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U.S. Bank Business Leverage® Visa Signature® Card lets you earn automatic premium rewards on the top two expense categories where you spend the most each month without the need to monitor or set categories. It charges a $0 annual fee for the first year and $0 foreign transaction fees, making it ideal for traveling abroad.
If you wish to compare one credit card over another, select a maximum of three cards on this page and click Add to Compare to view the details in a side-by-side comparison.
Intro APR
N/A
Regular APR
19.24% - 26.24% Variable
Annual Fee
$0 intro annual fee for the first year, $95 thereafter.
Credit Needed
Excellent, Good
- Earn 75,000 points when you spend $7,500 in eligible purchases on the account owner's card within the first 120 days of opening your account.
- Earn 2X points in the top two categories where you spend the most each month automatically.
- 1X points per dollar spent on all other eligible purchases.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limits on the total rewards your business can earn.
- Terms and conditions apply.
Pros
- Personalized ongoing rewards
- Large welcome offer
- Unlimited points
Cons
- Requires excellent credit
- No introductory 0% annual percentage rate (APR)
- Rewards have expiration
- Extended warranty protection: The issuer will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. The coverage is limited to $10,000 per item.
- Purchase protection: Protection for items that are damaged or stolen within 90 days of purchase. Coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.
Intro APR
N/A
Regular APR
19.24% - 26.24% Variable
Annual Fee
$0 intro annual fee for the first year, $95 thereafter.
Credit Needed
Excellent, Good
- Earn 75,000 points when you spend $7,500 in eligible purchases on the account owner's card within the first 120 days of opening your account.
- Earn 2X points in the top two categories where you spend the most each month automatically.
- 1X points per dollar spent on all other eligible purchases.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limits on the total rewards your business can earn.
- Terms and conditions apply.
Pros
- Personalized ongoing rewards
- Large welcome offer
- Unlimited points
Cons
- Requires excellent credit
- No introductory 0% annual percentage rate (APR)
- Rewards have expiration
- Extended warranty protection: The issuer will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. The coverage is limited to $10,000 per item.
- Purchase protection: Protection for items that are damaged or stolen within 90 days of purchase. Coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.
When grading cash back business credit cards like the U.S. Bank Business Leverage® Visa Signature® Card, we rate the ongoing and introductory rewards first. We also take into account the annual fees, introductory and ongoing APRs, other fees, and additional features.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 20 | 25 |
Introductory Rewards | 20 | 25 |
Annual Fee | 8 | 10 |
Additional Features | 10 | 10 |
Introductory APR | 0 | 10 |
Ongoing APR | 8 | 10 |
Other Fees | 10 | 10 |
Total | 76 | 100 |
Who the U.S. Bank Business Leverage® Visa Signature® Card Is Best For
- Business owners with expenses in varied categories: You can earn an automatic premium cash back rate of 2% on the top two categories where you spend the most each month—there’s no need to manually set up your premium categories.
See our recommended alternatives below if this card isn’t the best fit for your business.
U.S. Bank Business Leverage® Visa Signature® Card Rewards
- 75,000 bonus points (equivalent to $750 in cash) as a welcome offer after spending $7,500 in eligible purchases within the first 120 days of opening an account
- 5x points on prepaid hotels and car rentals booked directly in the Rewards Center
- 2x points in the top two categories where you spend the most each month automatically
- 1x points on all other eligible purchases
Rewards Calculator
Use our calculator below to determine how much cash back you’ll receive based on your spending habits. Simply input your expected monthly expenses, and our calculator will do the rest.
How to Redeem Rewards
You can redeem your earned points through U.S. Bank’s online Rewards Center, and you can use your points to get gift cards, merchandise rewards, travel, and cash back. Keep in mind that while there is no cap on the total rewards you can earn, your points expire five years from the date they were earned.
U.S. Bank Business Leverage® Visa Signature® Card Features
U.S. Bank Features
- U.S. ExtendPay® Plan: Divide large purchases into fixed monthly payments without interest, just pay a small fixed monthly fee Receive a new cardmember $0 fee offer on ExtendPay Plans opened in the first 60 days after account opening .
- Employee card controls: Set up customizable spending rules for your employees, giving you control of where, when, and how they use the cards through Visa Spend Clarity
- Spend tracking: Monitor your card spending with Spend Analysis, an online reporting tool exclusive to U.S. Bank customers.
Visa Features
- Auto rental collision damage waiver: Receive auto rental coverage if your rental car is damaged or stolen while traveling. You need to charge the entire rental amount to this card and decline the extra collision insurance from the rental company.
- Purchase security: Protect your purchased items in case of theft or damage for the first 90 days from the date of purchase.
- Extended protection: Receive up to one additional year on warranties of three years or less on eligible items purchased with the card.
- Travel and emergency assistance services: Access a wide range of emergency services available 24 hours a day when you’re away from home. You can get help with medical, legal, and travel services when you need them. Note that you’ll be responsible for the cost of any services provided.
