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Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®


Intro offer

$500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account


Rewards

Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.

U.S. Bank U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®


Intro offer

$500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account


Rewards

Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.

If you’re a small-business owner looking for a no-annual-fee card that earns bonus cash back in popular categories, this card is worth considering. It’s got a very generous welcome bonus and 0% intro APR offer, and comes with helpful World Elite Mastercard benefits. However, if your business doesn’t spend much in the card’s bonus categories, a flat-rate cash back business card might make more sense.


Rewards

Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.


Intro offer

$500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account


Recommended Credit

Excellent/Good


Regular APR

16.99% – 25.99% (Variable)


Intro APR

0% intro APR on purchases and balance transfers for 15 billing cycles

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The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is a no-annual-fee card for small business owners with a generous welcome bonus and great bonus categories. It’s a good pick if you prefer earning straight cash back, especially if you can use the $100 annual software credit.

Review: Is the US Bank Business Triple Cash Rewards the best credit card for you?

If you’re looking for a small-business card that earns rewards in popular bonus categories, there are plenty of options for business owners. The U.S. Bank Business Triple Cash Rewards Card is one to consider, and will be attractive to those who spend a lot in the bonus categories this no-annual-fee card offers.  

There’s a welcome offer of ​​$500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account. Note that US Bank does not count authorized user purchases toward the minimum requirement, so this spending must be on the account owner’s card.

That’s a generous bonus for a card without an annual fee. And even though the spending requirement is rather steep, you’ll have roughly five months to complete it. 

The U.S. Bank Business Triple Cash Rewards Card earns 5% cash back on prepaid hotels and car rentals booked through the US Bank Travel Rewards Center, 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants, and 1% cash back on all other eligible purchases. There’s also an annual $100 statement credit for recurring software subscription expenses like FreshBooks or QuickBooks that can come in handy for many business owners.

Insider’s Featured Small Business Credit Cards

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Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.

$500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

Earn unlimited 1.5% cash back on every purchase made for your business.

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

As we mentioned before, there are lots of cards for small businesses of all kinds, so it’s important to choose one that will reward the spending you’re already doing for your business.

If you spend a lot in the bonus categories and want a card with no annual fee, the U.S. Bank Business Triple Cash Rewards Card could be ideal. To make the most of the rewards, your business spending should include purchases made at office supply stores, restaurants, gas stations/EV stations, and cell phone service providers because you’ll earn 3% back on all those eligible purchases. If you don’t spend a lot in these categories, this is essentially a 1% cash-back card and there are better options out there. 

There’s also an annual $100 software credit, which is a nice perk for a no-annual-fee card if you’ll use it for recurring subscriptions like FreshBooks or QuickBooks, which are business software subscriptions to help with receipts, taxes, and invoices. If you use accounting software for your business, getting a $100 discount every year is an added bonus. 

If your business has other expenses, such as appliances, shipping, online advertising, or travel, this isn’t a good card for you because you’ll only earn 1% cash back and other cards offer better rewards for those purchases. 

The U.S. Bank Business Triple Cash Rewards Card is also a good choice if you want to earn a lucrative cash bonus. The welcome offer is generous and an easy way to get a rebate for your business spending. This card also has 0% intro APR on purchases and balance transfers for 15 billing cycles (then a 16.99% – 25.99% (Variable) APR), which is rare for a business card. If you need to make purchases for your business, having a 0% APR rate for a long period is a great way to float the cost for a while — just be sure to pay it off before the introductory rate ends to avoid interest. 

Because the card has no annual fee, there’s no ongoing cost to think about, so you could open it and see if it’s worthwhile and rewarding for your business. The U.S. Bank Business Triple Cash Rewards Card could also be a nice complement to other cards with different bonus categories so you can more easily maximize all your business purchases.

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

How to earn rewards from the US Bank Triple Cash Rewards card

With the U.S. Bank Business Triple Cash Rewards Card, you’ll earn 5% cash back on prepaid hotels and car rentals booked directly through  the US Bank Travel Rewards Center, and you’ll earn 3% cash back on eligible purchases at: 

You’ll earn 1% cash back on all other eligible purchases. 

There are no limits to the rewards you can earn and your rewards never expire as long as your card is open. 

