Talk to a business card consultant stage

Talk to a business card consultant

Connect with a consultant to help you choose the best card for business needs.

Success
We’ve received your information and a Business Card Consultant will contact you soon.

Error
Thank you

Thank you

We’ve received your information and a Business Card Consultant will contact you soon. 

 

3% cash back

on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants.2

1% cash back

on all other eligible purchases. There is no expiration or limit on the total rewards you can earn.

$100 credit

for recurring software subscription expenses such as FreshBooks or QuickBooks.3

Apply Now

Awards and Accolades for Triple Cash

WalletHub 2022

Best-Of Awards winner for Best Gas Rewards Credit Card​

Forbes Advisor 2022​

Best-Of Awards winner for Best Business Cash Back Card for Gas​

Forbes Advisor 2022

Best-Of Awards winner for Best Cash Back Business Credit Cards​

Rewards Calculator

See how fast your cash back adds up.
Enter your estimated monthly spending below.

Note: this calculator is for illustrative purposes

Apply now

Elite benefits for your business

Prepaid Travel

Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.4

cc-icon-naf

Low APR

Your 0% Intro APR* introductory rate applies to purchases. After 12 billing cycles, it adjusts to a variable APR, currently ranging from $.

Pay over time with a U.S. Bank ExtendPay® Plan.5

Receive a new cardmember $0 fee offer* on ExtendPay Plans opened in the first 60 days after account opening.

Track your business spending

Free online tool that provides instant access to reporting that is designed to give you a clearer picture of your business cash back credit card spending.

Frequently asked questions

Applying for a U.S. Bank business credit card is quick and easy. In addition to questions about yourself such as your name, address, date of birth, Social Security number/ITIN and personal income, you’ll be asked questions about your business. It should only take a few minutes to complete your application, but please make sure you have the following business information available before you start.

  • Business structure (examples; Sole -Proprietorship, Corporation, Partnership, etc.)
  • Employer Identification Number (EIN)
  • Legal business name
  • Country business was formed in
  • Year business started
  • Business physical mailing address
  • Business gross annual revenue
  • Industry type (you’ll select from a key-word search list)
  • Co-owners – Also known as beneficial owners, these are individuals other than potentially yourself who have at least 25% controlling and/or financial interest in the business. We use this information to verify their identity, but it will not affect their credit.
    • Name
    • Address
    • Date of Birth
    • Social Security Number/ITIN
  • Employee cards – You may be given the option on your application to request cards for additional employees by providing the following information for each. We use this information to verify their identity, but it will not affect their credit. You can also easily add or remove employee cards later if you are approved for a business card.
    • Name
    • Date of birth
    • Social Security Number/ITIN
    • Anticipated monthly spend on the card

There is no limit on the total amount of cash back cardmembers can earn.

Cash back does not expire, but you will lose all cash back earned if your account is closed for any reason.

Cardmembers can conveniently redeem their cash back by logging into their online account. Cash back can be redeemed in the form of a statement credit or deposit to a U.S. Bank checking, savings or money market account. U.S. Bank reward cards are also available.

There is no annual fee and employee credit cards are free.

Yes. Your U.S. Bank Triple Cash Rewards Visa® Business Card is eligible to use at the Rewards Center Shopping Deals. Shopping Deals is the easiest way to earn additional cash rewards while shopping online at over 1,100 stores using your U.S. Bank Card. Earn everyday cash rewards on your credit card and then earn additional cash rewards by shopping through the Rewards Center Shopping Deals.

Log in at usbank.com. Click on Shopping Deals in the Rewards Center and start shopping. By using the Rewards Center Shopping Deals on your U.S. Bank Triple Cash Rewards Visa® Business Card, you will be able to earn more cash rewards by shopping online.

Yes. Your U.S. Bank Triple Cash Rewards Visa® Business Card is eligible for Real Time Rewards - a redemption method that enables you to instantly turn your business purchases into rewards. Your mobile device can be used to immediately redeem cash rewards earned on your U.S. Bank card in the form of a credit to your monthly billing statement.

Once enrolled, redemption is quick and easy. Make a purchase on your Triple Cash Rewards card, and you will receive a text with the option to redeem cash rewards toward that purchase. Reply ‘REDEEM’ to complete the redemption.

You must have enough cash rewards to cover the entire purchase in order to receive the text message to redeem. Your cash rewards will be deducted from your cash rewards balance and redeemed in the form of a credit to your monthly billing statement. See Program Rules for additional details.

U.S. Bank ExtendPay® Plans provide a payment option that allows you to divide eligible credit card purchases into affordable monthly payments with no interest* – just a fixed monthly fee.

If your credit card account is eligible for an ExtendPay Plan, you’ll receive a notification via email, or you’ll see ExtendPay Plan options when viewing your card account details or eligible transactions online. The only purchases eligible for an ExtendPay Plan are those that were made within 60 days prior to signing up for ExtendPay, are over $100, and are less than your purchase balance when you sign up for ExtendPay.

ExtendPay Plan eligibility may change based on your credit card account activity.

If your business card account is eligible for an ExtendPay Plan, you’ll receive an email notification, or you’ll see ExtendPay Plan options in your account online. Only your company’s Authorized Officers (AO) can enroll in an ExtendPay Plan. If your company’s card program is set up with central billing, ExtendPay eligible transactions can be selected by the AO when viewing the central billing account (which includes transactions made on employee cards). For companies with individual billing, the AO can only select transactions they made on their own card account.

Interested in other options?

We offer a wide range of products to suit your business needs. Whatever your business goals, we can help you achieve them.

