cash back on all other purchases and there’s no intro APR for balance transfers.

Pros and cons

  • $0 annual fee
  • Earn unlimited cash back on business expenses
  • Valuable sign-up bonus
  • Intro APR on purchases
  • Annual credit for software subscription expenses
  • Modest rewards rate on general purchases
  • Fuel and EV charging purchases of more than $200 only earn 1% cash back
  • No intro APR on balance transfers
  • 3% foreign transaction fee

Is the U.S. Bank Triple Cash Rewards Visa® Business Card good?

If you’re a small business owner interested in earning cash back in popular spending categories (like office supplies and phone services), the U.S. Bank Triple Cash Rewards Visa® Business Card may be what you’re looking for. Along with cash back on every purchase, the card comes with a competitive sign-up bonus. You can earn earn $750 in cash back — just spend $6,000 on the Account Owner's card in the first 180 days of opening your account. You can also carry a balance without paying interest for a year, thanks to its generous intro APR offer on purchases.

This card offers a solid rewards rate in a number of business categories. But if your business spending habits are different, or if you’re looking for a business travel card, you may want to look elsewhere. Further, this card also doesn’t offer an intro APR on balance transfers.

Looking for more business card options? See our list of best business credit cards.

Quick facts

  • Annual fee: $0
  • Sign-up bonus: Earn $750 in cash back — just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
  • Rewards: Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center. No limit on total cash back earned.
  • Intro purchase APR: 0% intro APR for 12 billing cycles on purchases
  • Intro balance transfer APR: N/A
  • Regular APR on purchases and balance transfers: 18.24% to 27.24% variable
  • Balance transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  • Foreign transaction fee: 3%
  • Other benefits: 5% cash back on prepaid travel, Up to $100 statement credit for recurring software subscription expenses, Pay over time with a U.S. Bank ExtendPay® Plan and Track your business spending with free online tools
  • Recommended credit: Good / Excellent

U.S. Bank Triple Cash Rewards Visa® Business Card benefits

  • Earn unlimited cash back on business expenses

    The U.S. Bank Triple Cash Rewards Visa® Business Card allows you to earn one of the highest cash back rates on gas you can find with a business credit card. Plus, you’ll get elevated cash back on a number of popular business spending categories:

    • 3% cash back at eligible gas stations and EV charging stations (purchases over $200 will only earn 1% cash back)
    • 3% cash back at eligible office supply stores
    • 3% cash back on eligible cellphone service providers
    • 3% cash back at eligible restaurants
    • 1% cash back on all other purchases

    There’s no limit on how much cash back you can earn, which is rare for a business credit card. For example, The Ink Business Cash® Credit Card has a cap of $25,000 on its 5% and 2% cash back rates. Meanwhile, The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has a $50,000 spending cap per calendar year on its 3% and 2% cash back rates. Cash back can be redeemed for a statement credit or deposited to your U.S. Bank business checking, savings or money market account.

  • Valuable sign-up bonus

    With the U.S. Bank Triple Cash Rewards Visa® Business Card, you’ll earn $750 in cash back — just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.

    This higher than sign-up bonuses from similar business credit cards that offer cash back rewards and a $0 annual fee. But what stands out is the generous amount of time you have to earn the bonus.

    Many cards require you to reach the spend threshold within first three months or 90 days of card membership to earn the bonus. For example, with the Capital One Spark Cash Select, cardholders earn $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening.

  • Intro APR on purchases

    The U.S. Bank Triple Cash Rewards Visa® Business Card helps you save if you’re planning to finance a large business purchase. You’ll get a 0% intro APR for 12 billing cycles on purchases. Then, a 18.24% to 27.24% variable APR will apply.

    This is a solid intro APR for a business credit card, one that’s similar to offers from other business credit cards. For example, the U.S. Bank Business Platinum Card has a longer intro APR for 18 months on purchases and balance transfers, but you won’t get a rewards program.

  • Annual credit for software subscription expenses

    The U.S. Bank Triple Cash Rewards Visa® Business Card offers a $100 annual statement credit for recurring software subscription expenses, like FreshBooks or Quickbooks. The credit will be automatically applied to your account after 11 consecutive months of eligible software service purchases made directly with a service provider. This is a unique perk that can help you save on business expenses each year.

U.S. Bank Triple Cash Rewards Visa® Business Card drawbacks

  • Modest rewards rate on general purchases

    While the U.S. Bank Triple Cash Rewards Visa® Business Card offers a generous amount of cash back on purchases at gas stations, EV charging stations, office supply stores, cell phone service providers and restaurants, all other purchases only earn 1% cash back.

    If your company spends a large amount in other categories, like travel, you may be able to get more bang for your buck with a flat-rate cash back card or a travel card. The American Express Blue Business Cash™ Card, Ink Business Unlimited® Credit Card and the Capital One Spark Cash Select all offer higher rewards on general purchases.

    See all of our top business travel credit cards.

