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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
U.S. Bank Triple Cash Rewards Visa Business Card review: Earn cash back in popular bonus categories
Augusta Stone is a credit cards writer for TPG. She joined the TPG team in 2023 and is excited to take points and miles beginners with her on a journey toward maximizing rewards.
September 29, 2025 • 8 min read
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The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
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Quick summary
This business card offers elevated cash-back rewards in several categories commonly used by business owners, such as office supplies, restaurants, and gas or EV charging.
There is no annual fee, making it appealing for those seeking value without extra cost.
Notable benefits include an annual credit for eligible software subscriptions and standard purchase protections.
Redemption options are limited to cash-back methods, and the card charges a foreign transaction fee.
What to consider
Cash-back rewards expire after 12 months of account inactivity, so regular use is important.
The card's bonus categories may not fit all business spending patterns, and travel protections are limited.
A foreign transaction fee applies, making it less suitable for international purchases.
What you'll miss from the article
A detailed comparison of competing business cards and guidance on which card best matches specific business needs.
Generated by AI with support from our editorial team.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
U.S. Bank Triple Cash Rewards Visa Business Card overview
The 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
Pros
Cons
Bonus categories
No annual fee
Statement credit for eligible software service purchases
Unlimited cash-back earnings
Charges a foreign transaction fee
Limited redemption options
Limited travel protections and perks
U.S. Bank Triple Cash Business card welcome offer
With the , new cardholders can earn $750 in cash back after spending $6,000 on the account owner's card in the first 180 days from opening an account.
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.
You can expect a standard suite of perks on the 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.
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.
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.
Earning cash back on the U.S. Bank Triple Cash Business card
The 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.
Redeeming cash back on the U.S. Bank Triple Cash Business card
You can redeem cash rewards earned with the 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.
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 (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.
Is the U.S. Bank Triple Cash Business card worth it?
If you spend in the bonus categories covered by the , 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 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.
