U.S. Bank Business Leverage Visa Signature Card
- Annual fee
- $0 for the first 12 months. After that, $95
- Recommended credit
- Excellent
- Card network
- Visa
- Regular purchase APR
- 21.24% to 26.24% variable based on creditworthiness and the Prime Rate
At a glance
The U.S. Bank Business Leverage Visa Signature Card is a rewards card that changes with your business. Unlike other rewards credit cards, the U.S. Bank Business Leverage Card allows you to earn 2x points for every dollar spent on purchases in categories where your company’s spend is the highest, and these 2X rewards change monthly with your business’ spending habits – meaning you get the most rewards with the least effort.
Our review of the U.S. Bank Business Leverage Visa Signature Card
When it comes to managing a company, simplicity is key. U.S. Bank offers the Business Leverage® Visa Signature® Card to help business owners earn bonus cash back on a variety of expenses without the hassle.
Who Can Benefit from the Card?
The U.S. Bank Business Leverage® Visa Signature® Card is ideal for business owners looking to streamline their finances and maximize rewards. With benefits tailored to suit business needs, this card offers a comprehensive package to help achieve business goals.
$0 Annual Fee for First Year
While the annual fee for the U.S. Bank Business Leverage® Visa Signature® Card is $95, it is waived for the first year. Plus, the cash back rewards you earn can offset this fee throughout the year.
Welcome Bonus
New accounts can earn up to $750 in rewards with the Leverage® Visa Signature® Card by spending $7,500 on eligible purchases within the first 120 days. This welcome offer is achievable for companies planning to issue multiple employee cards.
Earn Up to 5X Points On Purchases
Cardholders earn 5% cash back on prepaid hotels and car rentals, 2% cash back in top spending categories, and 1% cash back on all other purchases. There are no limits to the rewards that can be earned.
Eligible Bonus Categories
Double rewards (2% cash back) are available in top spending categories such as airlines, groceries, hotels, and more. This feature helps maximize rewards for business expenses.
How to Redeem Rewards
U.S. Bank offers various redemption options, including cash back, gift cards, travel expenses, and merchandise. Cardholders have the flexibility to choose rewards that suit their preferences and needs.
Complimentary Employee Cards
The U.S. Bank Leverage® Visa Signature® Card offers free additional employee cards, saving costs compared to other business cards.
Visa Signature® Benefits
Cardholders enjoy Visa Signature benefits like zero fraud liability, roadside dispatch, and travel assistance services.
Comparison
Here’s a comparison of the U.S. Bank Business Leverage® Visa Signature® Card with other business cards like American Express Blue Business Cash™ Card and Chase Ink Business Cash®.
What We Like About the Card
The solid cash back rewards and automatic bonus categories make the U.S. Bank Business Leverage® Visa Signature® Card a valuable tool for maximizing business purchases.
Things to Consider
While the annual fee may deter some, the benefits and rewards of the U.S. Bank Business Leverage® Visa Signature® Card can outweigh this cost. Comparing with other no-annual-fee options like Chase’s Ink cards is recommended.
Should You Apply for the U.S. Bank Business Leverage Visa Signature Card?
Overall, the U.S. Bank Business Leverage Visa Signature Card is a straightforward choice for businesses looking to earn rewards without the complexity of other cards. Consider your business needs and compare with other options before applying.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Limited time offer: Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your accountLimited time offer: Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account
- Earn 2% back in the top two categories where you spend the most each month automatically
- 1% cash per dollar spent on all other eligible purchases
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- $0 introductory annual fee for the first 12 months. After that $95 for the first year and every year after it will be $95 for Account Owners and $0 for Authorized Employees
- No reward caps or limits on the total rewards your business can earn. Redeem for your choice of cash back, gift cards, merchandise and travel
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Who this card may suit
- You want free employee cards
- You want to earn two points for every dollar spent on the purchases they make the most
- You want the flexibility of a rewards program that changes with spending habits
- You have excellent credit
Rates, fees and terms
| Annual Fee | $0 for the first 12 months. After that, $95 |
|---|---|
| Regular Purchase APR | 21.24% to 26.24% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | N/A |
| Balance Transfer APR | 21.24% to 26.24% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $5 or 5% of each transfer amount (introductory). After that, either $5 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $15 or 5% of the amount of each cash advance, whichever is greater |
| Penalty APR | 29.99% |
| Late Payment Penalty Fee | $39 |
| Return Payment Penalty Fee | $39 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit.
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U.S. Bank Business Leverage Visa Signature Card
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