U.S. Bank Triple Cash Rewards Visa^® Business Card Review [2025]: Cash Back on Travel + Business Expenses

U.S. Bank Triple Cash card basics

Who should get the U.S. Bank Triple Cash Rewards Business Card?

The U.S. Bank Triple Cash Rewards card could be a good fit for you if:

• You're a business owner who spends a lot on both travel and everyday business services.
• You want to avoid business cards with annual fees.
• You have large purchases coming up and would be able to take advantage of the card's intro APR.

For business owners with varied expenses, this card hits many of the right notes. It offers a generous sign-up bonus and provides cash back for some common business expenses. If the rewards categories on this card align with your business expenses, it could be an excellent option for you — especially because there's a $0 annual fee.

If your business expenses don't align with the Triple Cash Rewards rewards categories, it might not make as much sense. There are likely other credit cards, including some of the best U.S. Bank credit cards, that could potentially offer more rewards for your business purchases. Keep in mind that this card typically requires excellent, good credit for approval.

Remember that this card also offers a 0% on purchases for 12 billing cycles, and then 17.99% to 26.99% (Variable). So while you're spending to earn cash back, you could avoid interest for a year.

U.S. Bank Triple Cash card benefits

• Generous welcome bonus: Earn $500 in cash back after spending $4,500 on the account owner's card in the first 150 days of opening your account. It may take up to eight to 10 weeks after meeting the spending requirement to receive the bonus, and purchases made on employee cards will not count toward the minimum spend amount. 
• Bonus rewards: Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center; 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less), office supply stores, cell phone service providers, and restaurants; and 1% cash back on all other eligible purchases.
• No annual fee: There's a $0 annual fee, so you don't have to offset an annual cost each year, even for employee cards.
• Software credit: Receive an annual $100 statement credit for specific recurring software subscriptions, including with FreshBooks or QuickBooks. You receive the credit within two billing cycles of having 11 consecutive months of an eligible software subscription, so you won't see that $100 until at least one year after opening the card.

• Introductory APR offer on balance transfers: 0% intro APR for 12 billing cycles on balance transfers (then 17.99% to 26.99% (Variable)). Also, take advantage of 0% on balance transfers for 12 billing cycles, and then 17.99% to 26.99% (Variable)

• Introductory APR offer on purchases: 0% intro APR for 12 billing cycles on purchases (then 17.99% to 26.99% (Variable)).

• Real-Time Rewards: U.S. Bank's Real-Time Rewards program lets you immediately redeem your earned rewards for statement credits. Simply enroll in the program through your online account (on the website or mobile app) and you can start redeeming rewards for business purchases in real time.
• World Elite perks: Cardholders automatically receive World Elite Visa perks, which are centered on offering everyday value and access to premium experiences. This typically includes access to Visa global emergency services, cell phone protection, and complimentary professional travel services.

What we don't like about this card: drawbacks

• Foreign transaction fee: Despite earning rewards on travel booked through the Rewards Center, this card comes with a foreign transaction fee. If you're planning to use your business credit card abroad, then we don't recommend this one. Consider using a card that won't charge you an additional fee, such as the Capital One Spark Cash Select.

Earning and redeeming cashback rewards

If a cashback card doesn't offer easy ways for you to earn and redeem rewards, it's likely not worth the hassle. Fortunately, the U.S. Bank Business Triple Cash Card offers a simple and easy-to-understand rewards system.

Best ways to earn

Earning cash back with this card is fairly straightforward — the more you use it on business expenses, the more cash back you'll earn. However, if you want to earn as much cash back as possible, it's best to use your card in these rewards categories when you can. 

Maximizing your redemptions

If you compare credit cards, many rewards credit cards offer cashback-related redemption options. With the U.S. Bank Business Triple Cash Rewards, this includes:

• Statement credits
• Deposits to U.S. Bank checking, savings, or money market accounts
• Receiving a U.S. Bank Rewards card

Statement credits and bank account deposits are common redemption options, but you might not recognize the option to receive a rewards card. This simply means you would receive a prepaid, non-reloadable card that can be used anywhere debit cards are accepted. These cards would typically be on the Visa or Visa networks.