See all cards
Return to star ratings

Learn more about the Business Leverage® Visa Signature® Card. Schedule a consultation

Start of disclosure content

Disclosures

U.S. Bank offers businesses a comprehensive line of products and services, such as cash flow management, payment processing, remote deposit and much more. To learn more, visit your local U.S. Bank branch to talk with a business banker.

U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details.

The rate will end early and increase to the APR for purchases and balance transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit.

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated, and the cards are available to United States residents only. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Cardmember Agreement for additional information.

This page may contain links to third-party websites not controlled by U.S. Bank. U.S. Bank is not responsible for the content or any products and services offered, nor does it guarantee the system availability or accuracy of information contained in the site. Please note that the third party site may have terms of use, privacy, and information security policies that differ from those of U.S. Bank.

Offer only available online.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

WalletHub, © 2022 Evolution Finance, Inc. All Rights Reserved.

From ForbesAdvisor.com, Best Business Gas Cards, July 2022 © Forbes Marketplace Operations, Inc. 2022.

From ForbesAdvisor.com, Best Cash Back Business Cards, July 2022 © Forbes Marketplace Operations, Inc. 2022.

*The 0% introductory APR applies to purchases and is valid for the first 15 billing cycles. The 0% introductory APR applies to balance transfers made within 30 days of account opening and is valid for the first 15 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary. The current undiscounted variable APR for Purchases and Balance Transfers is $ (based on your creditworthiness). The variable APR for Cash Advances is 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay Plans and ExtendPay Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to non-Fixed Payment Program balances in the order of lowest to highest APR before applying to Fixed Payment Program balances.

Start of disclosure content

  1. New Credit Card Enrollment Bonus: Offer valid only for the U.S. Bank Triple Cash Rewards Visa® Business Card. One-time $500 cash back will be awarded if eligible Net Purchases totaling $4,500 or more are made to the Account Owner’s Card within 150 days from account opening. The Account Owner’s Card is the card assigned to the initial applicant of the account and would not include cards used by authorized employees. Net purchases are purchases minus credits and returns. Please allow 8-10 weeks after you have met the spend requirement for your cash back to be credited to your Account. Cash Rewards may be redeemed as a statement credit, U.S. Bank Rewards Card, or deposited to your U.S. Bank business checking, savings or money market account. A statement credit will not satisfy the minimum payment requirement. Offer may not be combined with any other offer. Subject to credit approval.

  2. U.S. Bank Triple Cash Rewards Visa® Business Card members may earn three percent (3%) cash back on Net Purchases (purchases minus credit and returns) at restaurants/restaurant delivery, gas stations, electric vehicle charging stations, office supply stores and cell phone service providers. All other Net Purchases may earn one percent (1%) cash back. Transactions qualify for cash back based on how merchants classify the transaction. U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which Purchases will qualify. Purchases of gasoline or electric vehicle charging greater than $200 will not be deemed to be a purchase of automotive fuel and as such will earn a reward of 1%. You may not redeem cash back, and you will immediately lose all of your earned cash back rewards, if your account is closed to future transactions (including, but not limited to, due to Program misuse, fraudulent activities, failure to pay, bankruptcy, or death). Cash back may be redeemed as a statement credit, U.S. Bank Rewards Card, or deposited to your U.S. Bank business checking, savings or money market account. The amount of Rewards that may accumulate for your Account is unlimited. Rewards accumulated are non-expiring, subject to conditions set for herein. Refer to your cardmember agreement for full details.

  3. An automatic statement credit of $100 per 12-month period will be applied to your Account within two (2) statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider. Eligible software service providers are identified by their Merchant Category Code (MCC) and purchases made at discount/retail stores or online retailers may not qualify. We do not determine the category codes that merchants choose and reserve the right to determine which Purchases qualify. We reserve the right to adjust or reverse any portion or all of any software services credit for unauthorized purchases or transaction credits. Account must be in good standing (open and able to use) to receive the credit. 

  4. Cardmembers will earn an additional 4% cash back above base earn for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations in the travel rewards center using your U.S. Bank Triple Cash Card. Prepaid car and hotel reservations in the travel rewards center are not classified as a travel category merchant transactions and are not eligible to receive additional cash back for that category. Please allow 1-2 statement billing cycles for your cash back reward to appear on your credit card statement.

  5. From time to time we may offer you the benefit of our U.S. Bank ExtendPay® Plans, which allow you to pay off balances in fixed monthly payments over time and still avoid paying interest charges on new Purchases. Only your company’s Authorized Officer (AO) may enroll in an ExtendPay Plan. All references to "you" and "your" apply to the AO. If your company’s card program is set up with central billing, the AO may select ExtendPay eligible Purchases when viewing the central billing account (which includes Purchases made on employee cards). If your company is set up with individual billing, the AO may only select Purchases made on their own card account. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases and pay in monthly installments with just a small fixed monthly fee. Only Purchase balances are eligible for ExtendPay Plans. Transactions identified as Advances or Balance Transfers (as defined in your Cardmember Agreement), and any interest or fees, including Annual Fee, do not apply. The only Purchases that will appear as "Eligible Purchases" in the enrollment process are Purchases that were made within 60 days prior to signing up for an ExtendPay Plan, are over $100, and are less than your Purchase balance when you sign up for an ExtendPay Plan. Any unpaid balance remaining on an ExtendPay Plan after the chosen pay-back period will be subject to the APR and minimum payment calculation for purchases outlined in the Cardmember Agreement. The monthly fixed fee will be determined when your ExtendPay Plan is created and is provided to you before you complete setting up an ExtendPay Plan. This fee will remain the same until the ExtendPay Plan is paid in full. The monthly fixed fee of the ExtendPay Plan is based upon the original principal amount, Purchase APR, and other factors.