U.S. Bank Triple Cash Rewards Business Card Review
Overview
The U.S. Bank Triple Cash Rewards Business Card is a category rewards card from U.S. Bank, running on the Visa network. The U.S. Bank Triple Cash Rewards Business Card earns up to 3x on office supplies, phone bills, and dining, so it pays you the most exactly where you already spend. There is no annual fee, which means every dollar of rewards is pure profit. New cardholders can earn $750 cash back after $6,000 in 180 days.
It earns its keep without an annual fee, which is rare for a card with real bonus categories. That combination makes it a strong everyday keeper that you never have to justify paying for.
Think twice if: your spending does not line up with its bonus categories, or if you would rather not think about where you swipe at all.
Our 4.0 out of 5 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Rewards: how it earns
Where the U.S. Bank Triple Cash Rewards Business Card earns its rewards is its bonus categories: 3% back on office supplies (about $90 a year on the $3,000 a business typically spends there), 3% back on phone bills (about $54 a year on the $1,800 a business typically spends there), and 3% back on dining (about $72 a year on the $2,400 a business typically spends there). Across a full year of business spending, the card returns roughly $630 in rewards before any welcome bonus, so the more your spending overlaps those categories, the better it does.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 3% back | Bonus category |
| Gas | 3% back | Bonus category |
| Office supplies | 3% back | Bonus category |
| Phone and internet bills | 3% back | Bonus category |
| Groceries | 1% back | Base rate |
| Travel | 1% back | Base rate |
| Streaming | 1% back | Base rate |
| Everything else | 1% back | Everything else |
Brand and bonus rates: beyond the everyday categories above, this card also earns:
- 5% cash back on prepaid hotels and car rentals via the U.S. Bank Travel Center
The fine print on rates: The 3% gas rate is limited to transactions of $200 or less.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Pros and cons
- 3x on office supplies
- 3x on phone bills
- 3x on dining
- 3x on gas
- No annual fee
- Welcome offer worth about $750
- Few real drawbacks for the right user
The welcome bonus
The current welcome offer is $750 cash back, earned after you spend $6,000 in 180 days. Valued honestly at a flat 1 cent per point, that is worth about $750. Stacking the welcome offer on top of a typical year of rewards and accounting for no annual fee, the first year is worth roughly $1,380.
Is the annual fee worth it?
The U.S. Bank Triple Cash Rewards Business Card has no annual fee, so there is no break-even math to worry about. Every dollar of rewards is profit, and you can keep it open for free, which also helps the average age of your credit over time.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- $100 annual credit for recurring software subscriptions
- Free employee cards
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
It is best for small-business owners and freelancers who want to separate business spending, earn on it, and hand out employee cards at no extra cost.
Skip it if your spending does not line up with its bonus categories, or if you would rather not think about where you swipe at all.
Frequently asked questions
Best-card guides featuring this card
Offer details verified against issuer sources as of June 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
