U.S. Bank Business Leverage® Visa Signature® Card
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The U.S. Bank Business Leverage® Visa Signature® Card is a business card designed for people who spend on categories that other credit cards may not offer rewards for. It has a welcome bonus and a straightforward 2% cash back rewards system for the two categories you spend the most money on in a month. But unless you spend on something fairly unusual, you might find other credit cards offer better rewards. We dive into the details and your approval odds in this U.S. Bank Business Leverage® Visa Signature® Card review.
Our Rating
4.5/5.0
Welcome Offer
Earn 75,000 bonus points
Annual Fee
$0 intro annual fee the first year, $95 thereafter
0% Intro on Purchases
None
Reward Rate
1% to 5% cash back
0% Intro on Balance Transfers
None
Welcome Offer
Earn 75,000 bonus points. Earn up to $750 in rewards when you spend $7,500 in eligible purchases on the account owner’s card within the first 120 days of opening your account.
Editorial Review
How Does the Business Leverage Compare?
A sign-up bonus sweetens the deal for this business credit card that offers 2% cash back rewards on whatever you spend the most money on each month. It calculates whatever those two categories are automatically, so if you spend a great deal on Chinese pottery or rare coins, you’ll be rewarded. You also get 5% cash back on prepaid hotel and car rentals booked through the travel center. However, if you spend on more common business expenses, you might find a different card suits you better.
Who is the Business Leverage best for?
Business card holders who spend on two categories that they may not be rewarded for by other business credit cards will do well with this card.
Who would do better with a different card?
Business card holders who spend on more common business categories and like a simple cash back structure might consider the The American Express Blue Business Cash™ Card. You’ll earn a straightforward 2% cash back on all purchases up to $50,000 per year, then 1%. It also offers a 0% introductory APR on purchases for the first 12 months from date of account opening months.
The Ink Business Unlimited® Credit Card has an intro offer and you’ll earn 1.5% cash back across the board, and qualify for Chase Ultimate Rewards.
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Cell Phone Protection, Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
| Travel Perks | Access to Special Events and Concerts, Auto Rental Collision Damage Waiver, Emergency Travel Assistance, Airport Lounge Access, Luggage Protection, Trip Delay Reimbursement, Roadside Assistance, Travel Accident Insurance, Trip Cancellation Insurance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 intro annual fee the first year, $95 thereafter |
| Foreign Transaction Fee | None |
| Regular APR | 18.99% to 25.99% (V) APR |
What Credit Score Is Required to Get the U.S. Bank Business Leverage® Visa Signature® Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 645
Average Approved Credit Score: 653
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 02/06/2023 | Experian | ||
| Approved | 02/06/2023 | TransUnion | ||
| Denied | 01/11/2024 | Equifax | ||
| Denied | 01/11/2024 | TransUnion | ||
| Denied | 01/11/2024 | Experian |
Pros & Cons
- Welcome offer
- No foreign transaction fee
- Up to 5% cash back
- Annual fee
- Requires good credit
What Are the Best Alternatives?
The American Express Blue Business Cash™ Card
Rating
4.6
Rewards Range
1% - 2%
Annual Fee
No annual fee
Ink Business Cash® Credit Card
Rating
4.8
Rewards Range
1%-5%
Annual Fee
$0
Capital One Spark Cash Select
Rating
4.7
Rewards Range
1.5% - 5%
Annual Fee
$0