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U.S. Bank Business Leverage® Visa Signature® Card review

Last updated:  

If you value earning flexibility, this card might be a great pick for your business spending.

  • Get this card if you want customizable reward categories tailored to your business needs.
  • Pick something else if you are looking for a great signup bonus or better rewards opportunities.
  • Apply with an excellent credit score of 740 or higher.


Points as welcome offer

Up to 2x



Annual fee

for the first year ($95 thereafter)


Purchase APR (variable)


Product NameU.S. Bank Business Leverage® Visa Signature® Card
Card typeVisa
Annual fee$0 intro annual fee for the first year ($95 thereafter)
Purchase APR18.24% variable
Balance transfer APR18.24% variable
Cash advance rate25.74% variable
Cash advance fee$15 or 5% of the cash advance amount, whichever is greater
Penalty APR29.99% fixed
Foreign transaction fee3% of the transaction value
Interest free periodUp to 30 days
Late payment fee$39
Returned payment fee$39
Rates & feesrates & fees

Expert review

Steven Dashiell

Review by

Steven Dashiell is a credit cards staff writer at finder.com. He's worked on over 150 Finder articles to help readers embrace and maximize credit cards. Steven has nearly a decade of research and reporting experience, and has also been a reporter and editor for several healthcare newsletters.

Expert review

The U.S. Bank Business Leverage® Visa Signature® Card sports an impressive 50 reward-earning categories and serves as something of a niche card pick for growing businesses. It offers 2x points on purchases in your top two eligible spending categories each month, an additional 1x points on your first $100,000 in purchases for your first year and an intro annual fee of $0.

Certainly, the number of earning categories are impressive. The modular nature of the bonus means you’ll almost always be getting the most returns possible on your spending. Given that the card determines your top earning categories each month, this makes it a great card for growing your business or expanding in new areas.

However, the card’s unusual intro bonus means you’ll be under pressure to spend efficiently during your first year to reap the max rewards. And after your first year, your total possible rewards earning will rest at a lower than average 2%. In the end, the U.S. Bank Business Leverage® Visa Signature® Card could be a useful card choice for the right business. However, if you prefer better value from fewer spending categories, there are better business options available.

The perks

  • Unique rewards structure.
    Get 2x points per dollar spent on your top two eligible spending categories each month. Get 1x point per dollar spent on all other eligible net purchases. U.S. Bank will automatically detect your two largest categories and post your points accordingly.
  • Intro bonus earnings.
    Earn an additional 1x point for every dollar spent up to $100,000 during your first year after account opening.
  • Numerous reward categories.
    Get reward rates on nearly 50 categories, many of which are purchases that can help get your business off the ground. You’d be hard-pressed to find these categories on similar cards.
  • Intro annual fee.
    U.S. Bank waives your annual fee for your first year. Afterward, you’ll pay $95 each year.

Compare business credit cards

Updated January 27th, 2020
Name Product Rewards Purchase APR Annual fee
Ink Business Preferred℠ Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
17.49% to 22.49% variable
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
American Express® Blue Business Cash Card
2% cash back on all purchases on up to $50,000 per calendar year, then 1%
0% intro for the first 12 months (then 14.74% to 20.74% variable)
Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
The Business Platinum® Card from American Express
5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
Earn 50,000 points after spending $10,000 and an extra 25,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening. Rates & fees
The Blue Business® Plus Credit Card from American Express
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 14.74% to 20.74% variable)
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
American Express® Business Gold Card
4x points on two categories on up to $150,000 combined annually, then 1x points after that and on all other purchases
15.74% to 23.74% variable
Earn 35,000 points after spending $5,000 in the first 3 months from account opening. Rates & fees

Compare up to 4 providers

You’ll also like

  • No point cap.
    You can earn as many points as you can manage without worrying about capping your earnings.
  • Earn on payment processing.
    You can earn more points by connecting your card to your U.S. Bank payment processing account.
  • Free employee cards.
    You can add additional cards to your account at no cost. Plus, these cards can also earn the intro bonus rate on spending during your first year.
  • Visa benefits.
    Depending on the level of your Visa card, you’ll have access to several Visa benefits, including Visa Concierge services, purchase security and a variety of travel insurance coverages.

What to watch out for

  • Demanding intro bonus.
    To make the most of your introductory bonus offer, you’ll need to spend the full $100,000 allotted during your first year. This requires quite a bit more spending than most traditional introductory bonuses.
  • Points can expire.
    Your points will expire five years from the date you earned them.
  • Average reward rate.
    Once you’ve exhausted your introductory rewards rate, your earnings will rest at an average 2x points on your top two spending categories. This isn’t the best rate available if you’re looking for pure earning potential on a business card.

Bottom line

The U.S. Bank Business Leverage® Visa Signature® Card is a good choice if you’re looking for a huge selection of reward categories useful for business spending needs.

However, the nature of the introductory bonus and average reward rates of the card means there are better choices for pure value, particularly if you’ll be spending in bonus categories offered by other cards such as gas stations, travel or office supply stores. Compare available business cards and weigh your needs to find the best card for you.

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