U.S. Bank Triple Cash Rewards Visa Business Card review: Earn cash back in popular bonus categories
Editor's Note
U.S. Bank Triple Cash Rewards Visa Business Card overview
The U.S. Bank Triple Cash Rewards Visa® Business Card rewards business owners with elevated earnings across multiple popular bonus categories. However, if you're looking for rewards other than cash back, you may be better off with another option. Overall, the U.S. Bank Triple Cash Rewards Visa Business Card is a good choice for those who prefer earning cash-back rewards on their business expenses. Card rating*: ⭐⭐⭐½
*Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
When it comes to choosing a business credit card, there are multiple factors to consider. You could elect to earn cash back or transferable rewards, and a card could accumulate awards at a flat rate or earn more in particular categories.
The U.S. Bank Triple Cash Rewards Visa Business Card earns elevated cash back in spending categories frequently used by business owners.
The card has no annual fee, and we recommend you have a credit score of at least 670 to increase your chances of approval. Keep reading to learn more about this card and see if it's a good fit for you and your business needs.
U.S. Bank Triple Cash Business card pros and cons
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U.S. Bank Triple Cash Business card welcome offer
With the U.S. Bank Triple Cash Business card, new cardholders can earn a one-time cash-back bonus of $750 after spending at least $6,000 within 180 days of account opening.
This is a decent welcome offer if you're looking for a cash-back card, especially since it doesn't charge an annual fee.
Plus, it is a higher offer than the bonus new cardholders could earn on the card when it was first introduced in 2021.
Related: Best welcome bonuses currently available
U.S. Bank Triple Cash Business card benefits
You can expect a standard suite of perks on the U.S. Bank Triple Cash Business card with few frills.
The card's standout perk is an annual $100 credit on recurring eligible software subscription purchases, such as QuickBooks or FreshBooks. This is a solid benefit for business owners who already utilize these services or could get value out of them.
Thanks to its Visa benefits, the U.S. Bank Triple Cash Rewards Visa Business Card offers an auto rental collision damage waiver, travel and emergency assistance services, purchase security, extended warranty protection, and access to Visa discounts.
Business owners also gain access to a free online tool that tracks and reports the spending done with your U.S. Bank Triple Cash Rewards Visa Business Card.
It's important to note that the card charges a 3% fee on foreign transactions, so it's best to leave this card at home in exchange for one without foreign transaction fees if you travel abroad.
The offerings are decent for a no-annual-fee card, though you may be better off booking major travel with a card that comes with some more protections.
Related: The best cards for trip cancellation and interruption insurance — and what it actually covers
Earning cash back on the U.S. Bank Triple Cash Business card
The U.S. Bank Triple Cash Business card is aptly named, as it earns 3% cash back in multiple bonus categories — purchases at gas and electric vehicle charging stations (when the transaction is $200 or less, excluding discount stores, supercenters and wholesale clubs), office supply stores, cellphone service providers and restaurants, including restaurant delivery.
You'll also earn 5% cash back on prepaid hotels and car rentals booked through the issuer's Travel Rewards Center and 1% back on everything else.
With no cap on earnings, these are strong bonus category options for business owners.
However, if you find that you spend an overwhelming amount in a particular facet of the business, or you won't get outsize value from this set of categories, you may be better off with another card. It depends on your business's spending needs.
Related: Comparing flat-rate with bonus-category cash-back credit cards
Redeeming cash back on the U.S. Bank Triple Cash Business card
You can redeem cash rewards earned with the U.S. Bank Triple Cash Business card for a statement credit, deposit them into a qualifying U.S. Bank account, transfer them to a U.S. Bank Rewards Card or redeem them instantly with Real-Time Rewards.
Since you earn cash back with the card, you can't necessarily maximize the value of your rewards as you could with a card that earns transferable points or miles. However, if you value the simplicity of cash-back rewards, the U.S. Bank Triple Cash Rewards Visa Business Card could provide exactly what you're looking for.
It's important to note that cash awards will expire after 12 months of account inactivity. Ensure you make at least one purchase on your card in a 12-month period to prevent your rewards from expiring.
Related: The pros and cons of cash-back credit cards
Which cards compete with the U.S. Bank Triple Cash Business card?
There are multiple cards on the market offering cash-back rewards for business owners. Here is a trio of options that compete with the U.S. Bank Triple Cash Business card:
- If you're a Bank of America Preferred Rewards® member: The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card is a good option for loyal Bank of America customers who want to earn simple cash back on business purchases. You can get up to 2.62% unlimited cash back on all purchases, depending on your tier in the Preferred Rewards program. To learn more, read our full review of the Bank of America Business Advantage Unlimited Cash Rewards Mastercard.
- If you lead a high-spending business: The Capital One Spark Cash Plus is a solid option if you're looking for a flat-rate cash-back business card, as it earns an unlimited 2% cash back on all purchases. This is a good choice if your business has a lot of expenses and you're willing to pay the $150 annual fee (see rates and fees). To learn more, read our full review of the Capital One Spark Cash Plus.
- If your business spends less than $25,000 annually: The Chase Ink Business Cash® Credit Card (see rates and fees) earns 5% cash back on up to $25,000 spent in combined purchases in select business categories (office supply stores, internet, cable, and phone services) and 2% on up to $25,000 spent in combined purchases at gas stations and restaurants each card membership year, making it a high-value option for businesses that spend within these categories. To learn more, read our full review of the Ink Business Cash.
For more options, check out our list of the best business cash-back credit cards.
Related: Cash back vs. travel rewards: How to choose a credit card
Is the U.S. Bank Triple Cash Business card worth it?
If you spend in the bonus categories covered by the U.S. Bank Triple Cash Business card, such as office supplies, restaurants, and gas and EV charging, then the card could be a solid option for earning extra cash back.
However, if you find this set of categories too narrow and won't make the most of the $100 software subscription credit, then you may be better off with a competitor.
Bottom line
The U.S. Bank Triple Cash Business card is a decent offering for business owners looking to earn cash back for no annual fee.
The most important considerations are to ensure your business is best suited to spend in the bonus categories offered and that you won't need more travel perks on a business card. If you can maximize the perks of the U.S. Bank Triple Cash Rewards Visa Business Card, it could be a good fit for you.
Apply here: U.S. Bank Triple Cash Rewards Visa Business Card
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.