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US Bank Business Triple Cash Card Review
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard is the newest card for U.S. Bank customers. This is an impressive product as far as no fee credit cards go, but even when compared to some mid-tier fees. You can earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. It also offers 0% introductory APR on purchase and balance transfers for 15 billing cycles, whish is rare in general and even more so for business cards. Let’s get into this US Bank Business Triple Cash Card review and see if this is the right choice for you and your small business.
Update (Jan. 26, 2022) – The card now also earns 5% cash back on prepaid hotels and car rentals booked through US Bank Travel Rewards Center.
Signup Offer
To get started, business owners can apply now to take advantage of this limited time offer:
- Earn a $600 welcome bonus after spending $4,500 with your U.S. Bank Business Triple Cash Rewards World Elite Mastercard in the first 150 days of card membership.
- Introductory 0% APR on purchases and balance transfers. After 15 billing cycles, it adjusts to a variable APR.
- Credit Required: Good/Excellent
- No Annual Fee
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Card Details
- Earn:
- 5% cash back on prepaid hotels and car rentals booked through US Bank Travel Rewards Center
- 3% cash back on eligible purchases at:
- gas stations
- EV charging stations
- office supply stores
- cell phone service providers
- restaurants
- 1% cash back on all other eligible purchases.
- There are no limits on the total rewards you can earn and your rewards never expire.
- Annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Mastercard World Elite Benefits
When it comes to redeeming rewards with the Business Triple Cash Rewards card, you need to have accumulated at least $25. Rewards may be redeemed to a U.S. Bank banking account or as a statement credit.
What to Know About Applying for U.S. Bank Cards
Here are a few things worth noting regarding U.S. Bank credit card applications:
- There’s no hard limit on the maximum number of credit cards you can have with U.S. Bank.
- You can earn the signup bonus even if you have had a card in the past, but you can’t currently have the same card open.
- The U.S. Bank Altitude® Reserve Visa Infinite® Card requires an existing banking relationship with U.S. Bank. So you need to have an existing bank account, credit card, or any other banking product before applying.
- US Bank does NOT report business credit cards to personal credit bureaus, so that should help those trying to stay under 5/24.
US Bank Business Triple Cash Card Review: Guru’s Wrap-up
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard is a great new product. You can get started with the welcome bonus after you spend $4,500. That’s a high spending requirement when compared to similar bonuses, but you have 150 days to complete it.
Once you get the card, you don’t have to worry about annual fees. So you can keep this card in your wallet long term. It will not cost you anything. As far as perks go, the card is not very flashy. You get Mastercard World Elite benefits and an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks. But you can also earn tons of rewards.
If you have tons of spend at gas stations, office supply stores, restaurants, you can earn 3% cash back on all those purchases. Yes there’s the Chase Ink Cash card that earn 5% with no fee, but that’s limited to $25K per year, and only limited to office supply stores and phone service. You can also find more cards that earn the highest rates on gas stations and restaurants.
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