topic Re: US Bank Triple Cash approved in Business Credit

US Bank Triple Cash approved

CreditCuriosity — Tue, 16 Dec 2025 21:36:08 GMT

So needed or wanted to meet another spend bonus due to taxes coming up and some trips. Decided to apply for US Bank Triple Cash card as read it is churnable and can have multiple. Anyways 500$ for 4.5k spend was offer and 0% for 12 months if I want to use it. Have a few US Bank existing cards and cancelled ALT RESERVE few months back due to nerf and AF hitting. Applied today they pulled TU with score around 830ish as had a new auto loan hit and payed off auto loan and 3 inquiries from that in last 2-3 months due to two pulls from dealership and MBFS then refi with NFCU then this(Us Bank) inquiry on TU in last 12 months. 1 new personal account reporting in last 12 month being AA Citi personal card about 3 months old. Got 7-10 days.. About 10-15 mins later got approval email. Was the quickest manual review from an UW I have ever seen as status line said I would hear back in 3 days approx then email came a few mins later. 10k SL. Sufficient for what I need to spend the 4500 and it is hidden so still at 3/24 with regards to new accounts. Applied as sole prop vs using my EIN and just put DBA as my name. Any other questions feel free to ask.

Re: US Bank Triple Cash approved

LiamDavis — Tue, 16 Dec 2025 23:03:44 GMT

Congratulations! That's a nice bonus!!

Re: US Bank Triple Cash approved

pizzadude — Wed, 17 Dec 2025 00:22:26 GMT

Congrats on the USB approval, hope it makes paying those taxes less painful

Re: US Bank Triple Cash approved

CreditCuriosity — Wed, 17 Dec 2025 00:33:12 GMT

@pizzadude wrote:
Congrats on the USB approval, hope it makes paying those taxes less painful

Every bit helps a bit. Death and taxes two things guranteed in life

Re: US Bank Triple Cash approved

Copenix — Fri, 19 Dec 2025 08:30:47 GMT

Yay - that's nice! Congrats on your approval.

Re: US Bank Triple Cash approved

cashorcharge — Fri, 19 Dec 2025 22:46:27 GMT

WOOHOO!! Congratulations on your Approval!!👏🏼🍾🥂

Re: US Bank Triple Cash approved

creditrizz — Thu, 25 Dec 2025 22:42:10 GMT

Nice bro. I was thinking about getting this card since it has a decent sub (may wait and see if it gets to 750 again since it seems to go back and forth), and a solid cashback rate on business dining expenses.

Was wondering how strict US Bank is on issuing them? I'm 5/24 for now, and have had a few inquiries in the past 6 months and 2 new accounts (one card, one auto lease). I also received a $10k CLI on a US Bank personal card (Smartly) about 4-5 months ago. Wasn't sure if this was too much activity for them. Also have decent investments with US Bank on personal side, and a Biz Checking but minimal balance just to keep it open

Re: US Bank Triple Cash approved

CreditCuriosity — Fri, 26 Dec 2025 02:42:51 GMT

@creditrizz wrote:
Nice bro. I was thinking about getting this card since it has a decent sub (may wait and see if it gets to 750 again since it seems to go back and forth), and a solid cashback rate on business dining expenses.

Was wondering how strict US Bank is on issuing them? I'm 5/24 for now, and have had a few inquiries in the past 6 months and 2 new accounts (one card, one auto lease). I also received a $10k CLI on a US Bank personal card (Smartly) about 3-4 months ago. Wasn't sure if this was too much activity for them. Also have decent investments with US Bank on personal side, and a Biz Checking but minimal balance just to keep it open

Honestly on business side I am not sure.. Maybe 2/12? I will defer to someone else on htat as had 1 new reporting card about 4 months back or there abouts being Citi AA in the last 12 months. They are picky on personal side i know x/6 and x/12. Inquires didnt impact me as seen above

Re: US Bank Triple Cash approved

pizza1 — Sat, 03 Jan 2026 17:02:36 GMT

Congrats CC! My biz CC grew faster with them than my personal cards!