How Does LendingTree Get Paid?
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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

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

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

Sign-Up Bonus
Earn 75,000 points worth $750 cash back. Just spend $7,500 in eligible net purchases on the Account Owner's Card within the first four months of account opening.
Rewards Rate
Earn 2X points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month - automatically. Earn 1X points per dollar spent on all other eligible net purchases.
Extra Perks
Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the U.S. Bank Business Leverage® Visa Signature® Card best for?

If you’re in the market for a business credit card that offers personalized rewards and a valuable sign-up bonus, the U.S. Bank Business Leverage® Visa Signature® Card is a good option.

Along with allowing you to earn an elevated cash back rate in the top two categories where your business spends the most each month, the card offers a sign-up bonus worth $750.

The card also offers free employee cards and waives the annual fee for the primary cardholder the first year of card membership.

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

    • Limited time 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.
    • U.S. Bank Business Leverage® Visa Signature® Card
    • Earn 2% back in the top two categories where you spend the most each month automatically.
    • 1% cash per dollar spent on all other eligible purchases.
    • Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
    • No annual fee for the first year and $95 thereafter.
    • No reward caps or limits on the total rewards your business can earn. Redeem for your choice of cash back, gift cards, merchandise and travel.
    • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay ™Plan.
    • Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
    • Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
    • Terms and conditions apply
  • Credit needed:
    780 850
    Excellent/Good
  • Free employee cards
  • Employee card controls
  • Ability to track spending
  • $0 foreign transaction fees

Intro Purchase APR

N/A

Regular Purchase APR

18.99% - 23.99% (Variable)

Intro BT APR

N/A

Regular BT APR

18.99% - 23.99% (Variable)

Annual Fee

$0 intro for 12 months, $95 after

Cash Advance Fee

N/A

Foreign Transaction Fee

$0

Balance Transfer Fee

introductory fee of either 5% of the amount of each transfer or $5 minimum, whichever is greater for balances transferred with this application. After that, either 3% of the amount of each transfer or $5 minimum, whichever is greater

Pros and cons of the U.S. Bank Business Leverage® Visa Signature® Card

Pros

  • Personalized rewards
  • Valuable sign-up bonus
  • Intro annual fee

Cons

  • No intro APR
  • Mediocre benefits
  • Limited redemption options

What we like about the U.S. Bank Business Leverage® Visa Signature® Card

  • Personalized rewards

    Earn 2X points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month - automatically. Earn 1X points per dollar spent on all other eligible net purchases.

    The top two spend categories are based on 48 categories, including advertising firms, construction materials, commercial supplies, gas stations and restaurants.

    In addition, cardholders can earn 5% back on prepaid hotel stays and car rentals booked directly in the U.S. Bank Travel Rewards Center.

  • Valuable sign-up bonus

    The U.S. Bank Business Leverage® Visa Signature® Card offers a generous sign-up bonus: Earn 75,000 points worth $750 cash back. Just spend $7,500 in eligible net purchases on the Account Owner's Card within the first four months of account opening.

  • Intro annual fee

    U.S. Bank Business Leverage® Visa Signature® Card holders receive an annual fee of $0 intro for 12 months, $95 after that.

What to look out for with the U.S. Bank Business Leverage® Visa Signature® Card

  • No intro APR

    The U.S. Bank Business Leverage® Visa Signature® Card doesn’t offer a promotional 0% intro APR on purchases or balance transfers.

    That said, the card does offer U.S. Bank ExtendPay Plans, which lets cardholders divide eligible credit card purchases into monthly payments with no interest — for a monthly fee. Note, to qualify for ExtendPay, the purchase must be made within 60 days prior to signing up for ExtendPay, be over $100 and be less than your purchase balance when you sign up for ExtendPay.

  • Mediocre benefits

    The U.S. Bank Business Leverage® Visa Signature® Card comes with some helpful perks, such as customizable spending rules for employees and spend tracking. However, it lacks some popular card benefits, like extended warranty, purchase protection and cell phone insurance.

