What is the average credit score needed to get approved for U.S. Bank Triple Cash Rewards Visa® Business Card?

You need a good to excellent credit rating to qualify for the U.S. Bank Triple Cash Rewards Visa® Business Card.

Does U.S. Bank Triple Cash Rewards Visa® Business Card report to all three credit bureaus?

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard reports to all three credit bureaus, so your reports will reflect any general score improvements.

Is the U.S. Bank Triple Cash Rewards Visa® Business Card application process lengthy? Can you prequalify?

You will be redirected to an <a href="https://onboarding.usbank.com/business/cards/VD67GB17QP/8069/43740/business-information" target="_blank">online application form</a> after clicking the apply now button on the card’s page, and you can complete the form in under 15 minutes. Once you have specified your business structure, the form will ask you to provide relevant information needed to continue the process.

What information is needed to apply for U.S. Bank Triple Cash Rewards Visa® Business Card?

Typically, you will be required to provide information about your business structure, the legal business name, the country your business is formed in, the year you opened your business, phone number and your annual business revenue.

Does U.S. Bank Triple Cash Rewards Visa® Business Card have good customer service or satisfaction?

While it's difficult to obtain specific U.S. Bank Triple Cash Rewards Visa® Business Card customer service reviews, U.S. Bank has a <a href="https://www.sitejabber.com/reviews/usbank.com" target="_blank">1.67-star rating on Sitejabber</a>, indicating that many customers are disappointed with their service. Consumers have expressed dissatisfaction with the bank’s customer service, credit cards and local branch locations.

Does U.S. Bank Triple Cash Rewards Visa® Business Card have a mobile app or the option to pay or manage your account online?

You may download the U.S. Bank Mobile App to access your money anywhere. The app’s features include mobile check deposit, transfers between accounts, managing and paying bills and sending, receiving and requesting money.

Does U.S. Bank Triple Cash Rewards Visa® Business Card raise credit limits automatically or charge for limit increases?

The U.S. Bank Triple Cash Rewards Visa® Business Card may increase or decrease the credit limit based on its credit guidelines, credit report information, account history or the cardholder's financial circumstances.

Does U.S. Bank Triple Cash Rewards Visa® Business Card offer the option to freeze your credit/account or other security features?

The security features of the U.S. Bank Triple Cash Rewards Visa® Business Card are standard for the industry. With zero fraud liability, chip technology and 24/7 fraud monitoring, you can help safeguard your business from fraudulent purchases.

Does U.S. Bank offer other credit cards besides U.S. Bank Triple Cash Rewards Visa® Business Card?

U.S. Bank offers other credit cards such as U.S. Bank Altitude® Go Visa Signature® Card, U.S. Bank Altitude® Connect Visa Signature® Card and U.S. Bank Visa® Platinum Card.

U.S. Bank Triple Cash Rewards Visa® Business Card Review

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

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.

Card Details to Know Up Front

Bonus, Fee or Feature
Has or Not
Has Annual Fee
Has Balance Transfer Offer
Has APR Offer
Cash Back Rewards
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Recommended Credit
Good–Excellent

Click to see this card’s rates, fees and how they compare to other cards in our dataset.

OUR REVIEW AT A GLANCE

Credit Card Details at a Glance
Pros & Cons Explained
Bonuses & Rewards Explained
Our Verdict: Is This Card for You?

U.S. Bank Triple Cash Rewards Visa® Business Card at a Glance

The U.S. Bank Triple Cash Rewards Visa® Business Card competes well with other business credit cards and, most importantly, can earn a lot of points for you. As long as you spend significant amounts of money on your regular purchases, this card will help you rake in rewards.

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
- $0Annual Fee
- 18.49% – 27.49% VariableAPR
- Good–ExcellentRecommended Credit
Pros
No annual fees
Generous welcome bonus
Bonus cash back categories
Introductory 0% APR on purchases and balance transfers for 15 billing cycles, then a variable APR of 18.49% – 27.49%

Cons
Foreign transaction fees
Balance transfer fees
No complimentary insurance coverage
$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 18.49% – 27.49%
Terms, rates and fees apply
Compare this credit card with other top-rated credit cards.

Pros & Cons Explained

Before applying for a credit card, it's smart to learn about the potential advantages and drawbacks. MoneyGeek explored some of the U.S. Bank Triple Cash Rewards Visa® Business Card's benefits and its downsides.

Pros

Benefits
Description
No annual fee
For 15 billing cycles, the card has a 0% APR on purchases and balance transfers. Without an annual charge, you have no ongoing costs to consider, so you can try it out to see if it works for your business.
Unlimited rewards
No matter how much you spend, you'll get 3% cash back in eligible categories and 1% cash back on other eligible purchases. Your benefits will never expire.

Cons

Drawbacks
Description
Balance transfer fee
Any balance transfers using a U.S. Bank Business Triple Cash Rewards Mastercard incur a $5 or 3% fee, whichever is greater.
International transaction fee
Although the U.S. Bank Business Triple Cash Rewards Mastercard has no annual fee, it does have a 3% international transaction fee, making it one of the more costly cards for international travel.
Limited bonus categories
You won’t get much cash back with this card if you don't use it primarily for gas, cellular service, restaurants or office supplies.

LOOKING FOR THE BEST CREDIT CARDS OF 2022?

MoneyGeek regularly evaluates the available information for all cards in our database to determine the best choices in popular categories. Check out our list of the best business credit cards for 2022.

Bonuses & Rewards Explained

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.

Introductory 0% APR rate

If you need to make business purchases, a 0% APR rate for over a year is a great approach to defer finance costs for a while, followed by a variable APR of 18.49% – 27.49%. However, you’ll want to make sure to pay off your balance before the introductory rate expires to avoid paying interest.

