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US Bank Business Triple Cash Card - $750 Sign Up Bonus After 6k Spent in 180 Days. 3% Cashback in select categories. No Annual Fee

+4 Deal Score
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Seems like a good deal unless you guys know something I don't - just wanted to share
  • Annual Fee: $0.00
  • Earning rate: 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants ✦ 1% back everywhere else
  • Other Perks - 12 months interest free
  • Other Perks - $100 credit for recurring software subscription expenses such as FreshBooks or QuickBooks.

https://www.usbank.com/business-b...-card.html
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Created 10-29-2024 at 11:02 AM by memphisambition
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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Joined Jan 2024
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WolfTheCat
10-29-2024 at 11:56 AM.
10-29-2024 at 11:56 AM.
Note: Business card. That should be in title.

$750 on $6k spend is a really good bonus. Also, credit card bonuses (unlike bank account bonuses) are tax-free!

But, it's only a meh credit card at best.

Most purchases are only 1% cash back, when many cards offer 2% on everything.

3% on gas, EV charging stations, office supply stores, cell phone service providers, and restaurants. It may be hard to hit $6k in just those categories, and other cards may offer more.

If you assume that putting $6k purchases on another card would get you 1.5% more cash back, that's $90 off your bonus. $660 bonus is still good though.

The 12 months interest free is nice if you are organized enough to take advantage of it without getting screwed. I like to put what I would normally pay to the credit card company in a HYSA so the funds are available before the interest kicks in.
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Last edited by WolfTheCat October 29, 2024 at 12:07 PM.
Joined Jul 2006
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bigbearballs
10-29-2024 at 12:10 PM.
10-29-2024 at 12:10 PM.
Quote from WolfTheCat :
Note: Business card. That should be in title.

$750 on $6k spend is a really good bonus. Also, credit card bonuses (unlike bank account bonuses) are tax-free!

But, it's only a meh credit card at best.

Most purchases are only 1% cash back, when many cards offer 2% on everything.

3% on gas, EV charging stations, office supply stores, cell phone service providers, and restaurants. It may be hard to hit $6k in just those categories, and other cards may offer more.

If you assume that putting $6k purchases on another card would get you 1.5% more cash back, that's $90 off your bonus. $660 bonus is still good though.

The 12 months interest free is nice if you are organized enough to take advantage of it without getting screwed. I like to put what I would normally pay to the credit card company in a HYSA so the funds are available before the interest kicks in.

Good write up
Reply
Joined Mar 2016
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Original Poster
memphisambition
10-29-2024 at 12:54 PM.
10-29-2024 at 12:54 PM.
Quote from WolfTheCat :
Note: Business card. That should be in title.

$750 on $6k spend is a really good bonus. Also, credit card bonuses (unlike bank account bonuses) are tax-free!

But, it's only a meh credit card at best.

Most purchases are only 1% cash back, when many cards offer 2% on everything.

3% on gas, EV charging stations, office supply stores, cell phone service providers, and restaurants. It may be hard to hit $6k in just those categories, and other cards may offer more.

If you assume that putting $6k purchases on another card would get you 1.5% more cash back, that's $90 off your bonus. $660 bonus is still good though.

The 12 months interest free is nice if you are organized enough to take advantage of it without getting screwed. I like to put what I would normally pay to the credit card company in a HYSA so the funds are available before the interest kicks in.
Thanks for the comment about adding "business" to the title and the write up. This is first deal I've ever posted so I appreciate the feedback!

Solid write up as well. I'm leaning towards applying just for the SUB. The only thing I wish I knew is how many of the credit agencies they check. Any idea?
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Joined Jan 2024
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WolfTheCat
10-29-2024 at 01:18 PM.
10-29-2024 at 01:18 PM.
Quote from memphisambition :
Thanks for the comment about adding "business" to the title and the write up. This is first deal I've ever posted so I appreciate the feedback!

Solid write up as well. I'm leaning towards applying just for the SUB. The only thing I wish I knew is how many of the credit agencies they check. Any idea?
Nope. No clue.

If you are concerned about hard credit inquiries, don't chase credit card bonus deals.

That said, the effect the hard credits have on you is overblown. It isn't a big effect, and it doesn't last very long. Sometimes, your credit score can even go up because you have more credit, and your percentage utilization goes down.

I've chased plenty of these deals and still have a score over 800. I might avoid it if a new mortgage or car loan was in my immediate future, but otherwise, I don't care.
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Joined Nov 2008
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gt5oh
10-29-2024 at 06:17 PM.
10-29-2024 at 06:17 PM.
do they have anything similar on the personal side
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Joined Feb 2008
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pcman2000
10-29-2024 at 06:47 PM.
10-29-2024 at 06:47 PM.
Will keep this in mind after I complete my Chase Biz requirement.
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Joined Mar 2016
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memphisambition
10-30-2024 at 06:51 AM.
10-30-2024 at 06:51 AM.
Just applied and got approved for $7k. So far I've only received an alert about my TransUnion score being checked which is similiar to what happened when I applied for Chase business card.

Great sign so far.
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bru_that
10-30-2024 at 08:44 AM.
10-30-2024 at 08:44 AM.
Quote from memphisambition :
Thanks for the comment about adding "business" to the title and the write up. This is first deal I've ever posted so I appreciate the feedback!

Solid write up as well. I'm leaning towards applying just for the SUB. The only thing I wish I knew is how many of the credit agencies they check. Any idea?
They only pulled Transunion when I got it last year.
1
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memphisambition
10-30-2024 at 09:40 AM.
10-30-2024 at 09:40 AM.
Quote from bru_that :
They only pulled Transunion when I got it last year.
Wonderful thank you for confirming
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localHero
10-30-2024 at 09:49 AM.
10-30-2024 at 09:49 AM.
Anyone know the details of the bonus points? ie: are the 750 bonus points worth $750 as a statement credit if you choose to use them that way? I've run out of other good card bonuses to take advantage of for the time being and I have a homeowners insurance payment coming up...
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localHero
10-31-2024 at 06:43 AM.
10-31-2024 at 06:43 AM.
$750 with $6k spend and no annual fee? I'm in if they open the door for me. Thanks OP.
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memphisambition
10-31-2024 at 07:33 AM.
10-31-2024 at 07:33 AM.
Quote from localHero :
Anyone know the details of the bonus points? ie: are the 750 bonus points worth $750 as a statement credit if you choose to use them that way? I've run out of other good card bonuses to take advantage of for the time being and I have a homeowners insurance payment coming up…
Here is what I found

"Cardmembers can conveniently redeem their cash back by logging into their online account. Cash back can be redeemed in the form of a statement credit or deposit to a U.S. Bank checking, savings or money market account. U.S. Bank reward cards are also available."
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memphisambition
10-31-2024 at 07:36 AM.
10-31-2024 at 07:36 AM.
Quote from localHero :
$750 with $6k spend and no annual fee? I'm in if they open the door for me. Thanks OP.
You're welcome - glad to hear this deal added some value for you and other.

I'm all for free money
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Jila
11-01-2024 at 03:18 PM.
11-01-2024 at 03:18 PM.
Quote from memphisambition :
Just applied and got approved for $7k. So far I've only received an alert about my TransUnion score being checked which is similiar to what happened when I applied for Chase business card.

Great sign so far.
Did you got approved instantly or it took few days?
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