How to use rewards 

When you’re ready to redeem your rewards, you can log into your online account and request a statement credit, or deposit rewards to a qualifying US Bank account. Note that the minimum to redeem rewards is $25. 

You can also set up Real-Time Rewards and use your points to instantly cover a purchase you’re making with your U.S. Bank Business Triple Cash Rewards Card via your mobile device. This allows you to use your rewards for a statement credit within seconds of making an eligible purchase.   

You can save your cash rewards for a big purchase, or use them as you go along for statement credits toward eligible purchases. 

Benefits and features

The main benefit of the U.S. Bank Business Triple Cash Rewards Card is the bonus categories and welcome bonus, but there are a few other benefits you should know about. 

0% introductory APR offer

New U.S. Bank Business Triple Cash Rewards Card cardholders receive a 0% intro APR on purchases and balance transfers for 15 billing cycles, followed by a 16.99% – 25.99% (Variable) APR. The 0% introductory APR applies to balance transfers made within 30 days of account opening.

Getting this long of a 0% APR is a great offer on any card, but especially rare for a small-business card. If you’re responsible with the offer, it can be a way to float business spending or acquire new equipment or promotion for your business. To make the most of it, be sure to pay off your balance before the introductory offer expires to avoid interest costs.

$100 annual software credit 

When you use the U.S. Bank Business Triple Cash Rewards Card to pay for an eligible software service for 11 consecutive calendar months, you’ll get a $100 credit applied to your account once per year. Eligible services are identified based on their merchant code, and FreshBooks and QuickBooks are included. This benefit resets every 12 months.

World Elite Mastercard benefits

Because the U.S. Bank Business Triple Cash Rewards Card is a World Elite Mastercard, it comes with additional travel and shopping benefits, including free Shoprunner membership, Lyft credits, and DoorDash credits.

Access to the Rewards Center Earn Mall

When you shop online and pay with your U.S. Bank Business Triple Cash Rewards Card at over 1,100 stores, you can earn additional points through the Rewards Center Earn Mall. You can access the portal through online banking. 

Real-Time Rewards

US Bank is unique in that you can instantly redeem your points via text for eligible purchases. You’ll need to enroll in the service. Then, you’ll receive a text when you make a purchase asking if you want to instantly redeem your points. Simply reply with “REDEEM” to complete the redemption. Points will instantly be deducted from your balance. 

U.S. Bank U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®


Intro offer

$500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account


Rewards

Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.

U.S. Bank U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®


Intro offer

$500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account


Rewards

Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.

If you’re a small-business owner looking for a no-annual-fee card that earns bonus cash back in popular categories, this card is worth considering. It’s got a very generous welcome bonus and 0% intro APR offer, and comes with helpful World Elite Mastercard benefits. However, if your business doesn’t spend much in the card’s bonus categories, a flat-rate cash back business card might make more sense.


Rewards

Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.


Intro offer

$500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account


Recommended Credit

Excellent/Good


Regular APR

16.99% – 25.99% (Variable)


Intro APR

0% intro APR on purchases and balance transfers for 15 billing cycles

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

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Fees and costs

The U.S. Bank Business Triple Cash Rewards Card doesn’t have an annual fee but there’s a 3% foreign transaction fee, so it’s not an ideal card to use abroad.

Like most other cards, there are fees for balance transfers, cash advances, and late or returned payments.

Comparison: US Bank Triple Cash Rewards vs other US Bank cards

Triple Cash Rewards vs other cash-back business credit cards

*5% cash back and 2% cash back on the Ink Business Cash® Credit Card on up to $25,000 in combined purchases each year, then 1% cash back.

US Bank Business Triple Cash Rewards frequently asked questions (FAQ)

The U.S. Bank Business Triple Cash Rewards Card is worth it for small businesses looking to earn unlimited cash back in popular spending categories (such as travel, gas, and office supply purchases), for no annual fee. Cardholders also get a few decent perks like $100 annual software credit and more World Elite Mastercard benefits. 

However, if your business spends more on travel (outside prepaid hotels and car rentals) or appliances, online shopping, shipping, or other expenses then you should consider a different card. 

No, the U.S. Bank Business Triple Cash Rewards Card is not metal. The two metal US Bank issued cards are the U.S. Bank Altitude® Reserve Visa Infinite® Card
and the U.S. Bank Altitude® Go Visa Signature® Card. 



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