  • No intro APR on balance transfers

    The U.S. Bank Triple Cash Rewards Visa® Business Card offers an intro APR for 12 months on purchases followed by a 18.24% to 27.24% variable APR. But if you’re planning to transfer high-interest debt to this card, there’s no intro APR on balance transfers.

    If you’re looking for a business credit card to use for a balance transfer, there are plenty of options available. For example, the U.S. Bank Business Platinum Card has an intro APR on purchases and balance transfers for 18 months followed by a 17.24% to 26.24% APR. There’s also the PNC Visa® Business Credit Card, which has an intro APR for 13 billing cycles for balance transfers followed by a 17.24% to 27.24% Variable APR.

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

| Disclosures
Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
apply-now-icon Apply Now
on Chase's secure site
0% Intro APR on Purchases for 12 months
17.74% - 25.74% Variable
$0
Earn 5% cash back on the first $25,000 spent in combined purchases
  • 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
  • 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
720 850
Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


The Ink Business Cash® Credit Card is another good option for a $0 annual fee business credit card. You’ll earn a higher sign-up bonus than the U.S. Bank Triple Cash Rewards Visa® Business Card, and there’s an excellent 5% cash back on purchases at office supply stores, internet, cable and phone services, as well as 2% cash back at gas stations and restaurants.

But while you’ll be able to earn a higher cash back rate than with the U.S. Bank Triple Cash Rewards Visa® Business Card, there is a cap on how much you can earn at the higher rate. After you spend $25,000 in purchases each year, you’ll only earn 1% cash back. The U.S. Bank Triple Cash Rewards Visa® Business Card doesn’t have a cap on rewards.

Still, like the U.S. Bank Triple Cash Rewards Visa® Business Card, the Ink Business Cash® Credit Card is a good option for financing a large purchase. It offers a 0% Intro APR on Purchases for 12 months. Then, an ongoing APR of 17.74% - 25.74% Variable.

U.S. Bank Triple Cash Rewards Visa® Business Card vs. Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

| Disclosures
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card*
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
0% Introductory APR on purchases for the first 9 billing cycles
17.99% - 27.99% Variable APR
$0
Earn 3% cash back in the category of your choice (for the
  • Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
  • Earn 3% cash back in the category of your choice: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases. 
  • You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter. 
  • You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases. 
  • No annual fee 
  • Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire. 
  • To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same. 
  • 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.99% - 27.99% Variable APR will apply. 
  • Contactless Cards - The security of a chip card, with the convenience of a tap. 
  • This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
720 850
Excellent
*The information related to the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


If your spending habits fluctuate, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card may be a good fit for your business. You’ll earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases. You’ll also have a chance to earn 25% to 75% more cash back (enrollment required) with the Preferred Rewards for business program.

At the same time, this card has a lower sign-up bonus: Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening. There’s also a shorter 0% Introductory APR on purchases for the first 9 billing cycles (followed by a 17.99% - 27.99% Variable APR).

U.S. Bank Triple Cash Rewards Visa® Business Card vs. Capital One Spark Cash Select

| Disclosures
Capital One Spark Cash Select
Capital One Spark Cash Select
apply-now-icon Apply Now
on Capital One's secure site
Rates & Fees
N/A
17.99% - 23.99% (Variable)
$0
1.5% Cash Back on every purchase; 5% Cash Back on hotels and
  • Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
  • No annual fee
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Rewards won't expire for the life of the account
  • Redeem your cash back rewards for any amount
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • $0 Fraud Liability for unauthorized charges
  • For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
720 850
Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


If you don’t want to manage spending categories, the Capital One Spark Cash Select is a good flat-rate cash back option. You’ll get 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel. Like the U.S. Bank Triple Cash Rewards Visa® Business Card, there’s no limit to how much cash back you can earn at the higher rate.

You can also earn a high sign-up bonus: $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening. However, you’ll need to have excellent credit to qualify for the card — plus, there’s no intro APR period on purchases or balance transfers with this card (see rates & fees).

Is the U.S. Bank Triple Cash Rewards Visa® Business Card right for you?

If you’re in the market for a small business credit card, the U.S. Bank Triple Cash Rewards Visa® Business Card is a solid choice. In addition to offering cash back rewards in popular business spending categories, the $0 annual fee card comes with a long introductory APR on purchases. Plus, you receive more time to earn the sign-up bonus than some competing cards — which is great if you’re not planning to spend a large amount on business purchases right away.

But if you want to earn an even higher cash back rate in some popular business spending categories as well as a higher sign-up bonus, a card like the Ink Business Cash® Credit Card may be a better fit for you. Or, if you want to avoid keeping track of rewards categories altogether, a flat-rate cash back card like the Capital One Spark Cash Select may be a good choice.

Want to compare business credit cards?

For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply.

The information related to the U.S. Bank Triple Cash Rewards Visa® Business Card, Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, U.S. Bank Business Platinum Card, The American Express Blue Business Cash™ Card and PNC Visa® Business Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.