US Bank Triple Cash Rewards Business Credit Card Review
Key Takeaways
We do not recommend this card for travel-focused users. Unlike other U.S. Bank options, you can’t redeem rewards through their travel portal with the Triple Cash, and there are no airline or hotel partners. That combination significantly limits value, making better options available elsewhere.
Why This Card Could Be Right For You
The U.S. Bank Triple Cash Rewards card offers a compelling package for business owners who are only seeking cash back benefits without annual fee commitments. Here are the key features:
- Strong welcome offer: 50,000 (current special 75,000) points in the form of cash back after spending $4,500 (currently $6,000) in the first 6 months of card ownership
- Extended qualification period: Six full months to meet the spending requirement, which is more generous than the typical 3-month window
- Category bonuses: Earn 3% cash back on gas, EV charging, office supply stores, cell service, and restaurants
Beyond these core benefits, the card provides additional value through travel bookings. When you reserve hotels and/or car rentals through their portal, you'll receive 5% back, allowing you to maximize your rewards beyond the welcome offer.
Another notable benefit is the $100 credit for recurring software subscriptions such as FreshBooks or QuickBooks. This represents value for a card with no annual fee and can help offset essential business expenses.
However, redemption options remain limited compared to more travel-focused cards. Your choices include statement credits, deposits to qualifying U.S. Bank accounts, or instant redemptions via Real-Time Rewards. With no transfer partners available, you're capped at 1 cent per point in value, and unlike some other U.S. Bank products, you cannot use these rewards to book travel through their portal.
When The Usual Advice Doesn't Apply
The exceptions where this card might not be good for you:
- If you entered this hobby to obtain free travel, U.S. Bank's lack of travel partners for point transfers significantly limits how you can redeem your cash back/points
What to Know About U.S. Bank Rewards
U.S. Bank Rewards offers straightforward redemptions, but if you have an Altitude Reserve, you can unlock additional value through transfer partners.
- Most U.S. Bank rewards are worth 1 cent each when redeemed for eligible travel or cash back, although redemption options and values vary by card.
- The U.S. Bank Altitude Reserve offers transfers to a small group of airline and hotel partners, giving cardholders another way to use their points. Unfortunately the card remains closed to new applicants.
- U.S. Bank Rewards is best for travelers who value simple redemptions.
- Transfer partners add more upside for Altitude Reserve cardholders, but the program remains more limited than the major transferable points programs.
How The US Bank Triple Cash Rewards Business Credit Card Fits In The U.S. Bank Rewards Ecosystem
There are 3 other U.S. Bank business credit cards to compare with the Triple Cash Card:
- U.S. Bank Altitude Connect Business: Offers a lower welcome offer of 60,000 points (equivalent to $600) after $6,000 in purchases within 180 days. Its strengths include 4x points on all travel-related purchases and 2x points on dining, takeout, restaurant delivery services, and cell service. Like the Triple Cash, it offers 5x on prepaid hotels and car rentals through the portal. The $95 annual fee is waived for the first year.
- U.S. Bank Business Leverage: Features a $95 annual fee (waived for the first year) and offers a 60,000 sign-up bonus in the form of cash back after spending $6,000 in 120 days. What makes this card unique is its automatic 2x points on your top two spending categories. We consider the Leverage card to have the highest first-year value among all 4 U.S. Bank business cards.
The U.S. Bank Business Altitude Power stands out with the highest annual fee at $195. It matches the Leverage card's 75,000 point sign-up bonus but requires a higher spending threshold, $10,000 within the first 120 days. Its primary benefits include:
- 2x points on all purchases with no limit
- 2.5x points on up to $5,000 in mobile wallet purchases each quarter
- 6x points on prepaid hotels and car rentals booked through their portal
Card Information
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