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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 Jul 2008
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> bubble2 1,828 Posts
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localHero
11-01-2024 at 03:25 PM.
11-01-2024 at 03:25 PM.
Quote from memphisambition :
You're welcome - glad to hear this deal added some value for you and other.

I'm all for free money

I think over the years (many years) I've gotten at least $15k in CC bonuses. I've never heard of US Bank but I have insurance payments, end of year donations and even a state tax payment that they allow me to pay without charges. I'll hit the $6k requirement without any problem.
I do recognize I'll lose about $60 by not putting it on my 2% card from Wells Fargo but still a nice chunk of free money! Rare to find these without annual fees these days.
1
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Joined Mar 2016
L2: Beginner
> bubble2 44 Posts
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Original Poster
memphisambition
11-03-2024 at 06:13 PM.
11-03-2024 at 06:13 PM.
Quote from localhero :
i think over the years (many years) i've gotten at least $15k in cc bonuses. i've never heard of us bank but i have insurance payments, end of year donations and even a state tax payment that they allow me to pay without charges. i'll hit the $6k requirement without any problem.
i do recognize i'll lose about $60 by not putting it on my 2% card from wells fargo but still a nice chunk of free money! rare to find these without annual fees these days.
wins!
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Joined Sep 2011
L6: Expert
> bubble2 1,710 Posts
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56XNO
11-11-2024 at 11:29 AM.
11-11-2024 at 11:29 AM.
Applied and got 7-10 business days review. My credit score is 850. Anyone got instant approval?
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Joined Jul 2008
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> bubble2 1,828 Posts
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localHero
11-11-2024 at 12:56 PM.
11-11-2024 at 12:56 PM.
Quote from 56XNO :
Applied and got 7-10 business days review. My credit score is 850. Anyone got instant approval?

My Credit score is similar and I got approval in a few hours. I have a legitimate business and a fistfull of credit cards already. In fact I had just been approved for a new one (WF 2% card) the day before.
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Joined Dec 2016
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> bubble2 652 Posts
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ahlex
11-21-2024 at 07:49 PM.
11-21-2024 at 07:49 PM.
Quote from 56XNO :
Applied and got 7-10 business days review. My credit score is 850. Anyone got instant approval?
I had similar credit score and got that 7-10 business days review. I have a legiit business with real DBA name. I always got instant approval with any Chase and BoA business card. I'm surprised with the USB business card.
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Joined Sep 2011
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> bubble2 1,710 Posts
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56XNO
11-21-2024 at 10:32 PM.
11-21-2024 at 10:32 PM.
Quote from ahlex :
I had similar credit score and got that 7-10 business days review. I have a legiit business with real DBA name. I always got instant approval with any Chase and BoA business card. I'm surprised with the USB business card.
They eventually approved my application after five days. I just listed my Ebay username as a Business name.
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Joined Dec 2016
L5: Journeyman
> bubble2 652 Posts
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ahlex
11-27-2024 at 07:17 PM.
11-27-2024 at 07:17 PM.
Quote from 56XNO :
They eventually approved my application after five days. I just listed my Ebay username as a Business name.
Yup, I got approved yesterday (5 days since I applied). as well. What disappointed me is they only gave me $5k credit line. All my other Chase or BoA business CC gave me no less than $20K and I always paid of the statement balance at the end of the month to avoid late fee and interest charge.
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Joined Mar 2016
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> bubble2 44 Posts
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Original Poster
memphisambition
12-03-2024 at 03:54 PM.
12-03-2024 at 03:54 PM.
Just had my $750 bonus show up as a pending reward. Win!
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Joined Aug 2021
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CoolHeat767
12-22-2024 at 07:44 AM.
12-22-2024 at 07:44 AM.
Quote from ahlex :
Yup, I got approved yesterday (5 days since I applied). as well. What disappointed me is they only gave me $5k credit line. All my other Chase or BoA business CC gave me no less than $20K and I always paid of the statement balance at the end of the month to avoid late fee and interest charge.

If this actually matters to you (you intend to actually use the card longer term, not just keep it unused or churn it), then just max it out and pay off the full balance a couple of times and then ask them to raise the limit. 9 times out of 10 they will oblige. If you are unable to do that or it doesn't make sense to you, then the credit limit they gave you is probably right where it should be to limit their exposure to churners and/or brand new customers who aren't going to make them money (by either regularly using the card and/or carrying a balance).

Remember, this whole system is intended to make them money, not you.
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Joined Dec 2016
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> bubble2 652 Posts
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ahlex
12-27-2024 at 01:38 PM.
12-27-2024 at 01:38 PM.
Quote from CoolHeat767 :
If this actually matters to you (you intend to actually use the card longer term, not just keep it unused or churn it), then just max it out and pay off the full balance a couple of times and then ask them to raise the limit. 9 times out of 10 they will oblige. If you are unable to do that or it doesn't make sense to you, then the credit limit they gave you is probably right where it should be to limit their exposure to churners and/or brand new customers who aren't going to make them money (by either regularly using the card and/or carrying a balance).

Remember, this whole system is intended to make them money, not you.
I plan to appy this CC to make a big purchase ($8000) to achiece two things in one shot:
1) meet their $6000 requirement to receive the bonus
2) take advantage of their 12-month free inerest to pay off.

Well, US Bank is known for this issue no matter if you have 850 credit scores. Here is the link for people have similar issue. https://wallethub.com/d/us-bank-b...rcard-925c
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Joined Jul 2008
L6: Expert
> bubble2 1,828 Posts
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localHero
12-27-2024 at 03:54 PM.
12-27-2024 at 03:54 PM.
Quote from ahlex :
I plan to appy this CC to make a big purchase ($8000) to achiece two things in one shot:
1) meet their $6000 requirement to receive the bonus
2) take advantage of their 12-month free inerest to pay off.

Well, US Bank is known for this issue no matter if you have 850 credit scores. Here is the link for people have similar issue. https://wallethub.com/d/us-bank-b...rcard-925c

I got this card in Nov and they gave me a $10k credit line. My score is somewhere above 800 and I have a legit business.
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Joined Aug 2015
L2: Beginner
> bubble2 61 Posts
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acompressa
12-31-2024 at 01:30 PM.
12-31-2024 at 01:30 PM.
Just applied and got 7-10 business days review. Credit score 790 with like 10+ CCs, last CC opened maybe a year or two ago. Technically "legit" business, as I do have an EIN, but the EIN wasn't requested in the application.
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Joined Jun 2009
L5: Journeyman
> bubble2 969 Posts
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matt48
03-17-2025 at 08:26 PM.
03-17-2025 at 08:26 PM.
I got the offer in the mail, applied and instantly approved, 23k credit line, credit score 848.
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