For HVAC contractors running service trucks and small offices, the U.S. Bank Triple Cash Rewards Visa Business Card delivers outsized rewards where real dollars tend to flow: fuel for the fleet, phone and internet bills, office supplies, and meals on the road. The card earns 3% cash back at gas and EV charging stations (on transactions of $200 or less), office supply stores, cell phone service providers, and restaurants, and 1% on everything else. With no annual fee and free employee cards, owners can issue plastic to techs and dispatchers without padding overhead.
The card also throws in a $100 annual statement credit for recurring software subscriptions such as QuickBooks or FreshBooks, which offsets accounting software that most HVAC shops already pay for. A 0% intro APR on purchases and balance transfers gives smaller contractors breathing room when financing seasonal parts inventory or tooling. It's a particularly popular alternative to the Chase Ink Cash for owners who want gas category rewards without moving to a dedicated fleet card.
The card is underwritten by U.S. Bank, a top-10 U.S. bank, and is a Visa product accepted virtually everywhere HVAC contractors buy parts, tools, and fuel. It reports to major business and personal credit bureaus, making it useful for owner-operators who want to build business credit while earning everyday rewards.