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U.S. Bank Business Leverage Visa Signature Card Review

overall rating

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The U.S. Bank Business Leverage Visa Signature offers 2 points per dollar spent in the two spending categories on which you spend the most each month, with no limits on the points you can earn. While it offers few other benefits, there is a bonus of 75,000 points after spending $7,500 in the first four months of account opening.

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

Overall Rating
U.S. Bank Business Leverage™ Visa Signature® Card
On U.S. Bank's Secured Site.
Current Offer

Earn 75,000 bonus points worth $750 cash back after spending $7,500 within the first 4 months of account opening.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Regular APR (%) 15.99% - 20.99% variable
Annual Fee $0 first year, then $95
Rewards Earning Rate Earn 2X points in your top 2 categories where you spend the most, automatically.
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance APR (%) 25.99%
Cash Advance Fee Either $15 or 5% of the amount of each cash advance, whichever is greater.
how this card stacks up
When compared among all business cards in our database:
Low Fees
Security/Customer Experience
Low Interest
worst best

The U.S. Bank Business Leverage Visa Signature Card is not one of our top-rated rewards credit cards. You can review our list of the best rewards credit cards for what we think are better options.

Full Review of U.S. Bank Business Leverage Visa Signature Card

  • Your highest-earning rewards categories adjust, based on monthly spending

  • Bonus worth $750

  • U.S. Bank's small-business credit card service is below par

  • Minimal benefits

  • Points expire after five years

Pros Explained

  • Your Highest-Earning Rewards Categories Adjust, Based on Monthly Spending: The U.S. Bank Business Leverage Visa Signature has unusual flexibility to optimize rewards to your spending. You earn 2 points per dollar spent in the top two categories in which your business happened to spend the most in any single month. Points are worth 1 cent apiece when applied as a statement credit. Since the list is long (at 48 categories), this feature automatically maximizes rewards on even relatively infrequent expenses—like a major car repair to a company vehicle or a hefty annual order from a wholesaler.  
  • Bonus Worth $750: A one-time bonus of 75,000 is available after spending $7,500 in the first four months of account opening. These bonus points are worth $750 when redeemed for a statement credit or deposited into an account at U.S. Bank.
  • No Limit On Points Earned: Some business cards cap points rewards once you reach a certain level of spending, such as $25,000 each year. This card has no such limit.

Cons Explained

  • U.S. Bank's Card Service to Businesses Is Below Par: Businesses don't necessarily interact with their credit card issuer very often. But when that's necessary, it’s often a matter of some urgency and even stress, and you want a satisfying experience. Unfortunately, that’s less likely to be the case for businesses who deal with U.S. Bank than with most other card issuers scored in the J.D. Power Small-Business Credit Card Customer Satisfaction Study. In its 2020 survey, U.S. Bank ranks in the lowest group, as the least-satisfying issuer of business credit cards among nine that are scored. U.S. Bank’s score of 814 out of 1,000 was 26 points below the national average. 
  • Minimal Benefits: To say the least, this card is light on features and benefits. It offers not only few benefits that are standard with business cards, such as tools to help track expenses but no travel benefits either, such as insurance coverage for rental cars.
  • Points Expire After Five Years: As a rule, credit-card points don't expire. This card offers an exception. Its rewards expire at the end of the calendar quarter that occurs five years after the date you earned the points in question. While that provides a fairly long period in which to use points, it also imposes a need to pay attention to when rewards expire, to be sure they don't "age out."

This Card is Best For

  • Avatar for Rewards Strategist Persona
    Seeks to maximize points or miles earnings across spending categories
    Rewards Strategist
  • Avatar for Business Owner Persona
    Earning a primary or side income from a small business
    Business Owner

The U.S. Bank Business Leverage Visa Signature card best fits businesses whose spending ranges over a number of different categories, depending on the month. Such a spending pattern aligns well with this card’s rewards structure, which automatically adjusts to spending by automatically awarding the highest rate every month to the two categories with the heaviest spending. 

U.S. Bank Business Leverage Visa Signature Card's Bonus

You’ll earn 75,000 points after spending $7,500 in the first four months of account opening. These points are worth $750 if you redeem them for a statement credit, gift cards, travel or deposit them in a U.S. Bank account.

