How Does LendingTree Get Paid?
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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

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

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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 18.29% to 27.29% variable
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Who is the U.S. Bank Triple Cash Rewards Visa® Business Card 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 Triple Cash Rewards Visa® Business Card may be what you’re looking for.

Along with cashback on every purchase, the card comes with a competitive signup 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.

The U.S. Bank Triple Cash Rewards Visa® Business Card 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 Triple Cash Rewards Visa® Business Card, and to see how it compares to similar business credit cards.

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

    • 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.
    • Rewards never expire.
    • Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
    • 0% Intro APR on purchases for 12 billing cycles. After that, a variable APR currently 18.99% - 27.99%. 
    • No annual fee.
    • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
    • Terms and conditions apply
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 660 720 850
    Good / Excellent
  • $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 12 billing cycles on purchases

Regular Purchase APR

18.29% to 27.29% variable

Intro BT APR

N/A

Regular BT APR

18.29% to 27.29% variable

Annual Fee

$0

Cash Advance Fee

Either 5% of the amount of each advance or $10 minimum, whichever is greater

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 Triple Cash Rewards Visa® 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.

    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

    Earn $750 in cash back — just spend $6,000 on the Account Owner's card in the first 180 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, 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 Triple Cash Rewards Visa® Business Card offers a 0% intro APR for 12 billing cycles on purchases, then a 18.29% to 27.29% variable APR will apply.

    Plus, get an APR of N/A, after which a 18.29% to 27.29% 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 Triple Cash Rewards Visa® Business Card charges a $0 annual fee.

What to watch out for with the U.S. Bank Triple Cash Rewards Visa® Business Card

  • Modest rewards rate on general purchases

    While the U.S. Bank Triple Cash Rewards Visa® Business Card 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 Triple Cash Rewards Visa® Business Card 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
0% Intro APR on Purchases for 12 months
17.99% - 25.99% 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
*The information related to the Ink Business Cash® 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 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 the following sign-up 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.. 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 Triple Cash Rewards Visa® Business Card 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 Triple Cash Rewards Visa® Business Card.

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 Triple Cash Rewards Visa® Business Card. The Ink Business Cash® Credit Card  offers a 0% Intro APR on Purchases for 12 months, then an ongoing APR of 17.99% - 25.99% variable. Additionally, the card does not offer an introductory APR on balance transfers.

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 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 Triple Cash Rewards Visa® Business Card.

For Capital One products listed on this page, some of the above benefits are 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 Capital One Spark Cash Plus has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

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, Capital One Spark Cash Select, Capital One Spark Cash Plus, Capital One Spark Miles for Business and Ink Business Cash® 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.