US Bank Triple Cash Rewards Business

Key Benefits

All Benefits

• Welcome offer: one-time $750 cash back awarded if eligible Net Purchases totaling $6,000 or more are made to the Account Owner's Card within 180 days from account opening; please allow 1-2 statement billing cycles after meeting the spend requirement for the cash back to be credited (per U.S. Bank Triple Cash Rewards Visa Business Card product page footnote 1 New Credit Card Enrollment Bonus disclosure)
• Welcome bonus value: $750 cash back equals $750 redemption value at the maximum 1:1 cash redemption rate when redeemed as a statement credit or deposit into an eligible U.S. Bank account; redemption value may differ when redeemed for a U.S. Bank Rewards Card or other rewards (per U.S. Bank Triple Cash Rewards Visa Business Card product page footnote 1 Maximum Cash Rewards value disclosure)
• Welcome bonus eligibility: only Net Purchases on the Account Owner's Card (the card assigned to the initial applicant) count toward the $6,000 spend; purchases on employee cards do NOT count toward the bonus (per U.S. Bank Triple Cash Rewards Visa Business Card product page footnote 1 'The Account Owner's Card is the card assigned to the initial applicant of the account and would not include cards used by authorized employees')
• Annual fee: $0 every year, and employee credit cards are also free with no per-card fee, so businesses can issue cards to staff at no additional cost (per U.S. Bank Triple Cash Rewards Visa Business Card product page FAQ 'There is no annual fee and employee credit cards are free')
• Earn 3% cash back per $1 spent in eligible Net Purchases at restaurants and restaurant delivery merchants, office supply stores, cell phone service providers, and gas and electric vehicle charging stations; wholesale clubs and discount stores/supercenters that sell fuel are explicitly excluded from the 3% category and earn 1% instead (per U.S. Bank Triple Cash Rewards Visa Business Card product page footnote 2 earnings disclosure)
• Gas and EV charging transaction cap: purchases of gasoline or electric vehicle charging greater than $200 per transaction are not deemed automotive fuel purchases and will earn only 1% Cash Back instead of 3%, so split large fuel-fleet fill-ups across multiple transactions to retain the 3% bonus (per U.S. Bank Triple Cash Rewards Visa Business Card product page footnote 2 'Purchases of gasoline or electric vehicle charging greater than $200 will not be deemed to be a purchase of automotive fuel and as such will earn a reward of 1%')
• Earn 1% cash back per $1 spent on all other eligible Net Purchases that do not fall into the 3% restaurants / office supply / cell phone / gas+EV category (per U.S. Bank Triple Cash Rewards Visa Business Card product page footnote 2 'All other Net Purchases may earn 1% Cash Back')
• No cap on total cash back: there is no limit on the total amount of cash back cardmembers can earn across either the 3% bonus categories or 1% baseline spend, making the card suitable for high-volume business spending in eligible categories (per U.S. Bank Triple Cash Rewards Visa Business Card product page FAQ 'There is no limit on the total amount of cash back cardmembers can earn' and product page callout 'There is no limit on the total rewards you can earn')
• Earn 5% cash back (1% base plus 4% additional Cash Back) per $1 spent in eligible Net Purchases on prepaid car and hotel reservations purchased in the U.S. Bank Travel Center using the Triple Cash Visa Business Card; please allow 1-2 statement billing cycles for Cash Back to appear (per U.S. Bank Triple Cash Rewards Visa Business Card product page footnote 5 Travel Center earnings disclosure)
• $100 annual software service credit: an automatic statement credit of $100 per 12-month period is applied to the account within 1-2 statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider such as FreshBooks or QuickBooks (per U.S. Bank Triple Cash Rewards Visa Business Card product page footnote 3 software credit disclosure)
• Software credit eligibility: eligible software service providers are identified by their Merchant Category Code (MCC); purchases of software made at discount/retail stores or through online retailers (e.g., Amazon, Walmart) may not qualify, and U.S. Bank reserves the right to adjust or reverse any portion of the credit for unauthorized purchases or transaction credits (per U.S. Bank Triple Cash Rewards Visa Business Card product page footnote 3 'Eligible software service providers are identified by their Merchant Category Code (MCC) and purchases made at discount/retail stores or online retailers may not qualify')
