U.S. Bank Triple Cash Rewards Business Card Review
Overview
The U.S. Bank Triple Cash Rewards Business is a strong no-annual-fee business card: 3% back on gas, office supplies, cell phone service, and dining, for free, plus an annual software credit. Those are real business categories, and 3% on them with no fee is genuinely good.
For a small business that spends in those areas, this is one of the better free cards, with a solid welcome bonus to boot.
Think twice if: your spending falls outside those categories, since the base rate is ordinary.
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
You earn 3% on gas, office supplies, cell phone service, and dining, and 1% elsewhere, with no annual fee, plus a modest annual software-subscription credit. The 3% categories are well-chosen for a business, making this a strong free earner where your spending fits.
| 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
- No annual fee
- 3% on gas, office supplies, phone, and dining
- Annual software-subscription credit
- Strong $750 welcome bonus
- Only 1% outside its categories
- Cash back only, no transfer upside
- Less useful outside its bonus categories
The welcome bonus
The welcome bonus is strong for a free card: $750 cash back after $6,000 in 180 days. A good year-one payout with no fee.
Is it worth the annual fee?
There is no annual fee, so there is nothing to justify. Free 3% on core business categories plus a software credit makes this an easy hold for a business that spends in those areas.
First-year value vs ongoing value
| Welcome bonus | $750 cash back |
| To earn it | $6,000 in 180 days |
| Est. first-year value* | $1,380 |
| Est. ongoing value / yr* | $630 |
The welcome bonus makes year one the high point: roughly $1,380 in value once you count the bonus, this card’s rewards, and its credits, minus the no fee. After that, the honest figure is about $630 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
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
If your business spends on gas, office supplies, phone, or dining, this free card is a strong earner, 3% on those categories with no fee is hard to beat, and the welcome bonus adds to it.
If your spending is outside those categories, a flat-rate business card may serve you better. But for the right spending profile, this is a great free pick.
Frequently asked questions
Best-card guides featuring this card
Offer details verified against issuer sources as of August 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
