Our illustration in the card’s colours, not its design
US Bank credit card
Triple Cash Rewards Visa® Business Credit Card
No annual fee. $750 Cash Back after you spend $6,000 in 6 months. Purchase APR 17.49–26.49%, variable.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · usbank.com
“New Credit Card Enrollment Bonus: One-time $750 cash back will be awarded if eligible Net Purchases totaling $6,000 or more are made to the Account Owner's Card within 180 days from account opening.”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · applications.usbank.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · applications.usbank.com
“After that, 17.49% to 26.49% based on your creditworthiness when you open your account.\n”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · applications.usbank.com
“3% of each foreign transaction”
Select an underlined figure to see where it comes from.
US Bank’s terms
Welcome offer
$750 cash
After you spend $6,000 on purchases in your first 6 months.
- Spending it takes
- $1,000 a month
- for 6 months
- Tracking since
- Sep 29, 2026
- history will chart every change
Must be completed within 180 days from account opening. Please allow 1–2 statement billing cycles after meeting the requirement for the cash back to be credited. The offer may not be combined with any other offer.
- Larger than about 90% of the 48 other cash bonuses we track.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $920 | $170 | |
| Typical spender | $1,170 | $420 | |
| Heavy spender | $1,625 | $875 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: not counted: 3x office supply stores; not counted: 5x prepaid hotel reservations purchased in the Travel Center.
$170a year
$920 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 3x office supply stores.
$420a year
$1,170 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 3x office supply stores.
$875a year
$1,625 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 3x office supply stores; not counted: 5x prepaid hotel reservations purchased in the Travel Center.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 80% of the 732 cards we track.
- No annual fee, like about 85% of the 711 cards we track.
- Lower top APR than about 75% of the 163 cards on our Sign-up bonuses list (see the list).
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$190 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$180 a year
- Credit One Bank Omni RewardsCredit One · No annual fee+$180 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Cash Rewards
How you earn
- 5%
- prepaid car reservations purchased in the Travel Centerprepaid hotel reservations purchased in the Travel Center
- 3%
- restaurants/restaurant deliveryoffice supply storescell phone service providersgaselectric vehicle charging stations
- 1%
- Everything else
Cash back, as a share of each purchase.
Benefits
- Software services credit: $100 annual
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · applications.usbank.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · applications.usbank.com “After that, 17.49% to 26.49% based on your creditworthiness when you open your account.\n” |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · usbank.com “Low intro APR Your 0% intro APR 4 applies to purchases and balance transfers.” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · applications.usbank.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · usbank.com “Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply.” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Issuer's page · applications.usbank.com “Business Cash Rewards Card: 30.74% \n” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer's page · applications.usbank.com “Either 5% of the amount of each advance or $10 minimum, whichever is greater.” |
| Penalty APR | Receipt · Penalty APRChecked Nov 1, 2026 Issuer's page · applications.usbank.com “29.99%” |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Issuer's page · applications.usbank.com The source states this figure; we have no exact sentence on file yet. |
| Returned payment | Receipt · Returned paymentChecked Nov 1, 2026 Issuer's page · applications.usbank.com The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · applications.usbank.com “3% of each foreign transaction” |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 Issuer's page · applications.usbank.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- None · applications.usbank.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 3% of each foreign transaction. · applications.usbank.com, since Sep 29, 2026
- What is the purchase APR?
- 17.49–26.49% APR · applications.usbank.com, since Sep 29, 2026
- Is there an intro APR?
- 0% for first 12 billing cycles. · usbank.com, since Sep 29, 2026
- Is there a welcome bonus?
- $750 cash back after $6,000 in purchases in 6 months. · usbank.com, since Sep 29, 2026