U.S. BANK TRIPLE CASH REWARDS BUSINESS CARD

Benefits and Rewards

Important changes coming to your U.S. Bank Business Triple Cash Rewards Card effective April 14, 2025.

Your card will give you even more great benefits, including:

Redeem points for charity and get a 100% match
Redeem Cash Rewards for a monetary charity contribution to a variety of nonprofits, and U.S. Bank will match your contribution at 100%.

Discount on purchased gift cards
Coming in early 2025! Receive discounts of up to 5% on dozens of name brand gift cards.

Discover all your card rewards and benefits in an enhanced online experience
Explore our enhanced rewards and benefits experience in the U.S. Bank Mobile App and at usbank.com. It’s your one-stop destination to view and redeem rewards, discover discounts from hundreds of merchants, and find out more about how your card benefits can make your experience even more rewarding.

A new and improved Travel Center is now available
Our new Travel Center, now with Booking.com, makes it easy to book hotels, air travel, car rentals, and attractions while also earning cash back. This is a great option for booking your travel.

The following rewards program updates will take effect April 14, 2025.

Updated rewards earning
3% cash back on gas and electric vehicle charging station (transactions of $200 or less)^, office supply store, cell phone service provider and restaurant purchases.1

You will continue to earn 5% cash back on prepaid hotel and car rentals booked directly through the Rewards Center2 and 1% cash back on all other eligible purchases.1 Plus, a $100 annual software credit.3

^ Excludes discount stores/supercenters and wholesale clubs.

Reward redemption and expiration changes
Cash Rewards will not expire as long as you keep your account active.7 To keep your account active, simply make a purchase, maintain a balance or redeem rewards. Cash Rewards will expire if there is no activity for 12 billing cycles.

You’ll get the most value when you redeem your Cash Rewards as a statement credit, deposit into an eligible U.S. Bank account or as a cash donation to charity.

When redeeming Cash Rewards for Real-Time Rewards and U.S. Bank Rewards Cards, the Cash Rewards values and redemption minimums may vary over time, and will be disclosed upon redemption.8

Get the most from your card.

Earn unlimited Cash Rewards on all eligible business purchases.

  • Earn 3% cash back on gas and electric vehicle charging station (transactions of $200 or less)^, office supply store, cell phone service provider and restaurant purchases.1
  • Earn 1% cash back on all other eligible new purchases.1
  • No limits on the total rewards you can earn.1

^Excludes discount stores/supercenters and wholesale clubs.

Important:

  • Earn 5% cash back on prepaid hotel and car rentals booked directly in the Rewards Center.2
  • The account must be open and in good standing (not past due or overlimit) to earn and redeem rewards.

Log In to My Rewards

$100 annual credit for recurring software subscription expenses3

  • Use your Triple Cash card for all your software needs, including monthly subscription fees for accounting and productivity services like Quickbooks, Xero, and FreshBooks
  • Make sure that your Triple Cash card is on file with your software vendor as your preferred payment method
    • Tip: contact your billers and ask to set up recurring bill payments so that your regularly occurring expenses are paid automatically
  • After 11 consecutive monthly payments, you’ll be rewarded with a $100 statement credit
    • You can earn $100 back every year you qualify

Rewards pooling is when all rewards earned by any card within the company card program accumulate to the Central Bill account, which can only be accessed by the Authorized Officer or Authorized Representative. Central Billing is required for rewards pooling.

Important Facts:

Most rewards accounts are automatically set up for rewards pooling. To verify if your account is set up for Central Bill with rewards pooling, contact Cardmember Service using the number on the back of your card. It will take up to two monthly statements to get set up on Central Billing and rewards pooling.

Learn About Central Billing

Redemption Choices

Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.7

It’s easy to redeem your reward cash back towards a statement credit, deposit to a qualifying U.S. Bank account, a U.S. Bank Rewards Card, or redeem instantly with Real-Time Rewards.8

How to redeem rewards:

  • Log in to Online Banking.
  • Under the “My Accounts” tab, select “My Rewards.”
  • Click “Redeem Rewards” to start redeeming.

