U.S. Bank Triple Cash Rewards Visa® Business Card
U.S. Bank
No Annual Fee
Annual Fee
visaGood → Excellentbusinesscash-backno-annual-fee16 days ago
Welcome Offer
$750Spend $6,000 within 6 months
OpenCard analysis
Is the U.S. Bank Triple Cash Rewards Visa Business Card right for you?
The U.S. Bank Triple Cash Rewards Visa Business is a no-annual-fee business cash-back card from U.S. Bank. Its strongest everyday earning is 3% on cell phone service providers, with 1% on most other purchases. With no fee, the question is simply whether 3% on cell phone service providers beats what your current card earns there.
Who it's for
- ✓ Business owners who want business spending on its own card
- ✓ People who spend steadily on cell phone service providers, where it earns 3%
- ✓ Anyone who wants cell phone service providers rewards without paying an annual fee
Who should skip it
- — Anyone spending abroad — it charges a 3% foreign transaction fee
- — Travelers who prefer booking directly rather than through U.S. Bank Travel Center
- — Applicants without a business or business income
First-year value estimate
Welcome bonus
$750
Rewards on spending
$180
Annual fee (year 1)
−$0
Year 1, before credits
$930
Year two, without the welcome bonus: about $180 before credits ($180 in rewards minus the $0 fee).
Assumptions
- $3,000 a year in cell phone service providers (3%) and $9,000 on everything else (1%) — $12,000 total, about $1,000 a month.
- Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
- Welcome bonus: the $750 bonus at face value ≈ $750.
- No annual fee in any year.
- Recurring credits are listed separately below and are not counted here.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-10-03.
How the fee is offset by credits
With no annual fee, any credit you use is pure upside.
| Credit | Terms | Per year (face value) |
|---|---|---|
| $100 annual software credit | $100 per year | $100 |
| Total face value | $100 | |
How it compares
Amazon Business American Express →
American Express, same $0 annual fee; earns 3% on Amazon Business, AWS, Amazon.com, Whole Foods.
Amazon Business Prime →
American Express, same $0 annual fee; earns 3% on Amazon.com and Whole Foods.
American Express Blue Business Cash →
American Express, same $0 annual fee; earns 2% on everything.
Rules and gotchas
- The welcome bonus requires $6,000 in 6 months — roughly $1,000 a month. That fits inside the $1,000 a month in our illustration.
- A 3% foreign transaction fee applies to purchases processed outside the US.
Frequently asked questions
- Does the U.S. Bank Triple Cash Rewards Visa Business have an annual fee?
- No. Our record lists a $0 annual fee for the U.S. Bank Triple Cash Rewards Visa Business.
- What does the U.S. Bank Triple Cash Rewards Visa Business earn?
- 3% on Gas and EV charging stations, 3% on office supply stores, 3% on cell phone service providers, 3% on restaurants, and 1% on other purchases.
- Is the U.S. Bank Triple Cash Rewards Visa Business worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in cell phone service providers), the first year comes out around $930 before credits, including a welcome bonus valued at $750. Year two drops to about $180 before credits.
- Does the U.S. Bank Triple Cash Rewards Visa Business charge foreign transaction fees?
- Yes, 3% on purchases processed outside the US, so keep another card for travel abroad.
- What credit do I need for the U.S. Bank Triple Cash Rewards Visa Business?
- Our record lists "Good to Excellent" credit as the typical target for the U.S. Bank Triple Cash Rewards Visa Business. As a business card, the application also asks about the business. U.S. Bank makes the final decision based on its own criteria.
Earning Rates
3×Gas and EV charging stations3% cash back on eligible gas and EV charging station purchases; transactions of $200 or less.
3×Office supply stores3% cash back on eligible office supply store purchases.
3×Cell phone service providers3% cash back on eligible cell phone service provider purchases.
3×Restaurants3% cash back on eligible restaurant purchases.
5×Prepaid hotels and car rentals through Travel Center5% cash back on prepaid hotels and car rentals booked directly in the U.S. Bank Travel Center.
1×All other eligible purchases1% cash back with no total rewards cap.
Benefits & Credits
$100
$100 annual software credit
$100 statement credit for recurring software subscription purchases (requires $100 spend annually to unlock)
/yearOther Benefits
0% intro APR
0% intro APR on purchases and balance transfers for first 12 billing cycles
Employee cards at no cost
Free employee cards with custom spend controls
Insurance
Rental InsuranceSecondary
Purchase Protection
Extended Warranty
Sources
Last Updated: Oct 3, 2026