U.S. Bank Triple Cash Rewards Visa Business Card review

The Triple Cash Rewards card spreads its bonus rate across four everyday categories. U.S. Bank pays 3% cash back at gas and EV charging stations on transactions of $200 or less, office supply stores, cell phone service providers and restaurants, and 1% on all other eligible purchases. U.S. Bank says there is no limit on the total rewards you can earn. The card has no annual fee, employee cards are free, and it includes a $100 credit for recurring software subscription expenses such as FreshBooks or QuickBooks. New cardholders can earn $750 cash back after spending $6,000 on the Account Owner's card in the first 180 days, which is a longer window than the 3 months most issuers give. A 0% intro APR applies to purchases and balance transfers for 12 billing cycles. The categories exclude discount stores, supercenters and wholesale clubs, and the $200 per transaction limit at the pump matters for businesses filling large vehicles.

Who it is for

owners with fuel, phone and restaurant spend who pay for accounting software

Price

$0 annual fee; employee cards free.

There is no annual fee and employee credit cards are free.
Quoted from the vendor pricing page on November 12, 2026.

Key features

• 3% cash back at gas and EV charging stations (transactions of $200 or less), office supply stores, cell phone service providers and restaurants
• 1% cash back on all other eligible purchases with no limit on total rewards
• $100 credit for recurring software subscription expenses such as FreshBooks or QuickBooks
• $750 cash back after $6,000 on the Account Owner's card in the first 180 days
• 0% intro APR on purchases and balance transfers for 12 billing cycles

Strengths and weaknesses

• Strength: Four 3% categories with no stated yearly cap on total rewards
• Strength: $100 software credit offsets part of an accounting subscription
• Strength: Intro APR also covers balance transfers
• Weakness: 3% at gas and EV stations only applies to transactions of $200 or less
• Weakness: 3% categories exclude discount stores, supercenters and wholesale clubs
• Weakness: All other purchases earn only 1%

Key facts

• Annual fee: $0
• Top rate: 3% on gas and EV, office supplies, cell phone service, restaurants
• Welcome offer: $750 after $6,000 in 180 days
• Software credit: $100 for recurring software subscriptions

Where it ranks

U.S. Bank Triple Cash Rewards Visa Business Card is No. 7 in our Best Business Credit Cards verdict.