Rewards Earning Details

You’ll earn 2 points per dollar spent on eligible purchases in your top two of 48 eligible spending categories each month. The categories encompass virtually every major expense type a small business might incur, from travel (airlines and hotels) through infrastructure and basic overhead (telecom, utilities, construction supplies, insurance, healthcare) to shipping (freight, postals and courier services) and promotion (advertising and marketing). The full list of eligible vendors:

  • Advertising Firms
  • Airlines
  • Apparel and accessory stores
  • Auto rental and transport providers
  • Automotive dealers
  • Automotive parts stores
  • Automotive repair shops
  • Cable, satellite, TV, and radio providers
  • Charitable, civic, and religious organizations
  • Commercial and home furniture stores
  • Commercial equipment, parts and supplies
  • Computer service providers
  • Computer stores
  • Construction material suppliers
  • Dental, lab, and medical equipment providers
  • Department, book, and novelty stores
  • Direct marketers
  • Discount stores and wholesale clubs
  • Drug stores and pharmacies
  • Durable-goods providers
  • Entertainment places
  • Florist, nursery, and garden stores
  • Freight and transport services
  • Funeral homes and crematories
  • Gas stations and fuel dealers
  • Grocery stores and supermarkets
  • Healthcare providers
  • Home improvement service and supply
  • Hotels
  • Industrial suppliers
  • Insurance providers
  • Membership organizations
  • Non-durable goods providers
  • Non-medical testing labs
  • Personal service providers
  • Pet supply stores
  • Plumbing and HVAC suppliers
  • Postal and courier service providers
  • Professional service providers
  • Publishers and printers
  • Restaurants
  • Schools and government
  • Stationery and office-supply stores
  • Telecom equipment suppliers
  • Telecom service providers
  • Utility companies
  • Veterinarians
  • Wholesale goods providers

You’ll earn 1 point per dollar spent on all other eligible purchases. There are no limits to the number of total points you can earn, but points earned do expire at the end of the calendar quarter that occurs five years from the date the points were earned. You will also automatically lose your points if your account is closed to future transactions.

Rewards Redemption Details

You can redeem the points you earn at a value of a penny each for a statement credit, deposit to a U.S. Bank account, gift cards, or travel. 

You can also redeem your points for merchandise. U.S. Bank does not specify the value per point for such redemptions, but with most cards it yields less than the most lucrative options.

How to Maximize Your Rewards

To make the most of the U.S. Bank Business Leverage Visa Signature card, arrange your business’s spending, if you can, so that any one bill you pay will be big enough to qualify as among the top two expenses for the month, and thus earn 2 points per dollar spent. You could accomplish that by, for example, arranging to make (or at least bill) certain expenditures every two or three months rather than every 30 days. Further, be sure to take advantage of the one-time bonus of 75,000 points by spending $7,500 in the first four months the account is open.

Standard Benefits

  • Free employee cards
  • Spend tracking with U.S. Bank's Spend Analysis reporting tool

Cardholder Experience

U.S. Bank received a score of 814 in the J.D. Power’s 2020 U.S. Small Business Credit Card Study, and so ranked last place of nine national companies scored. The industry average score of 840 was 26 points higher than that of U.S. Bank. 

You can reach U.S. Bank’s customer service team for the U.S. Bank Business Leverage Visa Signature card at 866-485-4545.

Security Features

The security features for this credit card are standard for the industry.

Fees to Watch Out For

While this card waives its annual fee in the first year, it is $95 each year thereafter. The card also charges a higher balance transfer fee when you make a balance transfer request with the application than it does for balance transfer requests made after the application.

Our Verdict

The calling card, so to speak, of the U.S. Bank Business Leverage Visa Signature is how simply it adjusts its rewards to business spending. Where competitors either bake in categories on which you earn the best rewards, or require you to actively pick these, this card automatically awards its best rewards to the two categories on which you’ve spent the most in the past month. And there’s no limit on the rewards you can earn at the best rate, in contrast to cards that limit spending for their optimal rate to as little as $25,000 in spending every year.

Those pluses, though, do not alone make this card a standout choice for all or even most businesses. For all the flexibility of its best rewards, businesses can get the same rewards return (of 2% of spending) on all purchases with other cards, some of which charge no annual fee. And with no travel benefits, this card all but begs company in your wallet from another card that has pluses it lacks, like rental-car coverage and the absence of foreign-transaction fees. Some such cards also provide a period of 0% APR on purchases or balance transfers (or both), which the U.S. Bank Business Leverage Visa Signature does not offer.

Next Steps
For U.S. Bank Business Leverage™ Visa Signature® Card
on U.S. Bank's Secured Site.
Compare This Card
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U.S. Bank Business Leverage™ Visa Signature® Card
overall rating
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Regular APR (%) 15.99% - 20.99% variable
Annual Fee $0 first year, then $95
Rewards Earning Rate Earn 2X points in your top 2 categories where you spend the most, automatically.
Investopedia Credit Card Rating Methodology
Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.
Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.