  • Limited redemption options

    With the U.S. Bank Business Leverage® Visa Signature® Card , you can only redeem points for cash back in the form of a statement credit or deposit to a U.S. Bank checking or savings account.

    In addition, rewards will expire five years from the end of the quarter in which they were earned.

Alternate business card

Compare it to the Ink Business Preferred® Credit Card

| Disclosures
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
on Chase's secure site
N/A
18.99% - 23.99% Variable
$95
Earn 3 points per $1 on the first $150,000 spent in combined
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
750 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

 

If you want to earn an even higher sign-up bonus and more points per dollar on select business-related purchases, the Ink Business Preferred® Credit Card is a great alternative.

The card lets you earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. If you redeem those points for cash or gift cards, they’ll be worth $1,000. But if you redeem them for travel through Chase Ultimate Rewards®, they will be worth 25% more — boosting the value to $1,250.

Plus, cardholders earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.

Along with redeeming points for cash, gift cards and travel, Ink Business Preferred® Credit Card holders can transfer points to several airline and hotel loyalty partners, including British Airways Executive Club, JetBlue TrueBlue, Singapore Airlines KrisFlyer and World of Hyatt, at a rate of 1:1.

The Ink Business Preferred® Credit Card does not offer a 0% intro APR on purchases or waive the annual fee the first year. However, the amount you can earn from the card’s sign-up bonus can easily cancel out the $95 annual fee the first year.

The Ink Business Preferred® Credit Card also offers a number of valuable benefits — these include cell phone protection, trip cancellation and interruption insurance, roadside dispatch, auto rental collision damage waiver, purchase protection and extended warranty protection.

 

Compare the U.S. Bank Business Leverage® Visa Signature® Card to similar cards

Comparison of four different credit cards
U.S. Bank Business Leverage<sup>®</sup> Visa Signature<sup>®</sup> Card Ink Business Preferred<sup>®</sup> Credit Card Ink Business Cash<sup>®</sup> Credit Card U.S. Bank Business Triple Cash Rewards World Elite Mastercard<sup>®</sup>
U.S. Bank Business Leverage® Visa Signature® Card Ink Business Preferred® Credit Card Ink Business Cash® Credit Card U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Read Review
Apply Now
on Chase's secure site
Apply Now
on Chase's secure site
Read Review
Welcome Offer
Earn 75,000 points worth $750 cash back. Just spend $7,500 in eligible net purchases on the Account Owner's Card within the first four months of account opening. Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. LIMITED TIME OFFER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
Rewards Rate
Earn 2X points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month - automatically. Earn 1X points per dollar spent on all other eligible net purchases. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn. Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn. Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center. No limit on total cash back earned.
Annual Fee
$0 intro for 12 months, $95 after $95 $0 $0
Regular APR
18.99% - 23.99% (Variable) 18.99% - 23.99% Variable 16.24% - 22.24% Variable 17.74% - 26.74% (Variable)
Recommended Credit
Excellent/Good Excellent Excellent Excellent/Good
Card Details
U.S. Bank Business Leverage® Visa Signature® Card Ink Business Preferred® Credit Card Ink Business Cash® Credit Card U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Is the U.S. Bank Business Leverage® Visa Signature® Card right for you?

If you’re looking for a small business credit card with a generous sign-up bonus, solid rewards rate and affordable annual fee, the U.S. Bank Business Leverage® Visa Signature® Card is a good choice.

But if you want to earn an even higher sign-up bonus and rewards rate on eligible business purchases — as well as receive access to more robust benefits— the Ink Business Preferred® Credit Card may be a better fit.

You should also keep in mind that unlike the U.S. Bank Business Leverage® Visa Signature® Card , this card does not offer an interest-free payment plan option or waive the annual fee during the first year of card membership.

Plus, while you can squeeze more value from your rewards with the Ink Business Preferred® Credit Card, the amount you have to spend in order to earn the bonus is significantly higher than that of the U.S. Bank Business Leverage® Visa Signature® Card , and the highest rewards earning rate is capped at $150,000 per year.

The information related to the U.S. Bank Business Leverage® Visa Signature® Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.