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Chase Freedom Unlimited vs US Bank Triple Cash Rewards Business

Both are well-respected travel cards. The Chase Freedom Unlimited comes from Chase at $0/yr; the US Bank Triple Cash Rewards Business from U.S. Bank at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the US Bank Triple Cash Rewards Business is the stronger pick today, the sign-up bonus is meaningfully larger ($550 more in estimated value) than the Chase Freedom Unlimited's. Get the US Bank Triple Cash Rewards Business first; revisit the Chase Freedom Unlimited after you've earned that bonus.

FeatureChase Freedom UnlimitedUS Bank Triple Cash Rewards Business
Annual fee$0$0
Sign-up bonus$200 bonus$750 cash back
Bonus value (est.)$200$750
Min spend to unlock bonus$500 in 3 mo$6,000 in 6 mo
IssuerChaseU.S. Bank
Card categorycashbackbusiness
Best earning category (Travel)5x1x
Transfer partnerschase-urNone
Headline benefits
  • 1.5% everywhere
  • 5% on travel via Chase
  • 3% dining + drugstores
  • Free if paired with Sapphire
    Read the full review
    Chase Freedom Unlimited
    $0/yr · $200 bonus
    Read the full review
    US Bank Triple Cash Rewards Business
    $0/yr · $750 cash back

    Editorial take: Chase Freedom Unlimited

    The best no-fee cash back card in the Chase family. Stack it with a Sapphire and your cash back converts into transferable Ultimate Rewards points, a free upgrade most people miss. Note: Cell phone protection is on Freedom Flex, not Freedom Unlimited.

    Editorial take: US Bank Triple Cash Rewards Business

    Common questions

    Which card has the bigger sign-up bonus, Chase Freedom Unlimited or US Bank Triple Cash Rewards Business?
    The US Bank Triple Cash Rewards Business has the bigger bonus, $750 cash back, worth roughly $750, versus $200 bonus (~$200) on the Chase Freedom Unlimited.
    Is the Chase Freedom Unlimited's $0 annual fee worth it compared to the US Bank Triple Cash Rewards Business?
    The Chase Freedom Unlimited has no annual fee, so the question is whether the US Bank Triple Cash Rewards Business's $0 fee is justified by its perks. If you'll use enough of the US Bank Triple Cash Rewards Business's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Chase Freedom Unlimited.
    Can I have both the Chase Freedom Unlimited and US Bank Triple Cash Rewards Business?
    Yes, since they're from different issuers (Chase and U.S. Bank) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
    Should I get the Chase Freedom Unlimited or the US Bank Triple Cash Rewards Business first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Freedom Unlimited: $500 spend in 3 months. US Bank Triple Cash Rewards Business: $6,000 in 6 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

    Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.