US Bank Triple Cash Rewards Business Credit Card Review
Key Takeaways
The U.S. Bank Triple Cash Rewards Business card is similar to the U.S. Bank Business Leverage card except for one key feature, which is why we rank this one lower. You cannot use the rewards from this card on their travel portal, and redeeming for free travel is the main purpose of this hobby. While the high welcome offer is enticing, especially for a no annual fee card, we don't particularly like the U.S. Bank rewards system. They don't have any hotel or airline transfer partners, and since you can't even use the rewards on their travel portal with this card, there's limited value in obtaining it. Getting a U.S. Bank card makes sense in certain situations, but if you plan to get a card from this bank, the Triple Cash is not our recommended choice.
Why This Card Could Be Right For You
The U.S. Bank Triple Cash Rewards card offers a compelling package for business owners seeking cash back benefits without annual fee commitments. Here are the key features:
- Strong welcome offer: $750 cash back after spending $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 significant 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
How The US Bank Triple Cash Rewards Business Credit Card Fits In The US Bank Flex Perks 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 $0 annual fee (waived for the first year) and offers a $750 sign-up bonus after spending $7,500 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
When considering your options within the U.S. Bank ecosystem, each card offers distinct advantages depending on your business spending patterns and reward preferences.
Card Information
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 75,000 | $6,000 | 1.1 ¢ | $0 | $0 |
$891
|
Award System
Current Offer
$6,000 spend.
Spend Categories
1X points
1.1¢ Per Dollar Spent
3X points
3.3¢ Per Dollar Spent
3X points
3.3¢ Per Dollar Spent
3X points
3.3¢ Per Dollar Spent
3X points
3.3¢ Per Dollar Spent
Point Transfer Options
Transfer To Spouse/Partner Yes
Transfer To Friends Yes
Travel Partner Transfers
Outside Point System US Bank Flex Perks
Transfers Out To
1:1 91% value retained