Or Contact Us to reach Cardmember Service.

Important:

  • The account must be open and in good standing (not past due or overlimit) to earn and redeem rewards.

View the complete guide to benefits here (PDF).

Auto Rental Collision Damage Waiver

Receive Auto Rental coverage by charging your entire rental transaction amount to your eligible card and declining the extra collision insurance (or loss damage waiver) from the rental company. If your rental car is damaged or stolen while you’re traveling, you can be covered! It’s your ticket to significant savings and increased peace of mind. Certain terms, conditions, and exclusions may apply.6

Call 1-800-348-8472 for additional details to determine if this coverage is right for you or to make a claim.

Travel and Emergency Assistance Services

Enjoy your trip knowing you have a wide range of emergency services available 24 hours a day when you are away from home. Get help coordinating medical, legal, and travel services when you need them. You are responsible for the cost of any actual medical, legal, transportation, cash advance, or other goods or services provided. Certain terms, conditions, and exclusions may apply.6

Call 1-800-992-6029 to learn more.

Purchase Security

Protect your credit card purchases in case of theft or damage due to a covered reason for the first 90 days from the date of purchase. Purchase Security will replace, repair, or reimburse your eligible items of personal property purchased entirely with your eligible credit card. Certain terms, conditions, and exclusions may apply.6

Call 1-800-848-1943 to learn more or make a claim.

Extended Protection

Double the time period of the original manufacturer’s written U.S. warranty up to one (1) additional year on warranties of three (3) years or less – up to a maximum of ten thousand dollars ($10,000) per claim. The eligible item must have been purchased with your eligible credit card. Certain terms, conditions, and exclusions may apply.6

Call 1-800-848-1943 to learn more or make a claim.

Visa Discounts

Receive valuable discounts and/or gift-with-purchase offers from a wide collection of popular online and in-store retailers.

View Offers

Visa SavingsEdge®

Enjoy this complimentary program where you can save up to 15% on business purchases. Enroll your Visa Business card to save money on qualifying purchases at participating merchants. Your savings appear as automatic credits on your future account statements.

Learn More

View the complete guide to benefits here (PDF).

MasterRental® Car Rental Collision Damage Waiver Insurance

Receive Auto Rental coverage by charging your entire rental transaction amount to your eligible card and declining the extra collision insurance (or loss damage waiver) from the rental company. If your rental car is damaged or stolen while you’re traveling, you can be covered! It’s your ticket to significant savings and increased peace of mind.

Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Please refer to your Guide to Benefits, visit mycardbenefits.com or call 1-800-627-8372 for details.6

Airport Concierge

Receive a 15% discount on a dedicated “Meet & Greet” escort service to guide you through the airport upon departure, arrival or any connecting flights at over 700 destinations worldwide.

Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits or call 1-800-MASTERCARD (1-800-627-8372) for details.6

 

Mastercard Lifestyle & Travel Services

Experience a suite of premium travel benefits that provide access to Luxury Hotels & Resorts Portfolio, upgrades and discounts on select airlines, elite status at participating car rental companies and added-value through our Cruise and Tours and Vacations programs.

View Benefits or call 1-800-627-8372.

Mastercard Easy Savings® Program

Enjoy this complimentary program where you can save on business purchases. Use your Business Mastercard on qualifying purchases at participating merchants. Your savings appear as automatic credits on your future account statements.

Learn More

Mastercard ID Theft Protection™

Provides you with access to a number of identity theft resolution services, should you believe you are a victim of identity theft. This product offering will alert you about possible identity theft by monitoring the surface, dark and deep web, searching for compromised credentials and potentially damaging use of your registered personal information in order to detect fraud at its inception. Services provided are on a 24-hour basis, 365 days a year.

Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please refer to your Guide to Benefits, visit mastercard.us.idprotectonline.com or call 1-800-MASTERCARD (1-800-627-8372) for details.6

24/7 U.S.-Based Customer Service

We have dedicated specialists available 24/7 to assist you with any questions about your account.

Contact Us or call the number on the back of your card.

