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PenFed Platinum Rewards Visa Signature Card vs US Bank Triple Cash Rewards Business
Both are well-respected travel cards. The PenFed Platinum Rewards Visa Signature Card comes from PenFed 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 ($622 more in estimated value) than the PenFed Platinum Rewards Visa Signature Card's. Get the US Bank Triple Cash Rewards Business first; revisit the PenFed Platinum Rewards Visa Signature Card after you've earned that bonus.
| Feature | PenFed Platinum Rewards Visa Signature Card | US Bank Triple Cash Rewards Business |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | 15,000 bonus points after $1,500 spend in 90 days | $750 cash back |
| Bonus value (est.) | $128 | $750 |
| Min spend to unlock bonus | $1,500 in 3 mo | $6,000 in 6 mo |
| Issuer | PenFed | U.S. Bank |
| Card category | cashback | business |
| Best earning category (Gas) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
PenFed Platinum Rewards Visa Signature Card
$0/yr · 15,000 bonus points after $1,500 spend in 90 days
Read the full review
US Bank Triple Cash Rewards Business
$0/yr · $750 cash back
Editorial take: US Bank Triple Cash Rewards Business
Common questions
- Which card has the bigger sign-up bonus, PenFed Platinum Rewards Visa Signature Card 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 15,000 bonus points after $1,500 spend in 90 days (~$128) on the PenFed Platinum Rewards Visa Signature Card.
- Is the PenFed Platinum Rewards Visa Signature Card's $0 annual fee worth it compared to the US Bank Triple Cash Rewards Business?
- The PenFed Platinum Rewards Visa Signature Card 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 PenFed Platinum Rewards Visa Signature Card.
- Can I have both the PenFed Platinum Rewards Visa Signature Card and US Bank Triple Cash Rewards Business?
- Yes, since they're from different issuers (PenFed 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 PenFed Platinum Rewards Visa Signature Card or the US Bank Triple Cash Rewards Business first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. PenFed Platinum Rewards Visa Signature Card: $1,500 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.