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- U.S. Bank Triple Cash Rewards Visa® Business Card
A great no annual fee cash back credit card for business
- 1% – 5% Cash BackRewards Rate
- 19.24% – 28.24% VariableAPR
- $0Annual Fee
- Good–ExcellentRecommended Credit
MoneyGeek's methodology is based on a holistic and standardized process that allows us to get accurate data about multiple card categories. We take a multi-step method that highlights data collection, analysis and ranking calculations. Following an in-depth look at average spending profiles and other benefits offered by different credit card companies, MoneyGeek’s procedure is concluded by an approximation of a card's three-year value and a regular re-ranking process.
The U.S. Bank Triple Cash Rewards Visa® Business Card features a 0% introductory APR on purchases and balance transfers, followed by a relatively high variable APR. In spite of this, the card offers you cash back on eligible purchases at office supply stores, cellphone service providers, gas stations, restaurants and on other net purchases.
The only additional advantage offered by the business card, in addition to the usual Mastercard World Elite Benefits, is a $100 annual statement credit for use on qualified software subscriptions.
U.S. Bank Triple Cash Rewards Visa® Business Card Overview
The U.S. Bank Triple Cash Rewards Visa® Business Card is a good no-annual-fee card if you prefer earning straight cash back. MoneyGeek highlights a few perks and bonuses to help you better understand how they work.
- $0 annual fee
- Cash back rate of up to 5%
- 3% foreign transaction fee
- 3% or $5 (higher of the two) balance transfer fee
- 0% intro APR on purchases and balance transfers for 15 billing cycles, then a variable APR of 19.24% – 28.24%
Important Card Details
The U.S. Bank Triple Cash Rewards Visa® Business Card is a viable option for a business card because of the numerous perks and features it provides. However, it's critical to read and understand the fees and fine print before you apply.
Purchase Intro APR
The introductory 0% APR for your U.S. Bank Triple Cash Rewards Visa® Business Card applies to your purchases and balance transfers. After 15 billing cycles, the APR changes to a variable rate currently ranging from 19.24% – 28.24%. MoneyGeek has also noted that this APR will vary with the market based on the Prime Rate.
Cash back Reward Rate
You may want to focus on the 3% cash back categories to get the most out of the card. The spending categories include qualified cellular service, gas stations, office supply shops and restaurants. All other purchases are eligible for a 1% cash back rate.
Balance Transfer APR and Fees
For balance transfers made within 30 days of account opening, the card offers you a 0% introductory APR for the first 15 billing cycles. After that, depending on your creditworthiness when you open your account, you could have a variable APR of 19.24% – 28.24%.
If you are five calendar days late twice or 30 calendar days late once, made a payment that is returned or if you exceed your U.S. Bank Triple Cash Rewards Visa® Business Card credit limit two times in 12 months, the penalty APR of 29.99% may be imposed on your account.
The U.S. Bank Triple Cash Rewards Visa® Business Card is a great choice for spending a lot of money in the card's bonus categories. Other noteworthy features of the U.S. Bank Triple Cash Rewards Visa® Business Card are worth mentioning. The following are some that you might find useful.
- No fraud liability: You will not be held responsible for unauthorized charges such as with lost or stolen cards. If you report your card's status immediately, any subsequent transactions will not affect you or your U.S. Bank Triple Cash Rewards Visa® Business Card credit score.
- Global Emergency Services: You can rely on Mastercard Global Services no matter where you are. Its representatives can assist you with various issues, including lost and stolen card reporting, emergency cash advances and more.
- Real-time rewards: After signing up for the bank’s service, you may instantly redeem your points for qualified purchases by sending a text message. When you make a purchase, you will get a message asking if you want to redeem your points right away.
- Mastercard World Elite Benefits: All benefits that you can enjoy in terms of travel insurance, exclusive savings on various travel services, and special nightclub access are included in your World Elite Mastercard advantages.
How the U.S. Bank Triple Cash Rewards Visa® Business Card Compares To Other Cards
The U.S. Bank Triple Cash Rewards Visa® Business Card competes well with other business credit cards, and it can earn significant points for the right user. It is only right to compare it with another business credit card on the market.
MoneyGeek ran a quick comparison between the U.S. Bank Triple Cash Rewards Visa® Business Card and The Business Platinum Card from American Express regarding relevant fees and features.
How the U.S. Bank Triple Cash Rewards Visa® Business Card Compares
U.S. Bank Triple Cash Rewards Visa® Business Card
- Annual Fee: 0$
- Regular APR: 19.24% – 28.24% (Variable)
- Sign-up Bonus: None
- Foreign Transaction Fee: 3%
- Mini Verdict: Best for small business owners who want cashback for eligible business needs
The Business Platinum Card® from American Express
- Annual Fee: $695
- Regular APR: 19.49% – 27.49% variable
- Sign-up Bonus: 120,000 Membership Rewards after spending $15,000 on eligible purchases within the first three months of card membership
- Foreign Transaction Fee: None
- Mini Verdict: Best for bigger businesses with high expenses that can maximize travel benefits
Frequently Asked Questions
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