US Bank Business Triple Cash Rewards
By Alex Compton · Last verified
3% on the categories small businesses actually spend in. No fee.
Welcome Bonus
$750
≈$750 value
Spend Requirement
$6,000
in 6 months
Annual Fee
$0
3% FTF
Credit Score
700+
(Good to Excellent)
Current offer note: $750 cash back
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 4 tracked offers going back to 2021, nothing has beaten $750.
Current offer
$750
All-time high
$750
Typical offer
$500
In place since
September 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09 | $750 | $6,000 in 6 mo | Bonus increased: $500 → $750 · Spend: $4,500 → $6,000 · Window: 5 → 6 monthsIncreased to $750 cash back | Archive record · no attached snapshot |
| 2026-06 | $500 | $4,500 in 5 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2024-01 | $500 | $4,500 in 5 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2021-01 | $500 | $4,500 in 5 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-09-21 · spot an outdated offer? Report a correction above.
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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
- +$750 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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