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

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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 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 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 staff writer at Finder. 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 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.

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.
  • 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.

Compare business credit cards

Data indicated here is updated regularly
Name Product Rewards Purchase APR Annual fee
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
2x miles on American Airlines, gas stations and select business categories and 1x miles on all other purchases
15.99% to 24.99% variable
$0 intro annual fee for the first year ($99 thereafter)
70,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening.
Brex for Startups
7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
Brex for Ecommerce
60-day interest-free financing for e-commerce businesses.
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.
BP Business Solutions Mastercard®
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month
28.99% variable
Up to $120
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month.

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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

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

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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