Earn many cash back rewards

Cash back eligible purchases include those at office supply stores, restaurants, gas stations/EV stations and cell phone service providers for your business expenditures. You will earn 3% cash back on those purchases.

Boost your business with software credits

You may take advantage of the $100 yearly software credit for recurring business software subscriptions like FreshBooks or QuickBooks, products that can help you manage your receipts, bills and taxes.

Other Features Explained

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.

Card Feature
Description
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.

MONEYGEEK QUICK TIP

To get the most out of all of your business transactions, the U.S. Bank Triple Cash Rewards Visa® Business Card may be a good complement to cards that offer different bonus categories.

Understanding the Fine Print

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.

Card Feature
Amount or Rate
APR
18.49% – 27.49% Variable
Annual Fee
$0
Cash Back Rewards
Rewards Rate
1% – 5% Cash Back
Airline Benefits
Rewards Rate on Groceries
1x
Rewards Rate on Gas
3x
Rewards Rate on Dining
3x
Rewards Rate on Entertainment
1x
Rewards Rate on Online Shopping
1x
Rewards Rate on TV, Phone, Internet Services
3x
Rewards Rate on Air Travel
1x
Rewards Rate at Hotels
5x
Balance Transfer Fee
$5 or 3%, whichever is greater
Balance Transfer APR
18.49% – 27.49% Variable
Late Fees
$40
Cash Advance Fee
$10 or 5%, whichever is greater.
Cash Advance APR
29.99% Variable
Foreign Transaction Fee
3%

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 18.49% – 27.49%. 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 18.49% – 27.49%.
Penalty APR
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.

WHERE TO FIND THIS INFORMATION?

To figure out if your U.S. Bank Triple Cash Rewards Visa® Business Card is right for you, comparing it to other business cards might help. If you currently hold this card, look at your monthly billing statement for information about its rates, especially considering the APR and all associated fees.

Your online account or the credit card agreement database maintained by the Consumer Financial Protection Bureau can also help you learn more about your card.

Who Should & Shouldn’t Consider U.S. Bank Triple Cash Rewards Visa® Business Card?

Other Considerations for U.S. Bank Triple Cash Rewards Visa® Business Card

You may want to think about whether you intend to use the U.S. Bank Triple Cash Rewards Visa® Business Card as your first credit card or as an additional line of credit. It is always necessary to pay off your credit card bill in full each month, but you should make timely payments and only spend what you can afford. Before you decide to pursue this card, you should consider a few things.

Things to Consider if This Will Be Your First or Only Credit Card

The U.S. Bank Triple Cash Rewards Visa® Business Card is an excellent credit card for business transactions. After you've been approved for the card, you’ll want to consider the introductory bonus. You will have to spend around $900 on average in the first five months to be eligible for the $500 bonus.

You may also consider the 0% intro APR on purchases and balance transfers for 15 billing cycles, depending on your existing debt or planned spending. Keep in mind that there is a 3% balance transfer fee, and you must complete the transfer within 30 days of account opening to qualify for the intro offer.

As a U.S. Bank Triple Cash Rewards Visa® Business Card holder, remember that the introductory deal is available for a limited time and revolving balances will be charged after the first 15 billing cycles.

Things to Consider if This Will Be an Additional Card in Your Wallet

Some cardholders obtain additional cards to transfer balances from their primary cards, while some are more interested in cash back rewards. If either of these is your intent, you’ll want to consider whether other business cash back cards may provide more value.

The only additional advantage that you can consider for this business card compared with the normal Mastercard World Elite Benefits card is a $100 annual statement credit for use on qualified software subscriptions that you can maximize for your business needs.

WHY TRUST OUR REVIEWS

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.

How 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.

Quick Comparison of U.S. Bank Triple Cash Rewards Visa® Business Card

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

Annual Fee: 0$
Regular APR: 18.49% – 27.49% (Variable)
Sign-up Bonus: Extra $500 after spending $4500 in the first 150 days of account opening
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: 18.74% – 26.74% 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

Other Helpful Decision-Making Q&As

Additional information is typically required to complete a U.S. Bank Triple Cash Rewards Visa® Business Card application. The most frequently asked questions are answered below to help you make a decision.

Still not sure about this card? Consider these options.

A bonus of up to $500 cash back is currently available with the U.S. Bank Triple Cash Rewards Visa® Business Card. Other cards may provide higher cash back rewards, particularly on all other purchases, making it worthwhile to compare this card with alternatives from other banks.

If you're still undecided, make sure to compare options. Before determining which card best matches your needs, you may want to look into other cards in the business or cash back categories.

View All Credit Cards

Learn more about credit cards in general

sources

American Express. "IMPORTANT INFORMATION REGARDING RATES, FEES, AND OTHER COST INFORMATION." Accessed February 25, 2022.
Business Insider. "US Bank Business Triple Cash Rewards card review: Up to 5% cash back in popular categories and a $500 welcome offer with no annual fee." Accessed February 24, 2022.
Forber Advisor. "U.S. Bank Triple Cash Rewards Visa® Business Card Credit Card 2022 Review." Accessed February 24, 2022.
Mastercard. "Global Services." Accessed February 25, 2022.
Mastercard. "Experience the world in a whole new way. Start Something Priceless." Accessed February 25, 2022.
Sitejabber. "U.S. Bank." Accessed February 25, 2022.
U.S. Bank. "U.S. Bank Triple Cash Rewards Visa® Business Card." Accessed February 25, 2022.
U.S. Bank. "U.S. Bank Business Triple Cash Rewards Card Terms and Conditions." Accessed February 25, 2022.
U.S. News and World Report. "U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®." Accessed February 24, 2022.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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