US Bank
Business Triple Cash Rewards
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Card review
Business Triple Cash Rewards
US Bank
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
See issuer
Est. net value
$488/yr
Credit score
Varies
Top earn rate
3x dining
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Business Triple Cash Rewards from US Bank carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $387.60 in rewards plus $100.00 in credits and perks — $487.60 net per year before welcome bonuses.
How the points work
Earn 3% at gas stations, office supply stores, cell phone service providers and restaurants
Earn 1% on everything else
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| DiningDining | 3× |
| GasGas | 3× |
| Everything elseOffice Supply Stores | 3× |
| Everything elseCell Phone Providers | 3× |
| Everything elseAll Purchases | 1× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Credits
- Software$100/yr
$100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
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Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.