Update 5/12/25: Reduced to $500
The Offer
- U.S. Bank increased the signup bonus on their Triple Cash Rewards Business Card to $750 after spending $6,000 within 180 days.
Card Details
- No annual fee
- Card earns the following cash back rates:
- 3% on select categories:
- restaurants/restaurant delivery
- gas stations (“purchases of gasoline greater than $200 will not be deemed to be a purchase of automotive gasoline and as such will earn a reward of 1%”)
- office supply stores
- cell phone service providers
- All other purchases earn 1%
- 3% on select categories:
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- 3% foreign transaction fee
- Full review here
Our Verdict
Since launch the bonus has been $500 after $4,500 spend. This is a nice increased bonus, and also a higher spend requirement at $6,000 within 180 days. Nice, I’m considering giving this one a go, especially given the 12 months of 0% APR which I can float the $6,000 spend.
U.S. Bank does not report business cards to the personal bureaus (though you will get a hard pull on your personal report). Check out these Things To Know About U.S. Bank Credit Cards before applying. We’ll add this to our list of Best Credit Card Signup Bonuses.
Hat tip to DDG
Shows $500 offer only for me.
How long after hitting the spend requirement are you guys seeing the bonus post?
P1 and P2 were both approved for this card, but we each received a mere $3,000 credit limit. Household income is a little over 100k. Is this typical?
Do you have any other usb biz cards? In my experience, they gave me low CL when I had multiple existing biz cards with them.
In my case, I got 18k on the first TC card and 16k on the second (about 24 months apart).
That’s so weird. Our credit scores were both around 750 when we applied, so that shouldn’t be an issue. Did you already have personal USB accounts when you applied for the TC card?
No, this was the first (and only) business credit card with USB for both of us.
Yes unfortunately it is typical. I have 4 of these and they did it every time even though my typical CL with other banks is like $10k+
Yeah, same situation with other banks. Typically 10k+, or 5k at the very least. I guess they just deem certain people risky for whatever reason.
I saw your other comments. Me and P2 both between 750-800 credit score and $100k+ income and like 5% credit utilization. I have other personal UsBank cards. And still they did that. It seems like a lottery to me to be honest I don’t think any bank considers us to be risky. My theory is they do it because they know it’s 0% interest for a year, and they’re handing out $750 so they want to make it very difficult to hit the spend requirement
Got my second card of these and the terms I got in the mail don’t mention the 0% intro APR. The balance transfer offers for the card I see online on my account also don’t show a 0% promo option. Is the promo APR not churnable? I don’t see anything in the language that would indicate that.
I got it on two cards from 10 months ago and 6 months ago
Hopefully it was just a typo then. I’ll have to see if my first statement shows the promo APR.
I hope they honor the $750. Applied yesterday, approved today with $14,500 cl. Took a screenshot of the $750 offer page.
This is my eighth usb biz card in the last four years.
I have two currently (now three): one TC with a balance at 0%, one Leverage with spend on it for it’s $750 bonus, but I’m paying it off monthly.
I closed a TC and Leverage last month.
Would you be willing to share your application timing for the TC cards? Did you hold more than one TC card simultaneously? How long did you wait between applications? Same business or different businesses? Thanks for any information.
You can search my comment history as I’ve made a few comments on USB biz cards, but, in short, one business, sole p; yes, I’ve had as many as two TC cards and successfully applied for a third, along with leverage cards.
When I was refused new TC and Leverage cards I cancelled existing ones and waited a few months.
Now, I cancel them after a year for the Leverage (because of the AF), and a year plus for the TC, then apply for new ones within a few months. I’ll keep the TC’s loaded up as long as the 0% lasts.
I probably average a new USB biz card every six months, but I don’t space it like that, I do them in bunches: a TC, then a leverage, then wait.
I found if I had too many existing USB biz cards then my CL would be on the low side, like $5-8k; which makes it difficult to open bank accounts with because you are limited to one quarter of the overall CL when funding a new account with your cc. You have to set your cash advance on the phone with a rep to max; funding a bank account with the cc acts like a cash advance, but I’ve never been charged as a cash advance, always as a purchase.
I don’t know why I said “in short” lol.
What are you telling them is your business income to get approved like this? Me and P2 have been approved for 2 each, and I’ve emptied and closed 1 each, but we’ve both hit a brick wall of denials. That’s including the Leverage. My oldest Triple Cash was a year old and been closed for two months.
Preparing for a churn.
What is the best strategy when closing a Triple Cash Rewards card? Keep it open for a year or close shortly after receiving bonus?
thanks
Leverage the 0% APR for 12 months.
I just tried applying to this online. It wasn’t approved, and they gave me the notice that they’ll back to me. After applying, I realized that my TransUnion was locked. What would you guys recommend I do? Should I contact U.S. bank to see if they can try checking my score again, do I just forget about this application and reapply in a month or so? Any other options would be much appreciated.
Call them and talk to someone. I have gotten a card in the past doing this. Unlock your credit report at least an hour before you call. US Bank pulled Equifax on me last time but they have also used one of the other two in the past but I don’t remember which one.
TransUnion for my recent application in California.
Reading through the comments here, it seems you can get approved and get the bonus for this card even if you currently have the same card? Am I correct?
Yes
yep
How long to wait between applications? Same business or different businesses?
Thanks for applying. You’ll hear from us soon.We’re looking over your application and may ask you to provide additional info or documents. You’ll certainly hear from us by mail once we have a decision, usually in 7 to 10 business days.
Update?
Has anyone churned US Bank Leverage card recently ? Because I noticed under the fine print #3: “…. Existing and previous Business Leverage accounts do not qualify for bonus points for a similar account type…..” I had this card a year ago and was planning to apply back for the same business EIN, but decided not to after seeing this. Please share your experinces. I had to post here because it seems the MODERATOR does not check my posts under US Leverage post, since it has been pending for a while …
Hmm, I would interpret that to mean that if you have an existing Leverage card you can’t meet the spend on that existing card and get the bonus.
I’m working on the spend on a Leverage now, I’ve done three previously, each time with an existing Leverage.
So unless they changed something recently, you should be ok
I’ll find out when I complete the spend requirement in the next few weeks
@Brian R
You had done previously with the exact same EIN or different EIN ?
Everything the same, including EIN. I had at one time three TC and two Leverage cards.
When I was denied for the next one I cancelled the oldest two, waited two months, and successfully repplied.
Thanks
They always had this language. I’ve churned this and got bonus both times. First got the bonus in May, 2021. Second time was Aug, 2024.