Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!
U.S. Bank Triple Cash Business Card Review
What Is the U.S. Bank Triple Cash Business Card?
The U.S. Bank Triple Cash Business card is a rewards-focused credit card designed specifically for small business owners who want to maximize their cash back on everyday business expenses. This card stands out for its generous 3% cash back rate on gas and electric vehicle charging stations, office supply stores, and cell phone service providers, making it particularly attractive for businesses with significant spending in these categories.
One of the card's most compelling features is its 0% introductory APR offer on purchases and balance transfers for the first 15 billing cycles, providing valuable cash flow management flexibility for new businesses. After the introductory period, a variable APR applies based on creditworthiness and market conditions.
U.S. Bank Triple Cash Business Card Pros & Cons
Pros:
- Earn 3% cash back at gas and electric vehicle charging stations, office supply stores, and cell phone service providers
- $500 cash back bonus after spending $4,500 on eligible purchases within the first 150 days
- 0% introductory APR on purchases and balance transfers for 15 billing cycles
- No annual fee
- Access to the Mastercard Easy Savings® Program
- Integration with QuickBooks and FreshBooks for expense tracking
- Additional employee cards at no extra cost
Cons:
- Requires excellent credit for approval
- Foreign transaction fees apply
- Cash back redemption starts at $25
- Must have a U.S. Bank account for real-time rewards
Who Is the U.S. Bank Triple Cash Business Card For?
The U.S. Bank Triple Cash Business card is ideally suited for small business owners who:
- Spend significantly on gas, office supplies, and telecommunications
- Want to track business spending through integration with accounting software
- Need flexible payment options through the ExtendPay® Plan
- Value comprehensive travel and purchase protection benefits
- Prefer cash back rewards over travel points
- Want to issue employee cards with spending controls
Comparing the U.S. Bank Triple Cash Business Card With Other Cards
When considering the U.S. Bank Triple Cash Business Card, it's helpful to compare it with other popular options in the business credit card category:
Capital One Venture X Business (rates & fees):
- Annual fee: $395
- Sign-up bonus: Substantial miles bonus after meeting spending requirements
- Key rewards: 10X miles on hotels and rental cars, and 5X on flights and vacation rentals booked through Capital One Travel
- Standout feature: 10,000 bonus miles each account anniversary
Ink Business Preferred® Credit Card:
- Annual fee: $95
- Sign-up bonus: Large points bonus after meeting spending requirements
- Key rewards: 3X points on travel, shipping, internet, cable, phone services, and advertising purchases made with social media sites and search engines on the first $150,000 spent
- Standout feature: Cell phone protection when you pay your monthly cell phone bill with your card
The Business Platinum Card® from American Express (rates & fees):
- Annual fee: $695
- Welcome offer: Substantial points bonus after meeting spending requirements
- Key rewards: 5X points on flights and prepaid hotels booked through Amex Travel, 1.5X points on eligible purchases of $5,000 or more
- Standout feature: Access to over 1,400 airport lounges worldwide
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- U.S. Bank Triple Cash Business Card excels in helping small business owners who want to maximize their cash back on everyday business expenses
- Capital One Venture X Business offers high travel rewards
- Ink Business Preferred® provides strong points on business-related categories
- The Business Platinum Card® from American Express features premium travel perks
[[ CARD_LIST * {"ids": ["3444","1100", "2290"]} ]]
Consider Using Kudos
While the U.S. Bank Triple Cash Business card offers excellent rewards, you can maximize your earnings even further by using Kudos, a free AI-powered browser extension. Kudos helps ensure you're always using the right card for every purchase, potentially multiplying your rewards up to 5X during special Flash Boost events.
If you're looking to get more out of your credit cards, Kudos is the best free shopping app to use when you shop online. And, they're currently offering $20 back after your first eligible purchase — just sign-up for free with code "GET20" and make a purchase at a Boost merchant.
Our Expert Takeaway
The U.S. Bank Triple Cash Business card stands out as one of the best cash back business credit cards, particularly for its strong rewards in common business spending categories. The combination of no annual fee, generous welcome bonus, and 0% introductory APR makes it an attractive option for small business owners looking to maximize their rewards while managing cash flow.
U.S. Bank Triple Cash Business Card FAQ
What credit score do I need for the U.S. Bank Triple Cash Business card?
A credit score of 670 or higher is recommended for approval, though scores above 740 have the best chances.
How does the ExtendPay® Plan work?
The ExtendPay® Plan allows you to split larger purchases into fixed monthly payments with a fixed fee, rather than accruing variable interest charges.
Can I get additional employee cards?
Yes, you can request additional employee cards at no extra cost and set individual spending limits through the account controls feature.
What security features are included?
The card comes with zero fraud liability, Mastercard ID theft protection, purchase security, and 24/7 U.S.-based customer service.
How can I redeem my cash back rewards?
Cash back can be redeemed through the rewards center as a statement credit, deposited to a U.S. Bank account, or as a rewards card once you've accumulated at least $25 in rewards.
Does the card integrate with accounting software?
Yes, the card offers seamless integration with QuickBooks and FreshBooks for automated expense tracking and business spending tracking.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
