Maximize Your Business Expenses with the U.S. Bank Triple Cash Rewards Visa Card

The U.S. Bank Triple Cash Rewards Visa® Business Card is an excellent option for business owners looking to earn cash back on their everyday expenses. This card allows users to earn elevated cash back in popular categories, making it a strong contender for those who prioritize straightforward rewards. However, if you’re seeking rewards beyond cash back, you might want to explore other options. Overall, the U.S. Bank Triple Cash Rewards Visa Business Card is ideal for those who prefer cash-back rewards on their business spending. Card rating: ⭐⭐⭐½.

When selecting a business credit card, it’s essential to weigh various factors. You can choose between earning cash back or transferable rewards, and some cards offer flat-rate earnings while others provide higher rewards in specific categories. The U.S. Bank Triple Cash Rewards Visa Business Card stands out for its elevated cash back in categories frequently utilized by business owners.

One of the key advantages of this card is that it has no annual fee, making it accessible for small business owners. To improve your chances of approval, it’s recommended to have a credit score of at least 670. Keep reading to see if this card matches your business needs.

New cardholders can enjoy a one-time cash-back bonus of $750 after spending at least $6,000 within the first 180 days of account opening. This welcome offer is particularly appealing for those looking for a cash-back card, especially since there is no annual fee involved. Notably, this bonus is higher than what was offered when the card was first introduced in 2021.

The U.S. Bank Triple Cash Rewards Visa Business Card provides a standard suite of benefits, though it lacks some of the frills found in other cards. Its standout feature is an annual $100 credit on eligible software subscription purchases, such as QuickBooks or FreshBooks. This benefit is significant for business owners who already use these services or can take advantage of them.

Additionally, the card includes various Visa benefits, such as an auto rental collision damage waiver, travel and emergency assistance services, purchase security, extended warranty protection, and access to exclusive Visa discounts. Business owners will also benefit from a free online tool to track and report spending made with the card.

However, it is crucial to note that the card imposes a 3% fee on foreign transactions. If you plan to travel abroad, it may be wise to use a card without foreign transaction fees instead.

For a no-annual-fee card, the U.S. Bank Triple Cash Rewards Visa Business Card offers decent benefits, but if you frequently travel, you might prefer a card with more extensive travel protections.

The card earns 3% cash back in multiple bonus categories, including purchases at gas stations and electric vehicle charging stations (for transactions of $200 or less, excluding discount stores, supercenters, and wholesale clubs), office supply stores, cellphone service providers, and restaurants, including delivery services. Additionally, you can earn 5% cash back on prepaid hotels and car rentals booked through the issuer’s Travel Rewards Center, with 1% back on all other purchases. With no cap on earnings, these bonus categories are particularly advantageous for business owners.

However, if your business spending heavily favors a specific category outside of these offerings, you may want to consider another card that better aligns with your spending habits.

Cash rewards earned with the U.S. Bank Triple Cash Rewards Visa Business Card can be redeemed for a statement credit, deposited into a qualifying U.S. Bank account, transferred to a U.S. Bank Rewards Card, or redeemed instantly with Real-Time Rewards. While cash back offers simplicity, it may not provide the maximum value compared to cards earning transferable points or miles. If you appreciate the straightforward nature of cash-back rewards, this card could be a perfect fit.

Be mindful that cash rewards will expire after 12 months of inactivity, so it’s crucial to make at least one purchase within that timeframe to keep your rewards active.

Several other cash-back credit cards cater to business owners. For a broader selection, consider exploring our list of the best business cash-back credit cards.

If your spending aligns with the bonus categories offered by the U.S. Bank Triple Cash Rewards Visa Business Card—such as office supplies, restaurants, and gas or EV charging—this card could be an excellent choice for maximizing cash back. However, if you find these categories too limiting or won’t fully utilize the $100 software subscription credit, it may be worth exploring competitive options.

In summary, the U.S. Bank Triple Cash Rewards Visa Business Card is a solid choice for business owners seeking cash back without an annual fee. The key considerations are whether your business spending aligns with the card’s bonus categories and whether you require additional travel perks. If you can make the most of what this card offers, it could be an excellent addition to your financial toolkit.

For more information and to apply, visit the U.S. Bank Triple Cash Rewards Visa Business Card page.

At The Points Guy, we believe that credit cards can significantly enhance your financial experience, allowing you to turn everyday spending into cash back or travel rewards that may otherwise be out of reach. We provide a range of editorial content and card comparisons to help you discover the best card for your needs.

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