US Bank Business Triple Cash Rewards
3% on the categories small businesses actually spend in. No fee.
Welcome Bonus
$500
≈$500 value
Spend Requirement
$4,500
in 5 months
Annual Fee
$0
3% FTF
Credit Score
700+
(Good to Excellent)
Current offer note: $500 cash back
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 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
Credits ($100/yr stated)
- Software credit$100
Recurring software subscription, after 11 consecutive months
Benefits
- ✦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.
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