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The U.S. Bank Triple Cash Rewards Visa® Business Card helps you save on credit costs through its unlimited cash back on purchases, annual software credits, 0% introductory APR on purchases, and a $0 annual fee. It also lets you pay off your eligible balance over time without interest through its ExtendPay® Plan feature.
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| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 17.24% - 26.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
When grading cash back business credit cards like the U.S. Bank Triple Cash Rewards Visa® Business Card, we rate ongoing rewards first. We also evaluate the introductory rewards, annual fees, introductory and ongoing APRs, and other card benefits.
| Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
| Ongoing Rewards | 25 | 30 |
| Introductory Rewards | 17 | 20 |
| Annual Fee | 15 | 15 |
| Features | 12 | 15 |
| Introductory APR | 8 | 10 |
| Ongoing APR | 8 | 10 |
| Total Score | 85 | 100 |
- Who the U.S. Bank Triple Cash Rewards Visa® Business Card Is Best For
- U.S. Bank Triple Cash Rewards Visa® Business Card Rewards
- U.S. Bank Triple Cash Rewards Visa® Business Card Features
- U.S. Bank Triple Cash Rewards Visa® Business Card Fees
- U.S. Bank Triple Cash Rewards Visa® Business Card Alternatives
- Frequently Asked Questions (FAQs)
- Bottom Line
Who the U.S. Bank Triple Cash Rewards Visa® Business Card Is Best For
- Those with recurring software subscriptions: You’ll receive $100 annual statement credits on recurring subscription expenses for software, such as FreshBooks and QuickBooks.
- Those needing to pay off their balance over time: With its ExtendPay® Plan feature, you can pay off your eligible balances in equal monthly installments without interest, with only a small monthly fee.
If this isn’t the card for you, then check out our recommended alternatives below.
U.S. Bank Triple Cash Rewards Visa® Business Card Rewards
- $750 cash back as a welcome offer after spending at least $6,000 in eligible purchases within the first 180 days from account opening
- 5% cash back on prepaid hotels and car rentals directly booked in the Travel Rewards Center
- 3% cash back on eligible purchases at gas and electric vehicle (EV) charging stations, office supply stores, cell phone service providers, and restaurants
- 1% cash back on all other eligible purchases
- $100 statement creditYou'll receive the statement credit within two statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider using your card. for recurring software subscription expenses, such as FreshBooks or QuickBooks
Rewards Calculator
Find out how much you can earn from the U.S. Bank Triple Cash Rewards Visa® Business Card based on your estimated annual expenses per spending category mentioned above. Use our rewards calculator to compute your potential rewards—just enter your expected annual spending on each category, and our calculator will do the rest.
U.S. Bank Business Triple Cash Rewards World Elite Visa® Calculator
Your potential annual reward earnings are:
How to Redeem Rewards
You may redeem your cash back rewards as a statement credit, a credit to your U.S. Bank Rewards card, or a deposit to your U.S. Bank business checking, savings, or money market account. Redemption can be done online or via the U.S. Bank Mobile App.
You can accumulate unlimited cash back. Accumulated rewards won’t expire as long as your credit card account remains open and in good standing.
U.S. Bank Triple Cash Rewards Visa® Business Card Features
- Account management tools: Access streamlined account management tools to help track your spending and manage your expenditures.
- U.S. Bank ExtendPay® Plan: Divide large purchases into fixed monthly payments with no interest; just pay a small monthly fee.
U.S. Bank Triple Cash Rewards Visa® Business Card Fees
APR
- Introductory on purchases: 0% for the first 12 billing cycles
- Ongoing on purchases and balance transfers: 17.74% to 26.74% variable, which will adjust with the prime rate (minimum interest charge is $1)
- Cash advance: 30.99% variable, which will adjust with the prime rate
- PenaltyThis will continue to apply until you have made six consecutive minimum payments when due and do not exceed your credit limit during that period. : 29.99% fixed; will be applied to your account if you:
- Made payments five calendar days late twice or 30 calendar days late once
- Made a returned payment
- Exceeded your credit limit two times within the past 12 months
Fees
- Annual: $0
- Balance transfer and convenience check cash advance: Either $5 or 5% of the transfer/advance, whichever is greater
- Foreign transaction: 3% of each transaction
- Cash advance, cash advance ATM, and cash equivalent advance: Either $10 or 5% of the advance, whichever is greater
- Overdraft protection: $0
- U.S. Bank ExtendPay®: Monthly fee not exceeding 1.6% of the original principal amount in an ExtendPay® Plan or ExtendPay® Loan
- Late payment: $41
- Returned payment and overlimit: $40
Note: Your due date is 24 to 30 days after the close of each billing cycle.
- In-person: Find a U.S. Bank ATM or branch near you by visiting usbank.com.
- Online: Make payments electronically via autopay or a one-time payment through the U.S. Bank website.
- Mobile app: Pay your credit card bills through the U.S. Bank Mobile App.
- Phone: Call the number found on the back of your card or call (866) 485-4545.
- Mail: Send your check or money order through regular mail or overnight delivery:
Regular mail:
Cardmember Service
PO Box 790408
St. Louis, MO 63179-0408
Overnight delivery:
Cardmember Service ATTN: 790408
824 N. 11th St.
St. Louis, MO 63101-1016
U.S. Bank Triple Cash Rewards Visa® Business Card Alternatives
American Express Blue Business Cash™ Card
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
The card lets you earn up to 2% cash back, which will be credited to your statement account without the need for manual redemption. It also comes with a $0 annual fee, 0% APR on purchases for the first 12 months, and a generous welcome offer when you meet the spending requirements. On top of that, it features Expanded Buying Power, which lets you spend over your credit limit based on your spending habits, payment behavior, credit history, and other financial factors.
Bank of America® Business Advantage Customized Cash Rewards
| Intro APR | 0% 9 billing cycles |
|---|---|
| Regular APR | 17.49% - 27.49% Variable APR on purchases |
| Annual Fee | $0.00 |
| Credit Needed | Excellent |
A unique feature of this card is that it lets you choose the spending category on which you can earn premium cash back. You can choose from gas stations and EV charging stations (default), office supply stores, travel, TV/telecom and wireless, computer services, and business consulting services. It also comes with a $0 annual fee, 0% APR on purchases for the first nine billing cycles, and a generous welcome offer.
Frequently Asked Questions (FAQs)
To apply for a U.S. Bank business credit card, you’ll need to provide your personal information, Social Security number/ITIN, and personal income. You’ll also be asked about your business, such as business structure, EIN, annual revenue, and other important information. You can apply online, and it will only take a few minutes to complete an application as long as you have all the necessary information ready.
You will typically receive an email notification if you are eligible for an ExtendPay Plan. You can also check your online account to see if the ExtendPay Plan options are available. Keep in mind that only purchases made within 60 days before signing up for the program are eligible. Also, the amount should be over $100 but less than your purchase balance when you sign up for ExtendPay.
Real-Time Rewards lets you redeem your cash back every time you make a purchase. You need to enroll in Real-Time Rewards first through your online account to be able to do this. If you have enough cash back balance in your account to cover the entire price of the item, you will receive a text message asking you if you want to redeem your rewards toward the purchase. Just reply “REDEEM” to complete the redemption.
Bottom Line
U.S. Bank Triple Cash Rewards Visa® Business Card is one of the best business credit cards if you want to save on overall credit costs. It comes with a $0 annual fee, 0% APR on purchases, lucrative rewards and bonuses, and pay over time feature without interest. That’s why it leads our list of the top business cards with no annual fee.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
American Express Blue Business CashTM Card
