3% on dining, office supply, cell phone, gas/EV — no annual fee.
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Good–Excellent credit — 670+ FICO typical; hard pull + personal guarantee
ClearValue Rating: 4.3 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Restaurants, food trucks, mobile service businesses (HVAC, plumbing, electrical), and field-service operators.
| Year 1 value | Ongoing value |
|---|---|
| $500 welcome bonus — lowest spend threshold on this list | 3% on dining, office supply, cell phone + gas/EV (no cap), 1% elsewhere — no annual fee |
| Welcome spend: $4,500 in first 150 days (~$900/month) | |
U.S. Bank Triple Cash Rewards Visa Business — 3% on dining, office supply, cell phone, gas/EV — no annual fee. Best for: Restaurants, food trucks, mobile service businesses (HVAC, plumbing, electrical), and field-service operators.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
The card earns 3% at eligible gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants. There is no combined cap on the 3% — the full rate applies to all qualifying spend in those categories. Confirm the current eligible merchant categories at the U.S. Bank issuer page before applying.
Yes — 3% on dining at a $0 annual fee is uncommon among business cards. Food trucks, catering operations, and restaurant owners with meaningful dining-category spend benefit from the no-cap 3% rate on those purchases. It also earns 3% on office supply and cell phone, which covers common business overhead.
The welcome bonus is $500 in cash back after spending $4,500 in the first 150 days. That's a $900/month spend threshold — the lowest on this list — making it accessible for smaller businesses or those just starting to consolidate spend onto a card.
ExtendPay is U.S. Bank's feature that lets you split an eligible balance into fixed monthly payments with a set fee and no additional interest. It provides some cash-flow flexibility without accruing revolving interest on the split amount. It's different from a 0% intro APR — check the current U.S. Bank terms for the specific fee structure.
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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