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

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 $750 in rewards

Annual Fee

$0 intro annual fee the first year, $95 thereafter

0% on Purchases

N/A

Reward Rate

1% to 5% cash back

0% on Balance Transfers

N/A

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 for the first 12 months from date of account opening months.

The Ink Business Unlimited® Credit Card has a $750 bonus once you spend $6,000 in the first 3 months. You’ll earn 1.5% cash back across the board, and qualify for Chase Ultimate Rewards. 

Welcome Offer

Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners’ card within the first 120 days of opening your account.

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsCell Phone Protection, Extended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksAccess 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

1% cash back
On all other eligible purchases
Earn 1% cash back per dollar spent on all other eligible purchases.
2% cash back
Select Categories
Earn 2% back in the top two categories where you spend the most each month automatically.
5% cash back
Hotels
Earn 5% back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.

Interest Rates & Fees

Annual Fee$0 intro annual fee the first year, $95 thereafter
Foreign Transaction FeeN/A
Regular APR21.24% - 26.24% (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 a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved02/06/2023
645
Experian
$3,000
Approved02/06/2023
661
TransUnion
$3,000
Denied01/11/2024
743
Equifax
---
Denied01/11/2024
751
TransUnion
---
Denied01/11/2024
755
Experian
---

Pros & Cons

Pros
  • Welcome offer
  • No foreign transaction fee
  • Up to 5% cash back
Cons
  • Annual fee
  • Requires good credit

What Are the Best Alternatives?

The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card

Rating

4.6

Rewards Range

1% - 2%

Annual Fee

No annual fee

Ink Business Cash® Credit Card
Ink Business Cash® Credit Card

Rating

4.8

Rewards Range

1%-5%

Annual Fee

$0

Capital One Spark Cash Select for Excellent Credit
Capital One Spark Cash Select for Excellent Credit

Rating

4.7

Rewards Range

1.5% - 5%

Annual Fee

$0

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