ToolsCard ScoresBusiness Triple Cash Rewards
Is the US Bank Business Triple Cash worth it?
MoneyRoom Card Score
8.5/ 10
A no-fee business card that pays for software you already buy: 3% on dining and gas, and a software-subscription credit worth $95 at typical use, as long as the subscription stays on the card every month.
Data: MoneyRoom card catalog (details pending verification are flagged) · scores update daily · catalog data as of 2026-09-30 (source: www.usbank.com) · How we verify
This no-fee card has a real credit: money back on software subscriptions — the QuickBooks-type bills many small businesses already pay — worth $100 at face value and $95 after our discount for what people miss. It isn't free money: U.S. Bank pays it once per rolling twelve months, and only after an eligible software purchase posts in each of 11 months in a row. For a business whose software bill really does repeat, that credit puts the card ahead of a card with the same rates and no credit.
Earning is middle of the road: 3% on dining and gas over an ordinary base rate works out to about 1.6% back on a household's typical spending — which, like every business card we score, understates a business with office-type spending. No fee gives a perfect value score, effort loses a fraction of a point for the credit's upkeep, and the overall score is 8.5.
Credits vs. fee
No annual fee to cover.
The Business Triple Cash Rewards lists $100 in yearly credits and benefits at face value (their full amounts). Using our published assumptions, we estimate a typical cardholder gets back about $95. Typical value applies our published discounts for what makes credits easy to miss: deadlines, limits on where you can use them, enrollment (switching a credit on once), and waiting to be paid back.
| Credit / benefit | Resets | Face value / yr | Typical value |
|---|---|---|---|
| Software Subscription Credit | Yearly · cardmember year | $100 | $95 |
| Yearly total | $100 | $95 | |
After the fee, at face value:+$100 / yr
After the fee, at typical use:+$95 / yr
The fine print that matters
Why is typical value less than face value?
The credit's terms are stricter than "yearly" suggests: it pays once per rolling twelve months, but only after an eligible software purchase posts on the card in each of 11 months in a row. There's no single yearly deadline — there's a streak to keep, and paying the software bill from another account for even one month breaks it. So the whole strategy is one step: put the recurring subscription on this card, then leave it alone.
Software Subscription Credit — $95 typical of $100 face
- Resets yearly × 0.95
Earning
What does everyday spending actually earn?
Rewards come as cash back, worth exactly what it says. On our published mix of everyday spending, that works out to 1.6% back.
| Category | Rate | After spending caps | Note |
|---|---|---|---|
| Dining | 3% | 3.00% | |
| Groceries | 1% | 1.00% | Base rate |
| Gas | 3% | 3.00% | |
| Flights booked direct | 1% | 1.00% | Base rate |
| Hotels booked direct | 1% | 1.00% | Base rate |
| Everything else | 1% | 1.00% |
Not in the score
What does the score leave out?
- Business spending. A business that spends a lot in the bonus categories earns more than our household estimate — the usual business-card caveat, in this card's favor.
- U.S. Bank banking perks. Deposit and lending relationships aren't part of the card's rates.
- The welcome offer. One-time, left out as always.
Listed on the card, never priced:
- Software credit tracking
Your own numbers
See if it pays for itself for you.
The score assumes a typical cardholder. The free Annual Fee Calculator loads this card's real credits and fee and lets you enter what you'd actually use — no account needed.
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Questions
Common questions before you apply.
What makes this different from other no-fee business cards?
The software credit — $95 at typical use, against a bill most businesses already pay. It collects itself as long as the subscription stays on the card every month.
What does it score?
8.5 out of 10: value 10.0, effort 9.7 (the eleven-month streak), earning 5.3 at about 1.6% back on a typical year of spending.
How do I make sure I get the credit?
Put the qualifying software subscription on this card and leave it there. The credit needs an eligible software purchase in each of 11 months in a row, so it's one decision, then eleven months of not undoing it. Paying that bill from another account for a single month is what costs people the credit.
When do the Business Triple Cash Rewards credits reset?
Each credit has its own schedule: 1 credit resets once a year. 1 of them runs on your cardmember anniversary instead of the calendar, so the deadline depends on the date you opened the card. Unused amounts don't roll over. See every card's reset calendar.