US Banking Business Triple Cash Rewards Review

US Bank Triple Cash Rewards Visa® Business Card members can earn money every year with this card. He will receive a $100 statement credit every 12 months after he makes 11 consecutive months of purchases at a qualifying software service provider. While this isn't the easiest statement credit to earn, it's practical since most side hustles and small businesses already pay a monthly software subscription fee.

Cardholders also receive an initial 0% APR on purchases and balance transfers for 15 months, followed by a variable rate of 19.24% to 28.24%. Intro APR only applies to balance transfers made within 30 days of account opening. There is a balance transfer fee of 3% of the amount transferred, starting from a $5 minimum.

earn income

The US Bank Triple Cash Rewards Visa® Business Card earns cash back at the following rates:

• 5% back on prepaid hotel and car rentals booked through the US Bank Travel Rewards Center
• 3% back at office supply stores
• 3% rebate on gasoline and EV charging stations
• 3% back at restaurants
• 3% back for mobile phone service providers
• 1% back on all other purchases

Redemption in progress

Once you earn $25 in rewards, you can redeem your cash back for a statement credit, direct deposit, or US Bank Rewards card. You can also link your card to Amazon or PayPal and use your rewards to pay for purchases.

To instantly redeem cash back on eligible purchases, you can sign up for Real-Time Rewards. If you do so, you will set a minimum redemption amount and receive a text message each time you make a qualifying purchase. You can redeem rewards by responding to these prompts.

Small business owners interested in earning travel rewards may prefer the Blue Business® Plus Credit Card from American Express over the US Bank Triple Cash Rewards Visa® Business Card. Both cards have no annual fee (see rates and fees), but the Amex Blue Business Plus Card earns American Express Membership Rewards points. These points can be transferred to 21 airline and hotel loyalty programs, including Emirates, Marriott, Delta, and JetBlue.

The Amex Blue Business Plus Card earns 2x points on the first $50,000 of eligible purchases per year and 1x points thereafter. On the surface, the US Bank Triple Cash Rewards card is good for purchases in the bonus category. However, Amex points can be much more valuable than cash back rewards. It takes just 88,000 Amex points to book a round-trip Star Alliance business class ticket from the U.S. to Europe on ANA's program, and the ticket can easily cost more than $3,000. That's more than 3.4 cents per point, a return rate that cashback can't match.

Compare the U.S. Bank Triple Cash Rewards Visa Business Card and the U.S. Bank Business Platinum Card.

For those looking to make the most of introductory APR offers, the US Bank Business Platinum Card is worth considering. New cardmembers receive an initial 0% APR on purchases and eligible balance transfers for 18 billing cycles, then a variable rate of 17.24% to 26.24%. Balance transfer fees are 3% of the amount transferred (minimum $5).

The initial APR on this card is three months longer than what's available on the US Bank Triple Cash Rewards Visa® Business Card. If you transfer a large balance or make a large purchase, this card may be worth more to you as you can save on additional months of interest. However, the US Bank Business Platinum Card doesn't have a referral bonus and you won't earn any perks, so you'll miss out on the chance to earn a $500 bonus and cash back on purchases. That said, it's not worth it for everyone. .

There's a lot to like about the US Bank Triple Cash Rewards Visa® Business Card. There is no annual fee and you have an extended period of time to earn your welcome bonus (150 days versus the usual 3 months). Plus, the cashback rate is great, and if you qualify for the annual software credit, you're essentially getting paid to keep the card. Anyone looking to finance a business investment or save on existing credit card debt will find this card's introductory APR offer worthwhile.

The only downside to this card is that you get cash back. Generally, cashback rewards don't have as much potential value as the best travel rewards. So if you're focused on paying for your upcoming business trips with a credit card, you might be better off with a travel business credit card.

The US Bank Triple Cash Rewards Visa® Business Card is a no-annual-fee, cash-back business card with many useful features. Earn cash back at generous rates on popular spending categories like office supply stores and restaurants. It also comes with software subscription credits that are easy to maximize for most small businesses and side hustles. In addition to the cashback you get, it's also one of the best business credit cards with a 0% APR offer, making it a hard card to beat.

CNBC Select's mission is to provide quality service journalism and comprehensive consumer advice to help readers make informed decisions about their money.all credit cards Our reviews are based on rigorous reporting by a team of expert writers and editors with extensive credit card knowledge. product. While CNBC Select earns commissions from affiliate partners on many offers and links, we create all content without input from commercial teams or outside parties and adhere to journalistic standards and ethics. We are proud of our products. To learn more about how to choose the best credit card, check out our methodology.

Check out CNBC Select's in-depth coverage. credit card, banking industry and money,follow me tick tock, Facebook, Instagram and twitter To stay up to date.

For rates and fees on the Blue Business® Plus credit card from American Express. click here.