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US Bank Business Triple Cash Rewards card art

US Bank Business Triple Cash Rewards

By Alex Compton · Last verified

3% on the categories small businesses actually spend in. No fee.

★ 8.0/10U.S. BankbusinessUS Bank Cash Back
Offer recheck in progressBest for: Small business cash back without a fee

Welcome Bonus

Under review

Current claim suppressed

Spend Requirement

Under review

Annual Fee

Under review

Last recorded terms remain in the history below

Credit Score

700+

(Good to Excellent)

Historical Offers Chart

Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.

Sign-Up Bonus (value)Spending Requirement ($)
$0$188$375$563$750$0$1,875$3,750$5,625$7,5002021-012022-012023-012024-012025-012026-01Sign-Up BonusSpending Requirement ($)
ObservedOfferRequirementWhat changedEvidence
2026-06$500$4,500 in 5 moTerms reconfirmedArchive record · no attached snapshot
2024-01$500$4,500 in 5 moTerms reconfirmedArchive record · no attached snapshot
2021-01$500$4,500 in 5 moEarliest recordArchive record · no attached snapshot

Primary-source verification log

Append-only evidence ledger

Event-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.

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Source checked 2026-06-09 · spot an outdated offer? Report a correction above.

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Last Recorded Earning Rates

These terms are historical context and are not presented as current.

  • 5xPrepaid hotels and car rentals via the US Bank travel portal
  • 3xGas and EV charging, office supply stores, cell phone providers, restaurants
  • 1xAll other purchases

Last Recorded Credits

  • Software credit$100

    Recurring software subscription, after 11 consecutive months

Last Recorded Benefits

Confirm availability and enrollment requirements with the issuer.

  • ✦0% intro APR window on purchases and balance transfers
  • ✦Free employee cards

Why it earns its spot

  • +$500 bonus on a no-fee business card is among the largest anywhere
  • +3% categories map directly to small-business spend
  • +Software credit is free money for any SaaS subscriber

Where it costs you

  • −Cash back only, no points ecosystem
  • −3% FTF

The Compound Verdict

Probably the best no-fee business cash back card in the market. The bonus is huge for the tier, the 3% categories fit real operations, and the software credit pays out for doing nothing.

U.S. Bank application rules

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