Great Card If
- Business owners who want cash-back rewards with no annual fee
- You have significant business expenses that fall within the 3% or 5% cash-back categories
Don’t Get If
- You prefer a card that earns flexible or travel rewards
- The majority of your business expenses don’t fall within the bonus categories
U.S. Bank Triple Cash Visa Business Card — Is It Worth It?
The U.S. Bank Triple Cash Visa Business card is a worthwhile option for business owners looking to rack up the cash-back rewards on the card’s 3% and 5% cash-back categories with a $0 annual fee.
The card has other valuable features, including a 0% introductory APR offer and a $100 annual credit for recurring software subscription expenses such as FreshBooks or QuickBooks. If you’re already paying for one of those software subscriptions, adding the U.S. Bank Triple Cash Visa Business card to your wallet will save you money each year.
U.S. Bank Triple Cash Visa Business Card Top Benefits and Perks
The U.S. Bank Triple Cash Visa Business card doesn’t have extensive benefits, but a few are worth mentioning.
- $100 annual credit for recurring software subscriptions: This applies to software services like FreshBooks or QuickBooks
- 0% Intro APR: Get a 0% introductory APR rate on new purchases for 12 months
- No annual fee: Use your card without an annual fee to pay each year
Best Ways To Earn and Redeem Your Cash-Back Rewards
Use your U.S. Bank Trip Cash Visa Business card for purchases that earn 3% and 5% cash-back to earn the most rewards. You’ll earn 3% cash-back at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants, and 5% cash-back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
Once ready to redeem your rewards, you can easily do so for a statement credit, as a deposit into a qualifying U.S. Bank account, or to offset travel purchases made with the U.S. Bank Travel Rewards Center.
Alternative Cards to the U.S. Bank Triple Cash Visa Business Card
The Ink Business Unlimited card is one of our favorite $0-annual-fee business cards. It earns an uncapped 1.5% back on all purchases, so there is no need to track whether you’re using the right card for a bonus category.
It comes with great perks such as a large welcome bonus offer, auto rental collision damage waiver, purchase protection, and extended warranty protection. Plus, it also offers a 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter.
The Amex Blue Business Cash card is another great $0-annual-fee business card option (rates & fees), that earns 2% cash-back on up to $50,000 in purchases each year and 1% thereafter. This makes it an excellent choice for small business owners whose annual expenses don’t exceed that threshold.
It also offers useful perks like purchase protection, extended warranty protection, and car rental loss and damage insurance.
For the car rental loss and damage insurance benefit of The American Express Blue Business Cash™ Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
For the purchase protection benefit of The American Express Blue Business Cash™ Card, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the extended warranty benefit of The American Express Blue Business Cash™ Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
