U.S. Bank Business Triple Cash Rewards Review: A Comprehensive Guide

Triple Cash Rewards: Earn up to 5% back, $500 bonus, and enjoy 0% APR.

U.S. Bank Business Triple Cash Rewards Review: A Comprehensive Guide


  • Annual Fee: $0, making it accessible for all business sizes.
  • APR: Variable 19.24%-28.24% after an introductory 0% APR for the first 15 billing cycles on purchases and balance transfers.
  • Sign-Up Bonus: Earn $500 cash back after spending $4,500 in the first 150 days.
  • Rewards:
    • 3% cash back on gas stations, office supply stores, cell phone service providers, and restaurants.
    • 5% cash back on prepaid hotels and car rentals booked through U.S. Bank’s Rewards Center.
    • 1% cash back on all other eligible purchases.
  • Other Benefits:
    • $100 annual statement credit for software subscriptions.
    • A long intro APR period applies to purchases and balance transfers.


  • No Annual Fee: Encourages cost savings and maximizes rewards.
  • Extended 0% APR Period: Offers financial flexibility, especially for new businesses or those looking to manage cash flow effectively.
  • Diverse Rewards Categories: Caters to common business expenses, enhancing earning potential.
  • Generous Sign-Up Bonus: Provides immediate value back to the business.


  • Requires Good/Excellent Credit: May not be accessible to all business owners.
  • Lower Rewards Rate Outside Bonus Categories: Diminishes earning potential on non-category spending.
  • Foreign Transaction Fee: This fee adds a 3% cost to international transactions, which could be a concern for businesses with overseas expenditures.

Product Summary

The U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® is a standout option for businesses looking to maximize cash back on everyday expenses. With no annual fee and a broad array of cash-back categories, it suits various spending patterns. The card's long intro APR period on purchases and balance transfers is a boon for businesses aiming to manage or reallocate debts efficiently. While it shines in providing bonus rewards on common business expenses and offers a substantial sign-up bonus, businesses with significant non-category spending or those that frequently engage in international transactions might find it less advantageous. It offers a solid foundation for businesses to earn rewards on their expenditures while enjoying additional perks.

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