There are a number of solid business credit cards on the market. The big players, Chase and American Express, offer several great options, including cards that get cardholders access to their transferable points currency. However, for those looking for a simple cash-back card, the U.S. Bank Triple Cash Rewards Visa® Business Card might be the card for you. It comes with business-friendly bonus categories, a long introductory 0% APR period and a generous sign-up bonus.

If you’re saying to yourself, “but I don’t have a business”, think again. You don’t need to own a traditional business to apply for a business credit card. If you have a side hustle that makes money, you have a business.

You can apply for the U.S. Bank Triple Cash Rewards Visa® Business Card here.

Card Features

Bonus Offer

You’ll earn $500 cash back, after you spend $4,500 on purchases within 150 days from account opening.

Annual Fee

This card has no annual fee.

Earning Rates

The U.S. Bank Triple Cash Rewards Visa® Business Card offers some business-friendly bonus spending categories:

• 5% cash back on hotels and rental cars booked through U.S. Bank’s travel portal
• 3% cash back at gas and EV charging stations
• 3% cash back at office supply stores
• 3% cash back on cell phone service providers
• 2% cash back on dining
• 1% cash back on all other spending

If your business spending aligns with these bonus categories, you can rack up some decent cash back with this card. Plus, getting 5% cash back on hotels and rental cars is nice, even if you have to book through U.S. Bank’s travel portal.

Card Benefits

Low Intro APR

0% intro APR for the first 15 months on purchases and balance transfers. 

Note: Balance transfers must occur within the first 30 days of account opening and there is a transfer fee of 3% or $5, whichever is greater. 

$100 Statement Credit

Cardholders will earn an automatic statement credit of $100 for recurring software subscription expenses such as FreshBooks or QuickBooks.

Note: The credit is available once every 12-month period following 11 consecutive months of eligible software service purchases.

Who should look for another card?

If you travel a bunch for your business, this card lacks the travel-focused perks that other business cards offer. For those true road warriors, I recommend a card with travel protections like the Chase Ink Business Preferred® Card. That card will get you trip cancellation, trip interruption and trip delay protections.

Or if you’re loyal to one airline, look at a card like the CitiBusiness® / AAdvantage® Platinum Select® card, where you can get you free checked bags and priority boarding. Finally, those loyal to a specific hotel brand could look at a card like the Marriott Bonvoy Business™ American Express® Card. That card comes with an annual free night award and Marriott Bonvoy Gold Elite status.

Points Instead of Cash Back

If you’re interested in earning points instead of cash back, there are plenty of other options to consider. Transferable points can be used in so many different ways, including redeeming for free travel. There are some very good business cards available from both Chase and American Express.

American Express

The following business cards earn American Express Membership Rewards® points:

• Blue Business Plus – earns 2 points per dollar on all purchases, up to $50,000 spent annually
• The Business Platinum Card – earns 5 points per dollar on flights and prepaid hotels booked at amextravel.com
• Business Gold Card – earns 4 points per dollar on two select categories where you spend the most each month

For more on how to use those transferable points, check out The Complete Guide to American Express Membership Rewards®.

Chase

Similarly, Chase also offers these business cards which earn Chase Ultimate Rewards® points:

• Chase Ink Business Preferred – earns 3 points per dollar on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising made with social media sites and search engines each year
• Chase Ink Business Cash – earns 5 points per dollar on the first $25,000 spent in combined purchases on office supply stores and on internet, cable and phone services
• Chase Ink Business Unlimited – earns unlimited 1.5 points per dollar on all purchases

For more on how to use those transferable points, check out The Complete Guide to Chase Ultimate Rewards®.

Bottom Line

If you’re a small business owner and your business spending aligns with the bonus categories, the U.S. Bank Business Triple Cash Rewards card is one to consider. You’ll get a $500 welcome bonus, up to 3% cash back (even 5% on hotels and rental cars) and one of the longest introductory 0% APR periods. Plus with no annual fee, there’s little downside to carrying this card.

Another interesting perk is that balance transfers, not just new purchases, qualify for the 0% APR. That is highly unusual and something new applicants can definitely take advantage of.

Detractors of this card argue that it has a smaller welcome bonus then other business cards. For example, the Chase Ink Business Cards have offered 90,000 points or $900 cash. However, those cards have much higher spending requirements, so it’s not an apples-to-apples comparison. I find a $500 cash bonus to be just fine.

My main complaint is the lack of travel-related perks. I recommend that business owners who travel a lot take a look at those other cards that do have good travel protections.

Apply here for the U.S. Bank Triple Cash Rewards Visa® Business Card.