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The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® offers an excellent 0% introductory rate, as well as some useful bonus cash-back categories for your business, with no annual fee. The card also has a $100 annual statement credit towards accounting software subscriptions. See if the U.S. Bank Business Triple Cash Rewards Credit Card is a winner for your business needs.
- 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- 3% cash back on eligible purchases at gas stations and EV charging stations
- 3% cash back at office supply stores
- 3% cash back at cell phone service providers
- 3% cash back at restaurants
- 1% cash back on all other eligible net purchases
Page Contents
- US Bank Triple Cash Pros
- US Bank Triple Cash Cons
- US Bank Business Triple Cash Welcome Offer
- US Bank Triple Cash Business Credit Card Benefits
- US Bank Triple Cash Rewards Earning Rates
- Redeeming Rewards With the US Bank Business Triple Cash
- Application Restrictions
- Cards That Compete With the US Bank Triple Cash
- Bottom Line
US Bank Triple Cash Pros
- 3% cash back in popular categories.
- $0 annual fee.
- Regularly offers introductory interest rates for purchases and balance transfers.
US Bank Triple Cash Cons
- Low earning rate outside of the bonus categories.
- No travel perks.
- Doesn't offer many benefits outside of the bonus spending categories.

US Bank Business Triple Cash Welcome Offer
The Business Triple Cash Card offers $500 in cash back after you spend $4500 on the Account Owner's card in the first 150 days of opening your account. Note that this means authorized user / employee card spending doesn't count toward earning the welcome bonus.
New applicants also can take advantage of introductory annual percentage rate (APR) offers on reduced interest, as follows:
- 0% introductory APR for 15 billing cycles on purchases
- 0% introductory APR on balance transfers for 15 billing cycles
- After the introductory period, there is a Variable APR of 17.74% - 26.74%.
- Balance transfers have a fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Related: Best credit cards with no annual fee and a 0% balance transfer offer
US Bank Triple Cash Business Credit Card Benefits
$100 credit for software subscriptions
The Business Triple Cash Card offers a $100 annual statement credit towards monthly accounting software subscriptions like FreshBooks or QuickBooks.
US Bank Triple Cash Rewards Earning Rates
The Business Triple Cash Card has a solid variety of categories to earn bonus cash back. The earning rates are as follows:
- 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- 3% cash back on eligible purchases at gas stations and EV charging stations
- 3% cash back at office supply stores
- 3% cash back at cell phone service providers
- 3% cash back at restaurants
- 1% cash back on all other eligible net purchases
Earning 3% cash back on gas, EV charging, cell phone bills, restaurants, and office supplies is not common across other cards — especially those without an annual fee.
Related: Best No-Annual-Fee Business Rewards Credit Cards
Redeeming Rewards With the US Bank Business Triple Cash
Cash back earned on the Business Triple Cash Card may be redeemed as a statement credit, for a U.S. Bank rewards card, or deposited to your U.S. Bank business checking, savings, or money market account. There is no limit or expiration on the amount of cash back you earn.
Cardholders also can redeem via U.S. Bank's Real-Time Rewards. With this feature, you can use the U.S. Bank mobile app to redeem earnings toward purchases in real time.
Application Restrictions
U.S. Bank has no complicated rules for applications. They do not have a required waiting period or a hard limit on the amount of credit cards you can hold with them. Instead, they have a limit on the total amount of credit they will extend to each cardholder. You can receive a welcome bonus on a U.S. Bank credit card multiple times – although you can't have the specific card product open at the time of your application.
Related: How To Get a Business Credit Card in 3 Steps
Cards That Compete With the US Bank Triple Cash

(Terms apply)
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.

- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% cash back on all other card purchases with no limit to the amount you can earn

- 5X Miles per $1 on purchases through Capital One Entertainment (through 12/31/2025)
- 1.5 Miles per $1 on every purchase.
- If you want a business card with a simple earning structure, consider The American Express Blue Business Cash™ Card. It also has no annual fee (Rates & Fees) and a simple earning structure: 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% (issued as a statement credit). More details are available in our Blue Business Cash review.
- If your business spends a lot on office supplies, check out the Ink Business Cash® Credit Card. On top of a $0 annual fee, you'll earn 5% cash back at office supply stores and on cellular phone, landline, internet and cable TV services and 2% cash back at gas stations and restaurants on the first $25,000 spent in combined purchases each account anniversary year. Check out our Ink Cash review for additional details.
- If you want more options for using your rewards, the Capital One Spark Miles Select for Business might be for you. This card has a $0 annual fee and earns 1.5 miles on every purchase. You can redeem for cash-back rewards but also can transfer Capital One miles to 19 airline and hotel partners to redeem for flights and hotel stays.
Related: Best Small-Business Credit Card Offers Available This Month
Bottom Line
The Business Triple Cash Card has a decent welcome offer, plenty of 3% cash-back spending categories, no annual fee, and a generous 0% introductory APR offer that could make this card a great asset for your business if your spending aligns with the card's bonus categories.
- 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- 3% cash back on eligible purchases at gas stations and EV charging stations
- 3% cash back at office supply stores
- 3% cash back at cell phone service providers
- 3% cash back at restaurants
- 1% cash back on all other eligible net purchases
For rates and fees of the cards mentioned in this post, please visit the following links: The American Express Blue Business Cash™ Card (Rates & Fees), and Ink Business Cash® Credit Card (Rates & Fees)
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