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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.
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| Intro APR | N/A |
|---|---|
| Regular APR | 18.74% to 25.74% Variable |
| Annual Fee | $0 intro annual fee for the first year, $95 thereafter. |
| Credit Needed | Excellent, Good |
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
- U.S. Bank Business Leverage® Visa Signature® Card Rewards
- U.S. Bank Business Leverage® Visa Signature® Card Features
- U.S. Bank Business Leverage® Visa Signature® Card Fees
- U.S. Bank Business Leverage® Visa Signature® Card Alternatives
- Frequently Asked Questions (FAQs)
- Bottom Line
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
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
Your top two expense categories will be based on these categories:
- Advertising firms
- Airlines
- Apparel and accessory stores
- Auto rental and transport providers
- Automotive dealers
- Automotive parts stores
- Automotive repair shops
- Cable, satellite, TV, and radio providers
- Charitable, civic, and religious organizations
- Commercial and home furniture stores
- Commercial equipment, parts, and supply
- Computer service providers
- Computer stores
- Construction material suppliers
- Dental, lab, and medical equipment providers
- Department, book, and novelty stores
- Direct marketers
- Discount stores and wholesale clubs
- Drug stores and pharmacies
- Durable goods providers
- Entertainment places
- Florist, nursery, and garden stores
- Freight and transport services
- Funeral homes and crematories
- Gas stations and fuel dealers
- Grocery stores and supermarkets
- Healthcare providers
- Home improvement service and supply
- Hotels
- Industrial suppliers
- Insurance providers
- Membership organizations
- Nondurable goods providers
- Nonmedical testing labs
- Personal service providers
- Pet supply stores
- Plumbing and heating, ventilation, and air conditioning (HVAC) suppliers
- Postal and courier service providers
- Professional service providers
- Publishers and printers
- Restaurants
- Schools and government
- Stationary and office supply stores
- Telecom equipment suppliers
- Telecom service providers
- Utility companies
- Veterinarians
- Wholesale goods providers
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.
U.S. Bank Business Leverage® Visa Signature® Card Rewards Calculator
Your potential annual reward earnings are:
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 feeReceive 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: 18.74% to 25.74% variable, which will adjust with the prime rate (minimum interest charge is $1)
- Cash advance: 30.99% variable, which will adjust with the prime rate
- PenaltyNote 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
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
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 eligible purchases within 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, an introductory 0% purchase APR for 12 months, and a generous welcome offer when you meet the spending requirements.
U.S. Bank Triple Cash Rewards Visa® Business Card
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 17.24% - 26.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
The U.S. Bank Triple Cash Rewards Visa® Business Card 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
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | 16.99% - 24.99% Variable |
| Annual Fee | annual_fees |
| Credit Needed |
If you want a $750 cash bonus, the card_name is an ideal alternative. You only need to spend up to $6,000 within the first three 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.
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.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
American Express Blue Business CashTM Card
