The U.S. Bank Business Triple Cash Rewards Visa® Card is a no-annual-fee business credit card that delivers attractive rewards in essential spending categories for companies.
With simple earning rules and practical benefits for day-to-day operations, it offers strong cashback opportunities, an introductory APR promotion, and an annual software credit, making it ideal for business owners looking to optimize recurring expenses with ease.
Key Features
This card provides 3% cashback on eligible purchases at gas stations (including EV charging up to $200 per purchase), office supply stores, cell phone service providers, and restaurants.
All other purchases earn 1%. It also includes 5% cashback on prepaid hotels and car rentals booked directly through the U.S. Bank Rewards Center.
Additionally, the card offers 0% introductory APR for 12 months on purchases and balance transfers. After that period, the variable APR ranges from 17.99% to 26.99%.
Another highlight is the $100 annual credit for recurring software subscriptions such as QuickBooks or FreshBooks.
Additional Benefits
The U.S. Bank Business Triple Cash Rewards Visa® Card also brings other key advantages. Frequent business categories are well-covered, since fuel, office supplies, cell phone services, and dining earn 3% cashback, perfect for small businesses.
The 5% cashback on business travel (hotels and car rentals) helps reduce corporate travel costs. With no annual fee and an introductory 0% APR, the card gives businesses financial flexibility without high fixed costs.
The $100 annual software credit offsets essential management expenses. Cashback never expires and can be redeemed as a statement credit, direct deposit, or Rewards Card, with instant redemption available through Real-Time Rewards. This makes it not only rewarding but also practical in everyday use.
Rates and Fees
Rates and fees vary depending on the bank’s policy, but several aspects are attractive. The card has no annual fee, with no monthly charges. It also offers a promotional 0% APR, followed by competitive variable rates in line with the market.
The balance transfer fee is 5% (minimum $5), and the foreign transaction fee is 3%, making it less ideal for frequent international travelers. On the other hand, the overall benefits package remains appealing, particularly the fee waivers.
Who Is It For?
This card is ideal for small business owners who have regular expenses in fuel, office supplies, phone services, and dining, as well as those who rely on paid software.
If your routine includes frequent travel with hotel stays or car rentals, the 5% cashback can generate meaningful savings. The $100 annual software credit is also a valuable perk for businesses that depend on these tools.
How to Apply for the U.S. Bank Business Triple Cash Rewards Visa® Card
Applications can be submitted through the U.S. Bank website, with the option for prequalification that doesn’t impact your credit score. After review, approval may take a few days and, in some cases, may require proof of business activity, such as a DBA certificate or revenue documentation.
Online applications are convenient for tech-savvy users, while those who prefer traditional methods can apply through a banker at a branch location.
Is the U.S. Bank Business Triple Cash Rewards Visa® Card Worth It?
The U.S. Bank Business Triple Cash Rewards Card offers an excellent balance of zero annual cost, high returns in the right categories, financial protection through its intro APR, and practical perks like the software credit. It’s a strategic choice for entrepreneurs who value simplicity and consistent rewards without annual fees.
Although it does not waive foreign transaction fees, it remains highly competitive for businesses seeking cashback on everyday purchases and operational expenses. For many, this card can be a smart addition to their business financial strategy.
All information in this and other US PIXIN articles is subject to change over time. Please check for updates directly with the institutions and companies mentioned. Approval is subject to the institution’s review.
REFERENCES:
Read more about credit cards in https://us.pixin.com.br/category/credit-cards/
