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U.S. Bank Business Leverage® Visa Signature® Card — Full Review [2025]
Jarrod West
Jarrod West
Senior Content Contributor
654 Published Articles
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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 8 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Michael Y. Park is a journalist living in New York City. He’s traveled through Afghanistan disguised as a Hazara Shi’ite, slept with polar bears on the Canadian tundra, picnicked with the king and que...
Since 2016, he has embraced the life of a digital nomad, making the world his office. He has built a career in social media marketing and blogging for various travel brands, which is also his bread an...
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U.S. Bank Business Leverage® Visa Signature® Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
2.5
75,000 points
$0 Intro Annual Fee, then $95
18.49% - 25.49% Variable
U.S. Bank Business Leverage® Visa Signature® Card
The U.S. Bank Business Leverage card adapts the rewards you earn to your top 2 eligible spend categories each month.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
2.5
Summary
The U.S. Bank Business Leverage card is a good option for business owners looking for a card that adapts to their changing business expenses month to month.
Card Details
Card Snapshot
Welcome Bonus & Info
Earn 75,000 bonus points by spending $7,500 on the Account Owner’s card in the first 120 days of account opening
5x points on prepaid hotels and car rentals booked directly in the Travel Reward Center
2x points in the top two categories where you spend the most each month automatically
1x points on all other purchases
Free employee cards
Pay over time with a U.S. Bank ExtendPay® Plan
No foreign transaction fees
$0 Intro Annual Fee for the first year, then $95 thereafter
Pros & Cons
Pros
5x points on prepaid hotels and car rentals booked directly in the Travel Reward Center
2x points in the top two categories where you spend the most each month automatically
1x points on all other purchases
Free employee cards
No foreign transaction fees
Cons
Rewards are limited to a maximum redemption of 1 cent per point
Other cards offer 2x rewards on all purchases as opposed to just your top 2 spend categories
Great Card If
You want a card whose bonus rewards adapt to your monthly spend.
You want a card with a low annual fee.
Don’t Get If
You prefer a card that earns transferable travel rewards.
You’d rather have a card that earns uncapped 2x rewards on all purchases or more.
U.S. Bank Business Leverage Card: Is It Worth It?
For business owners who want a card that adapts to the varied needs of their business expenses, the U.S. Bank Business Leverage card can be an excellent tool.
This is because one key benefit of the card is the ability to earn 2x points on the top 2 spending categories each month from 48 different eligible categories, including advertising spending, computer stores and service providers, freight and transportation services, gas stations, and more.
In addition to these rewards, it also has a large welcome bonus offer, free employee cards, and no foreign transaction fees.
U.S. Bank Business Leverage Card Top Benefits and Perks
The U.S. Bank Business Leverage card offers a handful of useful perks, like:
Free employee cards: Add cards for your employees to earn rewards for their purchases at no additional cost to you.
No foreign transaction fees: Need to purchase products or services from overseas suppliers? Use your U.S. Bank Business Leverage card for these purchases and earn rewards with no added fees.
Best Ways To Earn and Redeem Your Rewards
In addition to earning an uncapped 2x points in the top 2 categories where you spend the most each month automatically, you also earn 5x points on prepaid hotels and car rentals booked directly in the U.S. Bank Travel Reward Center. You earn 1x points on all other purchases.
This setup should work well for business owners who frequently make purchases that are represented in one of the 48 different categories that qualify for 2x rewards. The fact that it adjusts month to month based on your spending, without any action or planning required from you, adds significant convenience.
Once you’re ready to redeem the rewards you’ve earned using your U.S Bank Business Leverage card, you have the choice of depositing into an eligible U.S. Bank account or redeeming for travel via the U.S Bank Travel Reward Center, merchandise, gift cards, or statement credit.
Alternative Cards to the U.S. Bank Business Leverage Card
If you’re willing to pay a higher annual fee in exchange for more benefits and stronger rewards, the Capital One Venture X Business card might be perfect for you.
With the Capital One Venture X Business card, you earn an uncapped 2x miles on all business expenses, not just your top 2 eligible spend categories each month. Plus, you earn 10x miles on hotels and rental cars purchased through Capital One Travel and 5x miles on flights booked through Capital One Travel.
If you prefer a card with a relatively similar annual fee to the U.S Bank Business Leverage card and your preference is cash-back rewards, then the Capital One Spark Cash Plus cardInformation collected independently. Not reviewed by Capital One. should suit you well.
It earns an unlimited 2% cash-back on all purchases, plus 5% cash-back on hotels and rental cars purchased through Capital One’s travel booking site.
You also receive benefits, including extended warranty coverage, no preset spending limit, no foreign transaction fees, and a refund of your annual fee every year that you spend at least $150,000 on the card.
