US Bank
US Bank Business Triple Cash Rewards Benefits, Credits & Annual Fee
No annual fee
A no-annual-fee business card that earns 3% cash back at gas stations, EV charging stations, office supply stores, cell phone providers, and restaurants, plus 1% on everything else. Best for small business owners who spend heavily in those everyday business categories.
- 5%Prepaid Hotels +1
- 3%Select Business Categories
- $100Software Subscription
$100/yr in credits · $0 annual fee
Maintained by Creddy Editorial · Catalog checked Oct 9, 2026
US Bank Business Triple Cash Rewards at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- US Bank
- Credits:
- 1 recurring, up to $100 a year
US Bank Business Triple Cash Rewards Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Everything else | 1x |
Bonus category rates for this card are still being added.
Who Should Get the US Bank Business Triple Cash Rewards?
The US Bank Business Triple Cash Rewards fits people who want one flat rate: 1x on every purchase. It has no annual fee, so it costs nothing to keep. It is a business card.
Is the US Bank Business Triple Cash Rewards Worth It?
The US Bank Business Triple Cash Rewards has no annual fee. Creddy lists 1 trackable credit worth up to $100 a year if you use it, so anything you use is value on top of your rewards.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
US Bank Business Triple Cash Rewards Welcome Bonus
Earn $750 cash back after spending $6,000 in 180 days
Offer history
- Usual
- $750
- Highest seen
- $750
Tracked since Oct 2024
US Bank Business Triple Cash Rewards Statement Credits and When They Reset
- Software Subscription Statement Credit$100 / yrTrackable
Get a $100 statement credit each year toward recurring software subscriptions, like FreshBooks or QuickBooks, charged directly to your card. Make eligible software purchases for 11 consecutive months and the credit posts automatically within 1-2 billing cycles. The credit resets every 12-month period from account opening.
Resets: Rolling 12 monthsChecked Jul 4, 2026
More US Bank Business Triple Cash Rewards Card Benefits
Bonus Earnings
- 5% Cash Back on Prepaid Hotels and Car Rentals via Travel Center5%
Earn 5% cash back (1% base plus 4% additional) on eligible prepaid hotel and car rental reservations purchased in the U.S. Bank travel center with this card.
Checked Sep 14, 2026 - 3% Cash Back on Select Business Categories3%
Earn 3% cash back on purchases at restaurants and food delivery services, office supply stores, cell phone service providers, and gas and EV charging stations. Gas and EV charging transactions must be $200 or less to qualify at 3%. Purchases at wholesale clubs and discount superstores are excluded from this rate.
Checked Oct 1, 2026 - 1% Cash Back on All Other Purchases1%
Earn 1% cash back on all other eligible net purchases that are not in a higher bonus category. No limit on total rewards earned.
Checked Oct 1, 2026
Fees & Miscellaneous
- No Annual Fee$0 / yr
There is no annual fee to carry this card. Employee cards are also free, so adding team members to your account costs nothing.
Checked Jul 4, 2026 - 0% Introductory APR on Purchases and Balance Transfers
Pay 0% APR on new purchases and balance transfers for the first 12 billing cycles. Balance transfers must be initiated within 30 days of account opening to qualify for the intro rate. After the intro period ends, the standard variable APR applies.
Checked Oct 7, 2026 - Foreign Transaction Fee3% / yr
A 3% fee applies to each purchase made outside the U.S. or in a foreign currency.
Checked Oct 9, 2026 - Free Employee Credit Cards$0 / yr
Add employee credit cards to your account at no cost. Each employee gets their own card, helping you track business spending without paying extra fees per card.
Checked Jul 4, 2026
US Bank Business Triple Cash Rewards vs Other US Bank Cards
- US Bank Business Altitude Connect$95 / yr (waived year 1)
- US Bank Business Leverage$95 / yr (waived year 1)
- Korean Air Skypass Business$99 / yr
- US Bank Business Altitude Power$195 / yr
Related credit card guides
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
US Bank Business Triple Cash Rewards FAQs
Is the U.S. Bank Business Triple Cash Rewards worth the annual fee?
Compare US Bank Business Triple Cash Rewards's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits does Creddy list for U.S. Bank Business Triple Cash Rewards?
Creddy's September 26, 2026 catalog lists Software Subscription Statement Credit for US Bank Business Triple Cash Rewards. Review the benefits and earning-rate tables for the conditions; confirm current coverage, enrollment and restrictions with US Bank. This is a dated catalog summary, not certification that every listed benefit is currently available on your account.
What is the annual fee for the U.S. Bank Business Triple Cash Rewards?
Creddy's catalog lists a $0 annual fee for US Bank Business Triple Cash Rewards as checked on September 26, 2026. Confirm current pricing and any additional-card fees with US Bank before applying or renewing.
Does the U.S. Bank Business Triple Cash Rewards come with a welcome bonus?
Welcome offers for US Bank Business Triple Cash Rewards can change and may depend on your application or account history. Check US Bank's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the U.S. Bank Business Triple Cash Rewards?
US Bank Business Triple Cash Rewards may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the U.S. Bank Business Triple Cash Rewards compare to other U.S. Bank cards?
Compare US Bank Business Triple Cash Rewards with other US Bank cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.