U.S. Bank Triple Cash Rewards Visa® Business Card
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The U.S. Bank Triple Cash Rewards Visa® Business Card is a card designed for business owners who want elevated rewards on certain business expenses, including some travel. There’s a 0% intro APR offer and no annual fee, but you only earn 5% cash back on some travel purchases. One handy business benefit is that you get a $100 credit on recurring software subscriptions like FreshBooks or QuickBooks. We dive into the details and your approval odds in this U.S. Bank Business Triple Cash Visa review.
Our Rating
4.5/5.0
Welcome Offer
$750
Annual Fee
$0
0% Intro on Purchases
12 months
Reward Rate
1% – 5% Cash Back
0% Intro on Balance Transfers
None
Welcome Offer
One-time $750 cash back will be awarded if eligible Net Purchases totaling $6,000 or more are made to the Account Owner’s Card within 180 days from account opening.
Editorial Review
How Does the Triple Cash Rewards Card Compare?
If you’re a big spender in the categories of hotel and car 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. The 0% intro APR offer works well if you need to make a large purchase.
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 Visa best for?
Small business owners that have good to excellent credit and spend a lot of money on the aforementioned categories. It’s also a great card to use to make a large purchase with the 0% intro APR offer.
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%. See our best alternatives below.
Features & Benefits
| Security | EMV Chip Enabled |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | 24/7 customer service |
| Travel Perks | None |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of each foreign transaction |
| Regular APR | 17.99% - 26.99% (V) APR |
| Purchases | 0% Intro APR for 12 months on purchases, then 17.99% - 26.99% (V) APR after that. |
What Credit Score Is Required to Get the U.S. Bank Triple Cash Rewards Visa® Business Card
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 numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 750
Average Approved Credit Score: 787
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 04/27/2023 | Experian | ||
| Approved | 04/27/2023 | TransUnion | ||
| Approved | 04/27/2023 | Equifax | ||
| Approved | 05/12/2023 | Not Provided | ||
| Approved | 04/05/2023 | Equifax | ||
| Approved | 07/15/2024 | TransUnion | ||
| Approved | 05/01/2023 | TransUnion | ||
| Approved | 07/09/2024 | TransUnion | ||
| Denied | 10/02/2023 | Experian | ||
| Denied | 10/02/2023 | TransUnion | ||
| Denied | 10/02/2023 | Equifax |
Pros & Cons
- Welcome offer
- No annual fee
- Up to 3% cash back
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
Ink Business Cash® Credit Card
Rating
4.8
Rewards Range
1%-5%
Annual Fee
$0
Ink Business Preferred® Credit Card
Rating
4.7
Rewards Range
1-3x points
Annual Fee
$95
Capital One Spark Cash Plus
Rating
4.8
Rewards Range
2% to 5%
Annual Fee
$150