3% at gas stations + hardware stores — best no-fee construction card.
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ClearValue Rating: 4.1 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Construction companies with regular hardware store and fuel spend who want meaningful category rewards at no annual fee.
U.S. Bank Business Triple Cash Rewards — 3% at gas stations + hardware stores — best no-fee construction card. Best for: Construction companies with regular hardware store and fuel spend who want meaningful category rewards at no annual fee.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
It's built for construction companies with regular hardware-store and fuel spend that want meaningful category rewards at no annual fee. It earns 3% at hardware stores and 3% at gas stations, so contractors whose primary outlays are materials and fuel get the most value.
No — it sits in the $0 annual-fee tier, so the category rewards are pure upside on daily spend. Always confirm the current terms at the U.S. Bank issuer page before applying.
It carries a 0% intro APR for 12 months on purchases, which can help spread out larger equipment or material buys. Confirm the current intro-APR offer and what rate applies after the intro period at the U.S. Bank issuer page.
U.S. Bank typically looks for a personal FICO around 670 or higher and requires a personal guarantee on the account. An existing business checking relationship with U.S. Bank may improve approval odds. Approval is never guaranteed — eligibility is set by the issuer.
Not necessarily. The 3% applies to purchases coded as hardware stores (such as Home Depot or Lowe's), but not every supplier invoice will fall under that merchant category. Spend outside the bonus categories earns 1%, so verify how your common suppliers are categorized before relying on the 3% rate.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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