• 0% introductory APR on purchases for the first 12 billing cycles from account opening, after which the APR adjusts to a variable purchase APR; the introductory rate does not apply to cash advances and ends early if a late payment, returned payment, or over-limit event occurs (per U.S. Bank Triple Cash Rewards Visa Business Card product page footnote 4 intro APR disclosure)
• 0% introductory APR on balance transfers for the first 12 billing cycles, but only on balance transfers made within 30 days of account opening; balance transfers submitted at time of application are held for 10 days before processing, and balance transfers from other U.S. Bank National Association accounts are not permitted (per U.S. Bank Triple Cash Rewards Visa Business Card product page footnote 4 balance transfer disclosure)
• Balance transfer fee: 5% of each transfer amount with a $5 minimum applies to every balance transfer, including those made under the 0% intro APR offer, so factor the 5% fee against the interest savings before transferring a balance (per U.S. Bank Triple Cash Rewards Visa Business Card product page footnote 4 'Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply')
• Cash back redemption options: redeem cash rewards as a statement credit, deposit to a qualifying U.S. Bank account, a U.S. Bank Rewards Card, or instantly via Real-Time Rewards; establishment or ownership of a U.S. Bank account or other relationship with U.S. Bank is not required to redeem (per U.S. Bank Triple Cash Rewards Visa Business Card product page FAQ and footnote 1/7 redemption disclosure)
• Maximum cash redemption value of 1:1 applies when cash rewards are redeemed for a statement credit or deposit into an eligible U.S. Bank Account; redemption value may differ for U.S. Bank Rewards Card or other reward types, and minimum redemption amounts may vary and are subject to change without notice (per U.S. Bank Triple Cash Rewards Visa Business Card product page footnote 1/7 Maximum Cash Rewards value disclosure)
• Cash Rewards expiration: Cash Rewards expire if there is no reward, purchase, or balance activity on the account for 12 consecutive statement cycles, so a single small purchase per year is sufficient to keep rewards from forfeiture (per U.S. Bank Triple Cash Rewards Visa Business Card product page footnote 7 'Cash Rewards will expire if there is no reward, purchase, or balance activity on your account for 12 consecutive statement cycles')
• Real-Time Rewards: once enrolled, after making a qualifying purchase on the Triple Cash Rewards card the cardholder receives an SMS text asking whether to redeem; reply 'REDEEM' to apply cash rewards as a statement credit covering the entire purchase, with the rewards deducted from the cash rewards balance (per U.S. Bank Triple Cash Rewards Visa Business Card product page FAQ Real-Time Rewards disclosure)
• Real-Time Rewards minimum: the cardholder must have enough cash rewards to cover the entire purchase in order to receive the Real-Time Rewards SMS prompt; partial redemptions covering only a portion of a purchase are not available through Real-Time Rewards (per U.S. Bank Triple Cash Rewards Visa Business Card product page FAQ 'You must have enough cash rewards to cover the entire purchase in order to receive the text message to redeem')
• Free employee cards: U.S. Bank does not charge an annual fee for employee cards on the Triple Cash Rewards Business card, and purchases made on employee cards earn cash back at the same 3%/1% tiers as the Account Owner's card; employee identity is verified during enrollment but does not affect the employee's personal credit (per U.S. Bank Triple Cash Rewards Visa Business Card product page FAQ Employee Cards 'We use this information to verify their identity, but it will not affect their credit')
• ExtendPay Plan: pay off eligible Purchase balances in fixed monthly installments with no interest charges, just a small fixed monthly fee; up to 50% of the credit card line ($100 minimum) in eligible purchases can be enrolled, only the company's Authorized Officer can enroll, and only Purchase balances are eligible (Advances, Balance Transfers, interest, fees, and the Annual Fee are not eligible) (per U.S. Bank Triple Cash Rewards Visa Business Card product page footnote 6 ExtendPay Plan disclosure)
