U.S. Bank’s latest credit card offer, the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®, best suits businesses whose operators spend plentifully at gas stations, restaurants, office supply stores and with cell phone providers or those businesses looking for a medium-length balance transfer card. In addition to the card’s unlimited 3% cash-back in specialized categories, users can also take advantage of the 1% on all other eligible purchases.
The Triple Cash comes with a 15-billing cycle 0% introductory APR on eligible balance transfers and purchases to be followed by the card’s variable rate APR, currently 13.99% to 22.99% based on applicant creditworthiness (See rates and fees). This could be a boon to a business looking to save on existing high-interest debt.
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
Welcome Bonus
$500
Annual Fee
$0
Regular APR
13.99% - 22.99% (Variable)
Credit Score
Good/Excellent (700 - 749)
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
- 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.
- 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.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- 0% Intro APR on purchase and balance transfers for 15 billing cycles. After that, a variable APR currently 13.99% – 22.99%.
- No annual fee.
- Great Offer from U.S. Bank, a 2021 World’s Most Ethical Company® – Ethisphere Institute, February 2021
- The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license fromMastercard International Incorporated, and the card is available to United States residents only. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
Card Details
The Triple Cash Card’s unlimited 3% cash back on eligible purchases at gas stations, restaurants, office supply stores and with cell phone providers is the card’s headlining feature, but the 15-billing cycle 0% introductory APR on purchases and balance transfers to be followed by the card’s variable rate APR of 13.99% to 22.99% based on applicant creditworthiness also provides another solid reason to get the card.
A valuable perk of the card is an annual $100 statement credit for recurring software subscriptions like QuickBooks or FreshBooks for those who use an eligible service. Cardholders can earn the credit after making 11 consecutive monthly software purchases. The card also offers World Elite Mastercard benefits, which include various perks like the Mastercard Easy Savings® Program, Mastercard ID Theft Protection™ and other relatively standard travel and lifestyle perks.
The card also offers a welcome bonus of $500 for those who spend at least $4,500 on the account holder’s card in the first 150 days following account opening.
There’s no limit on rewards that can be earned and earnings with the Triple Cash only expire if the account is closed.
The U.S. Bank Triple Cash Rewards World Elite Mastercard Is Best For:
Business Operators Who Drive a Lot
Small businesses whose owners and operators spend a lot of time behind the wheel and can reap the unlimited 3% cash back reward for purchases made at gas stations. Single gas purchases over $200 will earn 1% cash back rather than the 3% rate. The card has substantial rewards potential for someone who frequently fills up at the pump. At the time of this writing, the average price for a gallon of gas in the U.S. is $3.16. With 3% cash back, business owners can earn almost $0.10 in rewards per gallon of gas.
Few other business credit cards offer rewards on gas station spending as high as this card and even fewer offer unlimited rewards in this category. Truckers and other operators whose business involves buying significantly larger volumes of fuel should note that gas cards and other bulk-purchase options will likely provide much better savings than buying gas on a business credit card.
Businesses Using Plenty of Office Supplies
Most businesses trying to save on bulk office supplies will likely order office supplies from less expensive vendors than the typical big-box office supply stores. But those operators who don’t see a benefit in doing this may see one with the unlimited 3% cash back reward offered for eligible purchases at office supply stores offered by the Triple Cash card.
Businesses Dining Out Often or with Large Cell Phone Bills
Though business credit cards typically do offer rewards in the restaurants and phone service categories, relatively few will offer unlimited cash back at a 3% rate on eligible purchases made in these categories.
Businesses Transferring a Balance
For those businesses looking for more time to pay off a credit card balance, the Triple Cash card offers a 15 billing-cycle 0% introductory APR on purchases and balance transfers to be followed by the card’s standard rate APR of 13.99% to 22.99% depending on applicant’s creditworthiness. The card does charge a 3% balance transfer fee, but 3% of a balance transfer amount is near-guaranteed to be less than any accrued interest on any credit card.
Bottom Line
The U.S. Bank Triple Cash Rewards World Elite Mastercard offers above-average cash-back reward-earning potential in four categories, an annual credit for eligible software purchases and a 15 billing-period 0% introductory APR on purchases and balance transfers. For those businesses that rack up the expenses when it comes to the eligible purchases made at gas stations, office supply stores, restaurants and with cell phone service providers, the card’s unlimited 3% cash back may be worthwhile.
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August 13, 2021 at 08:00PM
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Thankyou for sharing this article. Cash back is a credit card perk that typically reimburses the cardholder a small percentage of each transaction made above a specific monetary threshold. Offers in abu dhabi gives the real cashback for you.
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