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U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Review

U.S. Bank Business Triple Cash Rewards World Elite Mastercard<sup>®</sup>

U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Review

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.
Sign-Up Bonus
Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
Intro APR
0% Intro APR for 15 billing cycles on purchases. After that, an APR of 16.24% - 25.24% (Variable)
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® best for?

If you are a small business owner interested in earning cash back in popular spending categories, like office supplies and phone services, the recently launched  U.S. Bank Business Triple Cash Rewards World Elite Mastercard® may be what you’re looking for.

Along with cashback on every purchase, the card comes with a competitive signup bonus: Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® also lets cardholders carry a balance without paying interest for more than a year — thanks to its generous intro APR offer on purchases and balance transfers.

Read on for a full breakdown of the pros and cons of U.S. Bank Business Triple Cash Rewards World Elite Mastercard®, and to see how it compares to similar business credit cards.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard® overview

    • Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
    • Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
    • 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.
    • Rewards never expire.
    • Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
    • 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 16.24% - 25.24%.
    • No annual fee.
    • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
    • Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
    • Terms and conditions apply
  • Credit needed:
    660 850
    Excellent/Good
  • $100 statement credit for recurring software subscription expenses
  • Employee cards at no additional cost
  • No limit on the amount of rewards you can earn
  • Rewards do not expire

Intro Purchase APR

0% Intro APR for 15 billing cycles on purchases

Regular Purchase APR

16.24% - 25.24% (Variable)

Intro BT APR

0% Intro on balance transfers for 15 billing cycles

Regular BT APR

16.24% - 25.24% (Variable)

Annual Fee

$0

Cash Advance Fee

N/A

Foreign Transaction Fee

3%

Balance Transfer Fee

Either 3% of the amount of each transfer or $5 minimum, whichever is greater

Pros and cons

Pros

  • Cashback on every purchase
  • Sign-up bonus
  • Introductory APR
  • $0 annual fee

Cons

  • Modest rewards rate on general purchases
  • Balance transfer fee
  • Some restrictions on gas rewards

What we like about the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

  • 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.

    Cash back can be redeemed for statement credit or deposited to your U.S. Bank business checking, savings or money market account.

  • Sign-up bonus

    Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.

    The amount of this card’s sign-up bonus is on par with similar business credit cards that offer cashback rewards and a $0 annual fee, but what stands out is the generous amount of time you have to earn the bonus.

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

  • Intro APR on purchases and balance transfers

    The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® offers a 0% Intro APR for 15 billing cycles on purchases, then a 16.24% - 25.24% (variable) APR will apply.

    Plus, get an APR of 0% Intro on balance transfers for 15 billing cycles, after which a 16.24% - 25.24% (variable) will apply.

    These offers can help you finance a large business purchase and pay it off over time, or if you have a large amount of high interest debt that you want to transfer.

  • Annual fee

    The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® charges a $0 annual fee.

What to watch out for with the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

  • Modest rewards rate on general purchases

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

    So 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 cashback card or a travel card, such as the Capital One Spark Cash Plus or the Capital One Spark Miles for Business.

  • Balance transfer fee

    Although the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® comes with a long intro APR on balance transfers, know that you will be charged the following balance transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

  • Some restrictions on gas rewards

    Be aware that purchases of gasoline in excess of $200 will not be deemed to be a purchase of automobile gasoline and as such will earn a reward of 1%.

Alternate business card

Compare it to the Ink Business Cash® Credit Card

| Disclosures
Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
on Chase's secure site
0% Intro APR on Purchases for 12 months
14.74% - 20.74% Variable
$0
Earn 5% cash back on the first $25,000 spent in combined purchases
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from 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 Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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
750 850

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’re interested in a $0 annual fee business card with an even higher sign-up bonus and cashback rate at office supply stores and on internet, cable and phone services, the Ink Business Cash® Credit Card may be a better fit. Just know, the card also comes with a higher spend requirement to earn the bonus and offers a slightly lower rewards rate at restaurants and gas stations.

Ink Business Cash® Credit Card holders can earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. Additionally, 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.

We should note, the Ink Business Cash® Credit Card limits the amount of rewards you can earn at the higher rates to the first $25,000 spent on office supply store, internet, cable and phone service purchases and the first $25,000 spent on restaurant and gas station purchases each account anniversary year. So if you max out the $25,000 spend cap, you’ll earn a maximum of $1,250 in the 5% categories and $500 in the 2% categories, for a total of $1,750. Once you reach the spend cap, the rate drops to 1% cash back.

By comparison, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® does not limit the amount of cash back you can earn at the higher rate. For example, if your company spends $58,335 on gas station, office supply store and cell phone service providers in a year, you’ll also earn $1,750 in cash back on those purchases, but if your business spends more than that, you could end up earning more cash back on the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®.

Also, if you’re planning to finance a large purchase, the Ink Business Cash® Credit Card lets you do so interest-free for less time than the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®. The Ink Business Cash® Credit Card  offers a 0% Intro APR on Purchases for 12 months, then an ongoing APR of 14.74% - 20.74% variable . Additionally, the card does not offer an introductory APR on balance transfers.

Compare the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® to similar cards

Comparison of four different credit cards
U.S. Bank Business Triple Cash Rewards World Elite Mastercard<sup>®</sup> Ink Business Cash<sup>®</sup> Credit Card Capital One Spark Cash Select - $500 Cash Bonus Capital One Spark Cash Plus
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Ink Business Cash® Credit Card Capital One Spark Cash Select - $500 Cash Bonus Capital One Spark Cash Plus
Apply Now
on U.S. Bank's secure site
Apply Now
on Chase's secure site
Apply Now
on Capital One's secure site
Apply Now
on Capital One's secure site
Welcome Offer
Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account. Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
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. 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. 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel 2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel
Annual Fee
$0 $0 $0 $150
Intro Purchase APR
0% Intro APR for 15 billing cycles on purchases 0% Intro APR on Purchases for 12 months N/A N/A
Regular APR
16.24% - 25.24% (Variable) 14.74% - 20.74% Variable 14.74% - 20.74% (Variable) N/A
Intro Balance Transfer APR
0% Intro on balance transfers for 15 billing cycles N/A N/A N/A
Regular Balance Transfer APR
16.24% - 25.24% (Variable) 14.74% - 20.74% Variable 14.74% - 20.74% (Variable) N/A
Balance Transfer Fee
Either 3% of the amount of each transfer or $5 minimum, whichever is greater Either $5 or 5% of the amount of each transfer, whichever is greater. $0 at this Transfer APR N/A
Recommended Credit
Excellent/Good Excellent Excellent Excellent/Good
Card Details
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Ink Business Cash® Credit Card Capital One Spark Cash Select - $500 Cash Bonus Capital One Spark Cash Plus

Is the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® right for you?

If you’re in the market for a small business credit card, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is a solid choice. In addition to offering cashback rewards in popular business spending categories, the $0 annual fee card comes with a long introductory APR on purchases and balance transfers.

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 cashback rate in some popular business spending categories as well as a higher sign-up bonus, the Ink Business Cash® Credit Card may be a better fit. Just know, the Ink Business Cash® Credit Card’s introductory APR period on purchases and balance transfers is slightly shorter than that of the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®.

Apply Now
on U.S. Bank's secure site