3% cash back

on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants.2

1% cash back

on all other eligible purchases. There is no expiration or limit on the total rewards you can earn.

$100 credit

for recurring software subscription expenses such as FreshBooks or QuickBooks.3

Awards and Accolades for Triple Cash

WalletHub 2022

Best-Of Awards winner for Best Gas Rewards Credit Card​

Forbes Advisor 2022​

Best-Of Awards winner for Best Business Cash Back Card for Gas​

Forbes Advisor 2022

Best-Of Awards winner for Best Cash Back Business Credit Cards​

Compare business credit cards

Use the comparison chart below to determine the best business credit card for you and your business.

U.S. Bank
Bank of America

U.S. Bank

Triple Cash Rewards Visa Business Card

Bank of America

Business Advantage Customized Cash Rewards Mastercard


Ink Business Unlimited Credit Card

Up to 3% cash back on select categories


Not available

Cash back rewards on all other eligible purchases


$100 annual statement credit for software service purchases


Not available

Not available

Standard purchase APR

Prime Rate + 10.74% to Prime Rate + 19.74%

Prime Rate + 9.99% to Prime Rate + 19.99%

Prime Rate + 9.99% to Prime Rate + 15.99%

Introductory 0% purchase rate for 15 months


Not available

Not available

Introductory balance transfer rate


Not available

Not available

No annual fee


Accurate as of January 5, 2024 for the features shown here. Competitor cards may have other features, terms and conditions not reflected in this chart. See issuers' websites for further details. The Prime Rate is published in The Wall Street Journal. As of July 28, 2023, the prime rate is 8.50%.

Rewards Calculator

See how fast your cash back adds up.
Enter your estimated monthly spending below.

Note: this calculator is for illustrative purposes

Prepaid Travel

Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.4



Your 0% Intro APR* introductory rate applies to purchases and balance transfers. After 15 billing cycles, it adjusts to a variable APR, currently ranging from $.

Pay over time with a U.S. Bank ExtendPay® Plan.5

Receive a new cardmember $0 fee offer* on ExtendPay Plans opened in the first 60 days after account opening.

Track your business spending

Free online tool that provides instant access to reporting that is designed to give you a clearer picture of your business cash back credit card spending.

Frequently asked questions

Interested in other options?

We offer a wide range of products to suit your business needs. Whatever your business goals, we can help you achieve them.

Start of disclosure content

U.S. Bank offers businesses a comprehensive line of products and services, such as cash flow management, payment processing, remote deposit and much more. To learn more, visit your local U.S. Bank branch to talk with a business banker.

U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details.

The rate will end early and increase to the APR for purchases and balance transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit.

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated, and the cards are available to United States residents only. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Cardmember Agreement for additional information.

This page may contain links to third-party websites not controlled by U.S. Bank. U.S. Bank is not responsible for the content or any products and services offered, nor does it guarantee the system availability or accuracy of information contained in the site. Please note that the third party site may have terms of use, privacy, and information security policies that differ from those of U.S. Bank.

Offer only available online.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

WalletHub, © 2022 Evolution Finance, Inc. All Rights Reserved.

From ForbesAdvisor.com, Best Business Gas Cards, July 2022 © Forbes Marketplace Operations, Inc. 2022.

From ForbesAdvisor.com, Best Cash Back Business Cards, July 2022 © Forbes Marketplace Operations, Inc. 2022.

*The 0% introductory APR applies to purchases and is valid for the first 15 billing cycles. The 0% introductory APR applies to balance transfers made within 30 days of account opening and is valid for the first 15 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary. The current undiscounted variable APR for Purchases and Balance Transfers is $ (based on your creditworthiness). The variable APR for Cash Advances is 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay Plans and ExtendPay Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to non-Fixed Payment Program balances in the order of lowest to highest APR before applying to Fixed Payment Program balances.

