U.S. Bank · Visa · business · Cash back
Review the linked sources below for offer details and eligibility.
Earning
| Issuer travel portal
Prepaid car and hotel reservations purchased in the U.S. Bank Travel Center (flights not included)
requires booked via portal
|
5% | 5% |
| Gas stations
Gas and EV charging stations; transactions of $200 or less. Purchases of gasoline or EV charging greater than $200 earn 1%.
|
3% | 3% |
| EV charging
Gas and EV charging stations; transactions of $200 or less. Purchases of gasoline or EV charging greater than $200 earn 1%.
|
3% | 3% |
| Office supplies
Office supply stores
|
3% | 3% |
| Phone, internet, cable
Cell phone service providers
|
3% | 3% |
| Dining & restaurants
Restaurants
|
3% | 3% |
| Everything else | 1% | 1% |
Right column: value per $ at travel valuation (1¢/pt). Dollar-for-dollar.
Credits
- $100 Software subscription credit /year · medium to useAutomatic $100 statement credit per 12-month period after 11 consecutive months of eligible recurring software subscription purchases made directly with a software service provider (e.g. FreshBooks, QuickBooks; MCC 5734). Posts within two billing cycles after the 11th month.
Benefits
- No annual fee — Employee cards are also free.
- Intro 0% APR — 0% intro APR on purchases and balance transfers for the first 12 billing cycles (balance transfers within 30 days of opening); then variable APR (17.24%-26.24% as of Sept 2026).
- U.S. Bank Spend Management platform — Expense monitoring/management platform included with the card.
Protections
Notes
Visa Business card (not a Mastercard). Straightforward no-fee business cash back: 3% on gas/EV charging (per-transaction $200 limit, larger fuel purchases earn 1%), office supply stores, cell phone service providers and restaurants, with no caps; 5% on prepaid hotels and car rentals booked in the U.S. Bank Travel Center; 1% everywhere else. The $100 software credit requires 11 consecutive months of eligible software subscription charges (MCC 5734) and pays once per 12-month period. 3% foreign transaction fee (per Doctor of Credit, Feb 2026) so avoid abroad. Cardholder protections (rental car, cell phone, purchase security) are not listed on the issuer page and were not verified. Web-verified 2026-09-08 against https://www.usbank.com/business-banking/business-credit-cards/business-triple-cash-back-credit-card.html.