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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.
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:
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 18.49% to 27.49% 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.
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.
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 18.49% to 27.49% 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 17.49% to 26.49% 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.
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Annual Fee | |
|---|---|---|---|---|---|
|
U.S. Bank Triple Cash Rewards Visa® Business Card*
|
Earn $750 in cash back — just spend $6,000 on the Account Owner's card in the first 180 days of opening your account. | 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. | $0 | ||
Ink Business Cash® Credit Card
 Apply Now
on Chase's secure site |
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 card purchases with no limit to the amount you can earn. | $0 |
Apply Now
on Chase's secure site |
|
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card*
|
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 (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 | $0 | ||
Capital One Spark Cash Select
Apply Now
on Capital One's secure site Rates & Fees |
$500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening | 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel | $0 |
Apply Now
on Capital One's secure site Rates & Fees |
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 17.99% - 23.99% Variable.
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 18.49% - 28.49% Variable APR).
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).
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.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
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.
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 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.
