U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is a card designed for business owners who want elevated rewards on certain business expenses, including travel. It has a 0% introductory APR for purchases and balance transfers and no annual fee, but you only earn 1% cash back on some purchases. We dive into the details and your approval odds in this U.S. Bank Business Triple Cash review.
Our Rating
4.8/5.0
Welcome Offer
500
Annual Fee
$0
0% on Purchases
15
Reward Rate
1% - 5% Cash Back
0% on Balance Transfers
15
Welcome Offer
Earn a $500 cash bonus after you spend $4,500 on purchases in the first 150 days the account is open.Features & Benefits
Security | EMV Chip Enabled, Zero Liability |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | 24/7 customer service |
Travel Perks |
Rewards
Interest Rates & Fees
Annual Fee | $0 |
Foreign Transaction Fee | 3% of each foreign transaction |
Regular APR | 17.74% - 26.74% (V) APR |
Balance Transfers | 0% Intro APR for 15 months on balance transfers, then 17.74% - 26.74%(V) APR after that. |
Balance Transfer Fee | Either 3% of the amount of each transfer or $5 minimum, whichever is greater. |
Purchases | 0% Intro APR for 15 months on purchases, then 17.74% - 26.74% (V) APR after that. |
What Credit Score Is Required to Get the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 12/11/2021 | Experian | ||
Approved | 12/28/2021 | Experian | ||
Approved | 11/27/2021 | TransUnion | ||
Approved | 04/20/2022 | TransUnion | ||
Denied | 03/04/2022 | Not Provided |
- Welcome offer
- No annual fee
- Up to 5% cash back
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?

Ink Business Cash® Credit Card
Rating
4.9
Rewards Range
1%-5%
Annual Fee
$0

Ink Business Preferred® Credit Card
Rating
4.9
Rewards Range
1-3x points
Annual Fee
$95

Capital One Spark Cash Select for Excellent Credit
Rating
4.7
Rewards Range
1.5% - 5%
Annual Fee
$0
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Rewards
Signup Bonus
Earn $500 after spending $4,500 within your first 150 days of opening your account.
Pros & Cons of the U.S. Bank Business Triple Cash Rewards Card
- Welcome offer
- No annual fee
- Up to 5% cash back
- Foreign transaction fee
- Requires good credit
Features & Benefits
Security | EMV Chip Enabled, Zero Liability |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | 24/7 customer service |
Travel Perks |
Interest Rates & Fees
Annual Fee | $0 |
Foreign Transaction Fee | 3% of each foreign transaction |
Regular APR | 17.74% - 26.74% (V) APR |
0% Intro APR
Balance Transfers | 0% Intro APR for 15 months on balance transfers, then 17.74% - 26.74%(V) APR after that. |
Balance Transfer Fee | Either 3% of the amount of each transfer or $5 minimum, whichever is greater. |
Purchases | 0% Intro APR for 15 months on purchases, then 17.74% - 26.74% (V) APR after that. |
How Does the Triple Cash Rewards Card Compare?
If you're a big spender in the categories of hotel and care rentals, gas, office supply stores, cell phone service providers, and restaurants, then the lack of a spending cap on this card may work well for you. It also offers a 0% APR introductory rate, so those planning to spend a lot of money in a short time might do well with this card.
If you spend a more modest amount on those categories, however, there are better options (see below).
Who is the U.S. Bank Business Triple Cash best for?
Small business owners that have good to excellent credit and spend a lot of money on the aforementioned categories. It might work for those setting up a business as well due to the introductory 0% APR.
Who would do better with a different card?
Business owners who don't spend a lot of money on gas, restaurants, cell phone services, internet and office supply stores will find that other cards offer higher cash back rewards, though they often come with a spending cap. If you don't want to fuss with rewards categories, you'll find business credit cards that pay a flat cash back reward of 1.5% or 2%.
What Credit Score Is Required to Get the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Based on data we’ve collected from public forums, a credit score of 790 or higher is ideal. Our approval data on this card, however, is limited. We suspect score in the low 700s would still qualify, and we'll update this page as more data become available.
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 12/11/2021 | Experian | ||
Approved | 12/28/2021 | Experian | ||
Approved | 11/27/2021 | TransUnion | ||
Approved | 04/20/2022 | TransUnion | ||
Denied | 03/04/2022 | Not Provided |
What Are the Best Alternatives?

Ink Business Cash® Credit Card
Rating
4.9
Rewards Range
1%-5%
Annual Fee
$0

Ink Business Preferred® Credit Card
Rating
4.9
Rewards Range
1-3x points
Annual Fee
$95

Capital One Spark Cash Select for Excellent Credit
Rating
4.7
Rewards Range
1.5% - 5%
Annual Fee
$0
FAQs
Is the U.S. Bank Business Triple Cash a good credit card?
Yes, it's one of the higher rated business cards. Keep in mind though that its best for business owners with significant expenses in the categories that earn high rewards.
Does the U.S. Bank Business Triple Cash card charge foreign transaction fees.
Yes, which is odd for a card that offers up to 5% cash back on certain travel purchases. That said, it could be an ideal card for domestic business travel.