Advertiser Disclosure: Katie's Travel Tricks has partnered with CardRatings for our coverage of credit card products. Katie's Travel Tricks and CardRatings may receive a commission from card issuers. Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author's alone.

Non-Affiliate Offer

U.S. Bank Triple Cash Rewards Visa® Business Card

Earns Cash Back

Welcome Offer

$750 Cash Back

Earn $750 in cash back after spending $6,000 on the Account Owner's card in the first 180 days of opening your account. Note: 180-day spend timeline is longer than typical 90-day welcome offers. Standard offer is $500 cash back; $750 is an elevated/limited-time offer.

How to Earn Rewards

5% Cash back on prepaid hotels and car rentals booked directly in the U.S. Bank Travel Center

3% Cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less per swipe), office supply stores, cell phone service providers, and restaurants. NO YEARLY CAP on bonus categories.

1% Cash back on all other eligible purchases. NO LIMIT on total cash back earned.

Key Benefits

Tap any benefit to see details.

Business Card — Does NOT Count Toward Chase 5/24

As a U.S. Bank business card, this card reports to your business credit only — not your personal credit. This business card won't show on your personal credit report, so it won't count against your 5/24 status. That's significant if you're trying to stay under or get back to 5/24.

$100 Annual Statement Credit for Recurring Software Subscriptions (FreshBooks, QuickBooks, etc.)

$100 statement credit annually for recurring software subscription expenses such as FreshBooks or QuickBooks. The credit isn't immediate — you'll need to make 12 consecutive monthly payments (a full year) before you receive it.

$0 Annual Fee — Plus Free Employee Cards (Permanently)

No annual fee — permanently. Employee credit cards are also free, with individual spending limits available via U.S. Bank Spend Management.

0% Intro APR on Purchases AND Balance Transfers for 12 Billing Cycles

0% intro APR on BOTH purchases AND balance transfers for the first 12 billing cycles. After intro: 17.24-26.24% variable. Significant for business owners financing inventory, equipment, or moving high-interest debt. Balance transfer fee: 5% / $5 minimum.

Real Time Rewards — Instant Text-Based Cash Back Redemption

Per U.S. Bank: 'Real Time Rewards is a redemption method that enables you to instantly turn your business purchases into rewards. Make a purchase, receive a text with the option to redeem cash rewards toward that purchase.' Reply 'REDEEM' to complete. Must have enough cash rewards to cover entire purchase. Unique U.S. Bank feature not common at competitors.

U.S. Bank Spend Management — Business Expense Monitoring Platform

Free access to U.S. Bank Spend Management platform for monitoring and managing business expenses. Includes individual employee spending limits, expense categorization, and reporting tools.

ExtendPay® Plan — Split Larger Purchases into Fixed Monthly Installments

Designate up to 50% of credit card line ($100 minimum) for eligible purchases and pay in monthly installments with a small fixed monthly fee instead of variable APR. Eligible: purchases made within 60 days, over $100, less than current purchase balance. Useful alternative to high-APR balance financing.

Cash Rewards Don't Expire As Long As Account Is Active

Per U.S. Bank: 'Cash Rewards do not expire as long as the account remains active.' No deadline pressure on redemptions.

3% Foreign Transaction Fee — US-Only Business Card

This card has 3% foreign transaction fees, unlike the U.S. Bank Altitude Connect personal card ($0 FTF). Not recommended for international business expenses.

Visa® Business Standard Benefits Suite

Standard Visa Business benefits including zero liability protection, purchase security (covers lost/stolen/damaged purchases), 24/7 U.S.-based customer service, fraud monitoring with alerts.

180-Day Welcome Offer Spend Period (Extended vs Typical 90 Days)

180 days to earn the welcome offer — significantly longer than the typical 90-day window on most cards. Useful for businesses with seasonal cash flow patterns or larger one-time business purchases.

Sole Proprietorship and Side Business Eligible (No EIN Required)

Like most business cards, sole proprietors and people running side businesses can apply using their SSN — no EIN required. Recommended credit score 670+, 740+ best chances. At least 2 years credit history recommended.

Katie's Take

Why this card might (or might not) be right for you.

Show Hide

When this offer goes to $750 cash back it's a very solid offer for a no-annual fee business card. This offer gives you straight cash back. Also a great option if you're trying to stay under 5/24 (or get back there).

It even has a $100 annual credit for some business subscriptions — just keep in mind that you'd need to make 12 consecutive payments before you'll get this.

Benefits Calculator

What's the U.S. Bank Triple Cash Rewards Visa® Business Card worth to you? Get a personalized estimate.

Calculate Hide

U.S. Bank Triple Cash Rewards Visa® Business Card Benefits Calculator

Enter your personal estimated annual value for each benefit to see a customized calculation of the card's worth.

$100 Annual Statement Credit for Recurring Software Subscriptions (FreshBooks, QuickBooks, etc.) $100 statement credit annually for recurring software subscription expenses such as FreshBooks or QuickBooks. The credit isn't immediate — you'll need to make 12 consecutive monthly payments (a full year) before you receive it.

Your Total Annual Value

Annual Fee: $0

Your Net Value / Cost

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

View History Hide

Offer	Spend Req.	Date
$750 Cash BackCurrentElevated	$6,000 in 180 days	Current elevated public offer (May 2026)
$500 Cash Back	Standard spend	Standard offer; baseline returned to between elevated periods

Benefit Activation Checklist

Step-by-step guide to activate and maximize every benefit on this card.