- Lost luggage reimbursement: Receive reimbursement if the checked luggage was lost due to theft or misdirection by the Common Carrier.
- Travel accident insurance: Receive automatic accidental death and dismemberment insurance for both you and your family for trips purchased with this card.
- Roadside Dispatch®: Get emergency roadside assistance, with services such as towing and fuel delivery, by calling (800) VISA-TOW or (800) 847-2869. Note that cardholders will be responsible for the service fees and that specific terms, conditions, and exclusions may apply.
U.S. Bank Business Leverage® Visa Signature® Card Fees
APR
- Introductory: None
- Ongoing and balance transfers: 19.24% to 26.24% variable, which will adjust with the prime rate (minimum interest charge is $1)
- Cash advance: 31.49% variable, which will adjust with the prime rate
- Penalty
Note that this APR will apply until you make six consecutive minimum payments when due and don't exceed your credit limit during that period
: 29.99% variable; will be applied to your account if you:
- Made payments five calendar days late twice or 30 calendar days late once
- Made a returned payment
- Exceeded your credit limit two times in 12 consecutive months
Fees
- Annual: $0 for the first year; $95 thereafter and $0 for authorized employees
- Balance transfer: 5% of each transfer amount or $5 minimum, whichever is greater
- Cash advance, cash advance ATM, and cash equivalent advance: Either 5% of the amount of each advance or $10, whichever is greater
- Convenience check cash advance: Either 5% of each check amount or $5 minimum, whichever is greater
- Foreign transaction: $0
- Overdraft protection: $0
- Late payments: $41
- Returned payments: $39
- Overlimit: $0
Your due date is within 24 to 30 days after the close of each billing cycle.
- In-person: Visit the U.S. Bank branch nearest you
- Mail: Mail your check or money order alongside your payment coupon to:
Cardmember Service
PO Box 790408
St. Louis, MO 63179-0408
- Online/mobile banking: Set up either autopay or a one-time payment through the U.S. Bank website or mobile app
- Phone: Call the number found on the back of your card or (800) 285-8585
U.S. Bank Business Leverage® Visa Signature® Card Alternatives
The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
17.74% - 25.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Intro APR
0% on purchases
Regular APR
17.74% - 25.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
The American Express Blue Business Cash™ Card is a great option if you want to receive automatic cash back. It gives you 2% on the first $50,000 worth of purchases in a year, then 1% thereafter. On top of that, you’ll enjoy Expanded Buying power, letting you speed beyond your credit limit based on your credit use, credit history, payment behavior, and other financial considerations. It also comes with $0 annual fees, 0% purchase APR for 12 months, and a generous welcome offer when you meet the spending requirements.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.24% - 27.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.24% - 27.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is ideal for those who spend on software subscriptions. You can earn a $100 statement credit per year for recurring software purchases—this is on top of a lucrative welcome offer and ongoing rewards of up to 5% cash back. It also features an ExtendPay® Plan, so you can pay off your eligible balance over time without interest. What’s more, it charges $0 annual fees and offers 0% purchase APR for 12 billing cycles.
card_name
card_name
BEST FOR:
Office-based businesses that want top cash back rewards
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn up to $750 bonus cash back—$350 when you spend $3,000 on purchases in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months after account opening.
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- $0 annual fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash welcome offer
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or fewer.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn up to $750 bonus cash back—$350 when you spend $3,000 on purchases in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months after account opening.
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- $0 annual fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash welcome offer
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or fewer.
If you want the $750 cash bonus, the card_name is an ideal alternative. You only need to spend up to $6,000 within the first six months to get the offer—this is significantly lower than the $7,500 purchase requirement from U.S. Bank Business Leverage® Visa Signature® Card. In addition, you’ll receive up to 5% cash back, pay a $0 annual fee, and enjoy a 0% purchase APR for the first 12 months. Plus, you’ll earn a one-time 10% bonus of all eligible cash back earned in your first year.
Frequently Asked Questions (FAQs)
You will receive an email notification or see the ExtendPay option online if your credit card account is eligible for an ExtendPay Plan. To use the ExtendPay Plan, the purchases that you can charge should meet the following criteria:
- Made within 60 days prior to signing up
- Are over $100
- Are less than your purchase balance when you sign up for ExtendPay
With real-time rewards, you can use your rewards directly toward a purchase. When you make a purchase, you will receive a text with the option to redeem your rewards. You can reply, “REDEEM” to complete the redemption process. Note that you must have enough rewards to cover the entire purchase amount to get the option to redeem.
Yes, you can use your U.S. Bank Business Leverage® Visa Signature® Card at the Rewards Center Shopping Deals so that you can earn additional rewards while shopping online. There are over 1,100 stores to choose from.
Bottom Line
U.S. Bank Business Leverage® Visa Signature® Card is a great business credit card if you have significant expenses across varied categories. You can earn 2% cash back on eligible net purchases in the top two categories where you spend the most each month, with no limit on the total points you can earn. While it doesn’t have an interest-free financing option, you can take advantage of the ExtendPay® Plan program if you need to pay off your balance over time.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
