U.S. Bank Business Leverage® Visa Signature® Card
Business Leverage is for owners whose spending mix changes month to month. The card automatically pays 2X points in your top two spend categories each month, 5X on prepaid hotels and car rentals booked in the Travel Center, and 1X on everything else. The annual fee is $0 intro for the first year, then $95. The caveat: points expire five years after the quarter they were earned.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 2X points in your top two spend categories each month, chosen automatically from your actual spending
- 5X points on prepaid hotels and car rentals booked in the Travel Center
- Up to $600 in rewards after $6,000 in eligible purchases in the first 120 days
- $0 intro annual fee for the first year
- Free employee cards that earn points on the same account
- ExtendPay Plans to split large purchases into fixed monthly payments
- Annual fee: $0 intro for the first year, then $95
- Purchase APR: see the issuer's pricing and terms
- Intro APR: N/A
- Balance transfer fee: see the issuer's pricing and terms
- Cash advance APR and fee: see the issuer's pricing and terms
- Late payment fee: see the issuer's pricing and terms
- Foreign transaction fee: None on international inventory, supply and travel expenses
- Points expire five years from the end of the calendar quarter in which they were earned
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- Your business spending shifts between categories, so fixed-category cards keep missing your top spend
- You want the bonus categories handled automatically, with nothing to enroll or select
- Your business puts $6,000 on cards in four months, which clears the full welcome offer
- You add employee cards at no cost and pool their earning
- You should skip it if your spending is concentrated in one fixed category every month, a fixed 3% category card can pay more
U.S. Bank Business Leverage® Visa Signature® Card Review
Most business cards make you guess your categories in advance. Business Leverage reads your statement and pays 2X wherever your business actually spent the most that month. This review covers the mechanics, the fee schedule, and who benefits.
How You Earn
The card looks at your monthly statement and applies 2X to the two categories where you spent the most, automatically. Travel booked through the portal earns a flat 5X.
- Top two categories are recalculated every month from your actual spending
- Gas, EV charging and grocery purchases at wholesale clubs are excluded from the top-two calculation
| Category | Earn rate |
|---|---|
| Top two spend categories each month | 2X, applied automatically |
| Prepaid hotels and car rentals via Travel Center | 5X |
| All other eligible purchases | 1X |
How You Redeem
Points redeem through U.S. Bank's rewards program, with maximum value on deposits to a U.S. Bank business account. The $600 welcome figure equals 60,000 points at that maximum value.
- Real-Time Rewards redemptions are available on eligible purchases
- Points expire five years from the end of the quarter in which they were earned
Benefits and Protections
The card carries Visa Signature business benefits and tools for managing employee spending.
- Free employee cards
- ExtendPay Plans with a $0 fee offer in the first 60 days
- No foreign transaction fees on international inventory, supply or travel expenses
- Zero fraud liability for unauthorized transactions
Who This Card Is For
This card fits businesses whose biggest expense changes with the season or the project. If the same category leads every month, a fixed-category business card at 3% may out-earn the 2X here.
- Best for seasonal or project-driven spending patterns
- Weak fit for single-category businesses
- The first-year fee waiver gives a full year to test the fit
Comparison
| Feature | U.S. Bank Business Leverage | The Business Platinum Card from American Express | U.S. Bank Triple Cash Rewards |
|---|---|---|---|
| Annual Fee | $0 intro first year, then $95 | $895 | $0 |
| Welcome Offer | Up to $600 after $6,000 in 120 days | As high as 300,000 points, offers vary | $750 after $6,000 in 180 days |
| Rewards Rate | 2X top two categories each month | 5X flights and prepaid hotels via Amex Travel | 3% on gas, office supply, cell service, dining |
| Intro APR | N/A | N/A | 0% for 12 billing cycles |
| Foreign Transaction Fee | None | None | See issuer terms |
| Best For | Shifting monthly spend | Premium travel perks | Fixed 3% categories |
Issuer Comparison
| Feature | U.S. Bank Business Leverage | U.S. Bank Triple Cash Rewards | U.S. Bank Business Altitude Connect |
|---|---|---|---|
| Annual Fee | $0 intro first year, then $95 | $0 | $0 intro first year, then $95 |
| Welcome Offer | Up to $600 after $6,000 in 120 days | $750 after $6,000 in 180 days | 75,000 points after $6,000 in 180 days |
| Rewards Rate | 2X top two categories each month | 3% on gas, office supply, cell service, dining | 4X travel, 5X prepaid via Travel Center |
| Key Credits | ExtendPay $0 fee offer | $100 software subscription credit | $25 rideshare statement credit |
| Best For | Shifting monthly spend | Fixed everyday categories | Business travel |
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Reader reports, not issuer data. Not a prediction of your result. Ranges only, reviewed before publishing.