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The has something for everyone when it comes to the features small business owners often look for in a business credit card: Solid cash back rewards 0% intro APR, and Bonus cash back welcome offer, plus No annual fee That makes it solidly competitive with other small business credit cards… Continue

Nav's Verdict

The U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® has something for everyone when it comes to the features small business owners often look for in a business credit card:

  • Solid cash back rewards
  • 0% intro APR, and
  • Bonus cash back welcome offer, plus
  • No annual fee

That makes it solidly competitive with other small business credit cards that may offer some of these benefits, or even all of them but with a high annual fee.

Benefits of the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®

Rewards cards are popular with business owners who typically spend more than the average consumer. All that business spending can add up to significant rewards. For those looking for a cash back card, this card delivers.

First, the ongoing rewards are competitive, especially for business owners with heavy spending in certain categories. Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Plus, there is a 25% annual bonus based on your prior year’s cash rewards, up to $250. There is no limit on the amount of cash back that can be earned and rewards never expire.

On top of all that, there’s a Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.

In addition, cardholders get a $100 statement credit each year towards eligible recurring software subscriptions, such as QuickBooks.

For those who may need to finance purchases over time, the intro APR of 0% for 15 billing cycles on purchases and balance transfers is appealing. Keep in mind that the interest rate after the introductory rate expires will be higher. The ongoing purchase rate on this card is currently 13.99% - 22.99% (Variable).

Is this U.S. Bank business credit card right for you?

If you are looking for a dependable cash back rewards business credit card with no annual fee, you’ll find the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® to be a solid choice. While there are cards with more lucrative welcome offers, they may require cardholders to spend more in the first few months, or may carry an annual fee.

In addition, if travel rewards are your primary goal you may want to consider other small business credit cards with travel perks. That’s especially true if you are loyal to a particular airline or hotel brand and want to earn rewards like elite status, priority boarding or points/miles toward travel.

How to apply for the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®

You can apply for the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® online and get a decision quickly. You’ll be asked questions about your personal qualifications as well as basic information about your business, including information about your business. Note that you’ll be asked for a business tax ID. If you operate as a sole proprietor, you can use a a TIN or SSN. For all other types of businesses, a TIN is required. You will also need to enter your personal information, including your Social Security number. There will be a personal credit check.

FAQs

Are U.S. Bank credit cards hard to get?

As with most small business credit cards, there will be a personal credit check when you apply and you must have good credit to qualify. If you have not established good credit, or if you have high debt usage on your personal credit cards, this may not be the right card for you.

Does this U.S. Bank business credit card report to personal credit?

U.S Bank does not report business credit card activity to the cardholder’s personal credit (though it may if the cardholder defaults). Learn more about how issuers report to business credit here.

Does U.S. Bank offer a secured business credit card?

Secured business credit cards are popular with those who have limited credit histories and are having trouble qualifying for a card as a result. U.S. Bank does currently offer a secured credit card, it does not currently offer a secured business credit card. Learn more about secured business credit cards here.

About Author

Gerri Detweiler

Gerri Detweiler is Education Director for Nav. Known as a financing and credit expert, she has been interviewed in more than 4000 news stories, and answered over 10,000 credit questions online. Her articles have been widely syndicated on sites such as MSN, Forbes, and MarketWatch. She is the author or coauthor of five books, including Finance Your Own Business: Get on the Financing Fast Track. She has testified before Congress on consumer credit legislation.