You should expect all three of these redemption options to offer the same value, so choosing which one to use comes down to your preference. 

Other cards to consider

The U.S. Bank Triple Cash Rewards Visa^® Business Card can offer plenty of value, including a generous welcome offer, depending on your business needs. But if it doesn't seem like the right fit, consider other credit card offers on our list of the best business credit cards. In addition, consider the Capital One Spark Cash Select and the Ink Business Cash^® Credit Card.

Capital One Spark Cash Select

The Capital One Spark Cash Select offers unlimited 1.5% cash back for your business on every purchase, everywhere; plus unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site. These types of rates can be helpful if your business expenses don't align with the rewards categories on the U.S. Bank Business Triple Cash. This card also has a $0 annual fee.

For more information, check out our Capital One Spark Cash Select review.

Flat 1.5% cash back & no annual fee

Capital One Spark Cash Select

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Capital One Spark Cash Select

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Rates and fees

Current Offer

Earn a $500 cash bonus after spending $4,500 in the first 3 months of account opening

Annual Fee

$0

Rewards Rate

Unlimited 1.5% cash back for your business on every purchase, everywhere; plus unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site

Benefits and Drawbacks

Benefits

• Earn a $500 cash bonus after spending $4,500 in the first 3 months of account opening
• Unlimited 1.5% cash back
• Free employee cards
• No annual fee

Drawbacks

• Other cards may earn higher rewards for bigger spenders
• No intro APR offer

Card Details

• 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's travel booking site
• 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

Ink Business Cash^® Credit Card

The Ink Business Cash^® Credit Card has a $0 annual fee and offers rewards categories similar to those found on the U.S. Bank Business Triple Cash. However, the bonus earning rate on the Ink Business Cash maxes out at 5% compared to the 3% of the Triple Cash. This means you could potentially earn more cash back on the Ink Business Cash if your business expenses fall within the bonus categories. The bonus categories that earn 5% on the Ink Business Cash include the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.

This means you could potentially earn more cash back on the Ink Business Cash if your business expenses fall within the bonus categories. The bonus categories that earn 5% on the Ink Business Cash include the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.

For more information, check out our Ink Cash Business Credit Card review.

Up to 5% Cash Back

Ink Business Cash^® Credit Card

4.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Ink Business Cash^® Credit Card

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Rates and fees

Current Offer

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

Annual Fee

$0

Rewards Rate

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

Benefits and Drawbacks

Benefits

• Solid rewards on office supply, telecom spending, gas, and dining
• Generous welcome offer
• Intro APR on purchases
• $0 annual fee
• Valuable purchase and travel protections

Drawbacks

• Bonus rewards capped after $25,000 annual spend in each category
• No bonus rewards for travel or advertising purchases
• Foreign transaction fee of 3% of each transaction in U.S. dollars

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
• 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

FAQs

Simple Cash Back for Business Owners

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

4.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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

Apply Now

See rates and fees

Current Offer

Earn $500 in cash back after spending $4,500 on the account owner's card in the first 150 days of opening your account

Annual Fee

$0

Rewards Rate

5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center; 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less), office supply stores, cell phone service providers, and restaurants; and 1% cash back on all other eligible purchases

Benefits and Drawbacks

Benefits

• $0 annual fee
• Intro APR on purchases and balance transfers
• Bonus categories don’t change, so it’s convenient to use
• Redeem rewards via direct deposit, statement credit, or transfer to a personal U.S. Bank rewards card
• $100 annual statement credit for software purchases

Drawbacks

• 3% foreign transaction fee
• Limited travel benefits

Card Details

• Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
• Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
• 1% cash back on all other eligible purchases.
• Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
• Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
• No limit on total cash back earned.
• Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
• Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
• Terms and conditions apply.