Fraud Protection

We have sophisticated fraud-monitoring tools that look for abnormal spending patterns. If we see something unusual, we move fast to keep your card and your account information safe.

Your account is also protected with zero fraud liability, which means you’ll get reimbursed for 100% of fraud losses due to unauthorized use of your account. Please notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

Chip Technology

Your credit card is embedded with a microchip that adds an additional layer of security to your traditional magnetic stripe card. It turns cardmember information into a unique code that is virtually impossible to duplicate or copy when used at a chip-enabled terminal. If the merchant has a chip terminal, they will ask you to simply insert your card into the terminal and sign your name to verify your purchase. At merchants who are not equipped with chip terminals, swipe your card and sign your name as usual.

Online and Mobile Account Access

View your account balance, pay your credit card, set up account alerts, and more.

Online Banking       Mobile Banking

Budgeting Tools

You know best how to manage your money, which is why U.S. Bank offers free credit card management tools that help you avoid interest and late fees. You can also set up account alerts, set controls and choose your payment due date.

Learn More

Financial IQ

The U.S. Bank Financial IQ website offers educational, inspirational and thought leadership topics to promote financial wellness for everyone, whether at work, home or play. To find topics to support you and your business, please visit usbank.com/financialiq and click on the "Manage your Business" section.

Don’t miss out on a $100 statement credit

Did you know you can earn money back on the software that you rely on to keep your business running? Use your card to set up recurring payments for software purchases and monthly software subscription fees – after 11 consecutive monthly payments, you’ll earn $100 back.3

Start of disclosure content

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated, and the cards are available to United States residents only. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Start of disclosure content

  1. You will earn three percent (3%) cash back for every $1 spent in eligible Net Purchases at restaurants/restaurant delivery, office supply stores, cell phone service providers, and gas and electric vehicle charging stations excluding wholesale clubs and discount stores/supercenters. All other Net Purchases may earn 1% cash back. Purchases of gasoline or electric vehicle charging greater than $200 will not be deemed to be a purchase of automotive fuel and as such will earn a reward of 1%.

  2. You will earn 5% Cash Back (1% base and 4% bonus cash back) for every $1 spent in eligible Net Purchases on prepaid car and hotel reservations purchased in the Rewards Travel Center using your U.S. Bank Triple Cash Visa Business Card. Please allow 1-2 statement billing cycles for Points to appear on your credit card statement.

  3. An automatic statement credit of $100 per 12-month period will be applied to your Account within 1-2 statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider. Eligible software service providers are identified by their Merchant Category Code (MCC) and purchases made at discount/retail stores or online retailers may not qualify. We reserve the right to adjust or reverse any portion or all of any software services credit for unauthorized purchases or transaction credits.

  4. The prepaid U.S. Bank Rewards Card cannot be reloaded with additional funds, nor can it be used at an ATM. For complete terms, conditions, and fees, see the "U.S. Bank Rewards Card Cardholder Agreement" available at www.myusbankcorporaterewards.com or in your card package. Reward cards are issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc or Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated.

  5. Mastercard® benefits are for Mastercard cardholders. Visa® benefits are for Visa cardholders. If you have any questions about your benefits, please see the link to the PDF document at the top of this section for full details.

  6. Please see the link to the Guide to Benefits PDF document at the top of this section for full details. Benefit descriptions are intended to provide general information about the coverage made available to you by U.S. Bank. Benefits vary by credit card product.

  7. Cash Rewards will expire if there is no reward, purchase, or balance activity on your account for 12 consecutive statement cycles.

  8. Maximum Cash Rewards value applies to Cash Rewards redeemed for a statement credit or deposit into an eligible U.S. Bank Account. The redemption value may be different if you choose to redeem your Cash Rewards for other rewards such as a U.S. Bank Rewards Card. Other restrictions apply. Establishment or ownership of a U.S. Bank Account or other relationship with U.S. Bank is not required to obtain a card or to be eligible to use Cash Rewards to obtain any rewards offered under the program. Minimum redemption amounts may vary and are subject to change without notice.