• ExtendPay intro offer: new cardmembers receive a $0 ExtendPay fee offer on ExtendPay Plans opened in the first 60 days after account opening; eligible Purchases must be over $100, made within 60 days prior to enrollment, and less than the current Purchase balance (per U.S. Bank Triple Cash Rewards Visa Business Card product page footnote 6 ExtendPay intro disclosure)
• U.S. Bank Spend Management: cardholders get access to U.S. Bank Spend Management, an integrated platform for monitoring card spend, managing employee cards, setting spend controls, and tracking business expenses (per U.S. Bank Triple Cash Rewards Visa Business Card product page Elite Benefits section 'U.S. Bank Spend Management')
• Visa Business benefits: as a Visa Business card (not Visa Signature Business), cardholders receive the Visa Business benefit suite including Visa Business Card Cardmember Agreement protections; Visa Signature-tier perks (auto rental CDW, lost luggage insurance, travel and emergency assistance) are NOT advertised on the product page for this card and should be treated as not provided unless documented in the current Visa Business Guide to Benefits for this card (per U.S. Bank Triple Cash Rewards Visa Business Card product page card title 'Visa Business Card' versus 'Visa Signature' branding used on premium U.S. Bank business cards)
• Foreign transaction fees: not addressed on the U.S. Bank Triple Cash Rewards Visa Business Card product page; per The Points Guy and NerdWallet reviews of this card, foreign transactions are charged a 3% foreign transaction fee, so this card is poorly suited for international purchases and travel and a no-FX-fee business card should be used abroad instead (per U.S. Bank Triple Cash Rewards Visa Business Card Cardmember Agreement fee schedule and The Points Guy / NerdWallet reviews)
• Net Purchases definition: rewards are earned only on Net Purchases (purchases minus credits and returns); transactions that do not earn rewards include Convenience Checks, Balance Transfers, Advances (ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, lottery tickets), interest charges and fees, credit insurance premiums, and transactions to fund prepaid card products, buy currency from the U.S. Mint, or buy cash-convertible items (per U.S. Bank Triple Cash Rewards Visa Business Card product page Applies to All Reward Information disclosure)
• Merchant category coding: each merchant's business is identified by a category code established by Visa, and a Purchase will not earn the 3% bonus if the category code applied to the merchant is not eligible; U.S. Bank does not determine the category codes applied to merchants and reserves the right to determine which Purchases qualify for additional rewards (per U.S. Bank Triple Cash Rewards Visa Business Card product page Applies to All Reward Information disclosure)
• Account good standing required: the account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits; a statement credit redemption does not satisfy the minimum payment requirement (per U.S. Bank Triple Cash Rewards Visa Business Card product page disclosure)
• Transfer partners to airline or hotel loyalty programs: Not offered (the Triple Cash Rewards Business Card earns cash back, not transferable points; rewards can only be redeemed as statement credit, deposit to a U.S. Bank account, a U.S. Bank Rewards Card, or via Real-Time Rewards; no airline or hotel transfer partner conversion is available, per U.S. Bank Triple Cash Rewards Visa Business Card product page FAQ redemption list)
• Airport lounge access (Priority Pass or otherwise): Not offered (the Triple Cash Rewards Visa Business Card product page does not include any complimentary Priority Pass, Lounge Club, or U.S. Bank-branded lounge membership; lounge access is reserved for premium U.S. Bank business cards like the Business Altitude Connect, so cardholders should treat lounge access as not provided)
• Annual TSA PreCheck / Global Entry application fee credit: Not offered (the U.S. Bank Triple Cash Rewards Visa Business Card product page does not include a TSA PreCheck or Global Entry statement credit; this credit is reserved for premium U.S. Bank cards such as the Altitude Reserve and is not part of the Triple Cash benefit set)
• Cell phone protection: Not advertised on the U.S. Bank Triple Cash Rewards Visa Business Card product page; while cell phone protection appears on certain other U.S. Bank cards' Guide to Benefits, it is not surfaced as a benefit for the Triple Cash Rewards Business card and should be treated as not provided unless confirmed in the current Visa Business Guide to Benefits for this specific card