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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.

finder.com’s rating: 3.8 / 5

★★★★★

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

75,000

Points as welcome offer

Up to 2x

Points

$0

Annual fee

for the first year ($95 thereafter)

16.49%

Purchase APR (variable)

Details

Product NameU.S. Bank Business Leverage® Visa Signature® Card
Card typeVisa
Annual fee$0 intro annual fee for the first year ($95 thereafter)
Purchase APR16.49% variable
Balance transfer APR16.49% variable
Cash advance rate23.99% 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 writer at Finder. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on Debt.com, CreditCards.com and Lifehacker.

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 a signup bonus worth $750 in cash back 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.

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.

Card benefits

  • 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. There’s no cap on the points you can earn.
  • Signup bonus.
    Earn 75,000 bonus points after you spend $7,500 within the first 4 months from account opening. This is a strong signup bonus worth $750 when redeemed for cash back.
  • 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.
  • Other card perks.
    You can earn more points by connecting your card to your U.S. Bank payment processing account. Also, add additional cards to your account at no cost, which earn the intro bonus rate on spending during your first year.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.

Compare business credit cards

Data indicated here is updated regularly
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
15.99% to 20.99% variable
$95
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards®
Ink Business Cash℠ Credit Card
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
Ink Business Unlimited℠ Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.
United℠ Business Card
2x miles on United, transit and rideshares, and at gas stations, office supply stores and restaurants, and 1x miles on all other purchases
16.49% to 23.49% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 60,000 miles once after spending $3,000 in your first 3 months.
Universal Premium Mastercard®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
27.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
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What to watch out for

  • Points can expire.
    Your points will expire five years from the date you earned them.
  • Average rewards rate.
    Your rewards will be 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.

How to apply for the U.S. Bank Business Leverage® Visa Signature® Card

  1. Visit the U.S. Bank website and navigate to the U.S. Bank Business Leverage® Visa Signature® Card page.
  2. Click Apply now.
  3. Complete the application with details such as your business information, Social Security number, contact information and annual income.
  4. Review your information and submit your application.

What credit score do I need?

Consider applying for this card with an excellent credit score of 740 or higher.

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 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.

Frequently asked questions

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Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.

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