Start of disclosure content
  1. New Credit Card Enrollment Bonus: Offer valid only for the U.S. Bank Triple Cash Rewards Visa® Business Card. One-time $500 cash back will be awarded if eligible Net Purchases totaling $4,500 or more are made to the Account Owner’s Card within 150 days from account opening. The Account Owner’s Card is the card assigned to the initial applicant of the account and would not include cards used by authorized employees. Net purchases are purchases minus credits and returns. Please allow 8-10 weeks after you have met the spend requirement for your cash back to be credited to your Account. Cash Rewards may be redeemed as a statement credit, U.S. Bank Rewards Card, or deposited to your U.S. Bank business checking, savings or money market account. A statement credit will not satisfy the minimum payment requirement. Offer may not be combined with any other offer. Subject to credit approval.

  2. U.S. Bank Triple Cash Rewards Visa® Business Card members may earn three percent (3%) cash back on Net Purchases (purchases minus credit and returns) at restaurants/restaurant delivery, gas stations, electric vehicle charging stations, office supply stores and cell phone service providers. All other Net Purchases may earn one percent (1%) cash back. Transactions qualify for cash back based on how merchants classify the transaction. U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which Purchases will qualify. Purchases of gasoline or electric vehicle charging greater than $200 will not be deemed to be a purchase of automotive fuel and as such will earn a reward of 1%. You may not redeem cash back, and you will immediately lose all of your earned cash back rewards, if your account is closed to future transactions (including, but not limited to, due to Program misuse, fraudulent activities, failure to pay, bankruptcy, or death). Cash back may be redeemed as a statement credit, U.S. Bank Rewards Card, or deposited to your U.S. Bank business checking, savings or money market account. The amount of Rewards that may accumulate for your Account is unlimited. Rewards accumulated are non-expiring, subject to conditions set for herein. Refer to your cardmember agreement for full details.

  3. An automatic statement credit of $100 per 12-month period will be applied to your Account within two (2) statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider. Eligible software service providers are identified by their Merchant Category Code (MCC) and purchases made at discount/retail stores or online retailers may not qualify. We do not determine the category codes that merchants choose and reserve the right to determine which Purchases qualify. We reserve the right to adjust or reverse any portion or all of any software services credit for unauthorized purchases or transaction credits. Account must be in good standing (open and able to use) to receive the credit. 

  4. Cardmembers will earn an additional 4% cash back above base earn for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations in the travel rewards center using your U.S. Bank Triple Cash Card. Prepaid car and hotel reservations in the travel rewards center are not classified as a travel category merchant transactions and are not eligible to receive additional cash back for that category. Please allow 1-2 statement billing cycles for your cash back reward to appear on your credit card statement.

  5. From time to time we may offer you the benefit of our U.S. Bank ExtendPay® Plans, which allow you to pay off balances in fixed monthly payments over time and still avoid paying interest charges on new Purchases. Only your company’s Authorized Officer (AO) may enroll in an ExtendPay Plan. All references to "you" and "your" apply to the AO. If your company’s card program is set up with central billing, the AO may select ExtendPay eligible Purchases when viewing the central billing account (which includes Purchases made on employee cards). If your company is set up with individual billing, the AO may only select Purchases made on their own card account. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases and pay in monthly installments with just a small fixed monthly fee. Only Purchase balances are eligible for ExtendPay Plans. Transactions identified as Advances or Balance Transfers (as defined in your Cardmember Agreement), and any interest or fees, including Annual Fee, do not apply. The only Purchases that will appear as "Eligible Purchases" in the enrollment process are Purchases that were made within 60 days prior to signing up for an ExtendPay Plan, are over $100, and are less than your Purchase balance when you sign up for an ExtendPay Plan. Any unpaid balance remaining on an ExtendPay Plan after the chosen pay-back period will be subject to the APR and minimum payment calculation for purchases outlined in the Cardmember Agreement. The monthly fixed fee will be determined when your ExtendPay Plan is created and is provided to you before you complete setting up an ExtendPay Plan. This fee will remain the same until the ExtendPay Plan is paid in full. The monthly fixed fee of the ExtendPay Plan is based upon the original principal amount, Purchase APR, and other factors.