July 2, 2024
147 Comments
by Chuck
Contents
- 1 The Offer
- 2 Card Details
- 3 Our Verdict
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
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147 Comments
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Jose(@guest_1873904)
July 12, 2024 22:11
#1873904
I have been doing the Chase cards but wanted to try the US Bank ones, does the $750 cash back work like Chase where you get 75K points and you can choose to use the points as cash back? and then potentially use them for travel and the be worth more if you use their travel site? or what are the options with the cash back? just a statement credit or money to a checking account? thanks!
Reply
Courtney(@guest_1874617)
July 14, 2024 16:52
#1874617
Jose
I’m not sure if the $750 is more through their travel site, but you get 5% back on travel so that’s still worth using it for
Reply
Tom(@guest_1873037)
July 11, 2024 16:33
#1873037
I applied on the 3rd, and just got approved today (11th).
The card comes with a 0% introductory APR for the first year, and I have a 25k limit. I’ve never not paid the statement balance, but I’m happy to put the money in an interest bearing account. How do I go about taking advantage of this? Just pay the minimum payment each month? When do I have to pay the balance off fully to avoid getting charged interest?
1
Reply
Tom
Yes, pay the minimum payment each month by the due date, and pay off the whole balance before the 12th statement cycle. On the statement, you will find when the 12th cycle is.
Reply
robertw(@guest_1873759)
July 12, 2024 16:51
#1873759
Tom
On your first statement it will show when the 12 months ends for the 0%. To be 100% safe after the first bill comes I call them and get the actual date it ends. It usually ends with that 12th month statement. I have seen some card companies get scammy and have the date to pay (the final day) which is prior to the actual bill due date. US Bank is transparent and has good service. What I suggest if you use Google Calender or similar is put a reminder in there 4 weeks out and note than and a week out note the same so you can pay in full prior. If you are using this to float money and make interest make sure you lock that rate as rates may be dropping. Consider Tbills and or CDS etc. the first bill will show you the minimum payment needed. I set that to autopay the minimum payment only.
Reply
Courtney(@guest_1872121)
July 10, 2024 03:05
#1872121
Got approved after like 4 days including weekend/holiday. I had no idea what I was doing and was sure I filled out the application wrong.
I signed up for the bonus but the extras are very very nice. I’m planning a trip and will do it through usbank for the 5%, hitting the spend and the 0% interest
2
Reply
Jason(@guest_1869707)
July 4, 2024 17:14
#1869707
Any success matching the bonus?
I applied and was approved two weeks ago for the $500 bonus, now it is $750
2
Reply
Dav(@guest_1869637)
July 4, 2024 14:39
#1869637
Does anybody know now which credit beuro u.s. bank pulls from ?
Reply
Benji(@guest_1869642)
July 4, 2024 14:45
#1869642
Dav
it’s been transunion for me
2
Reply
IndyJones(@guest_1870158)
July 5, 2024 16:08
#1870158
Dav
Transunion for me as well
Reply
robertw(@guest_1873763)
July 12, 2024 16:56
#1873763
Dav
Transunion for me as well. I thawed all my credit and refroze. I suggest others here do the same. So many scammers out there these days. Is easy to set the freeze and thaw online. Avoid all their paid plans as this is 100% free. I also get emails once the credit hit goes throuwh. You can set it to thaw for a day and auto freeze, or a few days as needed. Its good to set the refreeze date.
Reply
Smol Biscuit(@guest_1869536)
July 4, 2024 11:42
#1869536
Would the 100 dollar software credit apply to budgeting programs such as YNAB?
4
Reply
robertw(@guest_1869493)
July 4, 2024 10:15
#1869493
There is an interesting angle on this one, which I am sure others realize. This card has a 0% 12 month rate on purchases. These days on savings alone in Tbills you can get 5% or more. You could out a good amount of spend on this, depending on your credit line.
4
Reply
P2 applied last night for the Triple Cash, went pending. Approved this morning with a $3k limit. Last opened a US Bank biz CC 12/23 and this is their 2nd TC.
Reply
Ben(@guest_1869434)
July 4, 2024 07:41
#1869434
Went pending, call or wait it out?
Reply
Benji(@guest_1871236)
July 8, 2024 16:04
#1871236
Ben
same situation.. any advise?
Reply
Ben
I applied on 7/4 and went pending. I didn’t call and approval email came through today.
2
Reply
For those with lower credit limits and have to pay off the card in order to hit the spending requirement, US Bank will sometimes add a hold to larger payment amounts from external accounts. As a result, your credit limit doesn’t update until the hold is removed, which happens automatically after 7 days, or earlier if you call into confirm that the payment cleared. Got this helpful advice from a supervisor earlier this week.
2
Reply
George(@guest_1869459)
July 4, 2024 09:33
#1869459
Jimmy Johns 🔗
A solution to this problem is pushing money from your external bank to your US Bank credit card. So if you have a $3,000 limit you can send $2,000 to the credit card account and your balance will be a credit of $2,000 with an available credit limit of $5,000.
2
Reply
ming(@guest_1869593)
July 4, 2024 13:34
#1869593
George
Does USBank’s CL go up, or do you just have $3000 and another $2000 that kicks in when you spend that first 3k?
Reply
George(@guest_1869643)
July 4, 2024 14:59
#1869643
ming
Just push however much you want to the card and your credit limit will adjust to however much you overpay
1
Reply
George
Does that temporarily increase the cash advance limit? For credit card funding with US Bank card, the funding amount needs to be lower than the CA amount (25% of credit limit) to go though, it goes pending as CA but posts as purchase. For this reason it is very hard to use US bank card for cc funding is the credit limit is very low.
Also, how to push money into credit card? Does US bank card allow making a payment exceeding the amount due?
Reply
robertw(@guest_1869494)
July 4, 2024 10:17
#1869494
Jimmy Johns 🔗
You have 180 days to make the min spend of 6K? I never ha tiny limits with them.
Reply
Gerald(@guest_1872280)
July 10, 2024 11:37
#1872280
Jimmy Johns 🔗
Good to know, but with 6 months to spend $6000, it shouldn’t be hard to deal with low credit limits.
Reply
