The U.S. Bank Business Leverage Visa Signature is a business credit card in the United States designed for small and mid-sized entrepreneurs who want to earn rewards on corporate expenses.
It combines a flexible rewards program, one that automatically adjusts bonus categories based on your monthly spending, with Visa Signature benefits, making it an attractive option for companies with needs such as travel, purchases, services, and employee spending cards.
Key Features
The Business Leverage card stands out for its rewards structure. At account opening, it offers a welcome bonus: businesses that spend $7,500 in eligible purchases within the first 120 days earn 75,000 points (equivalent to about $750 in rewards).
For ongoing use, the card provides automatic 2% cash back (or equivalent points) in the two categories where your company spends the most each month, selected from dozens of possible options (such as lodging, car rentals, office supplies, auto repairs, advertising, IT services, and more). All other eligible purchases earn 1% cash back.
Additionally, it offers a 5% cash back bonus on prepaid hotel and car rental reservations made directly through the U.S. Bank Travel/Rewards Center—an appealing perk for companies that travel frequently.
The card also allows free additional employee cards, making it easier to distribute corporate spending without increasing fees.
Main Advantages
The U.S. Bank Business Leverage Visa Signature brings several standout benefits. One of the biggest is the adaptive rewards flexibility: the card automatically adjusts to the two categories where you spend the most. This eliminates the need to manually select bonus categories each month and simplifies financial management for the business.
It also features a generous welcome bonus of 75,000 points, offering a strong head start for new cardholders. Free employee cards add further value for companies that need to share spending among partners or team members without additional costs.
For corporate travel, the boosted cash back on bookings, plus the ability to rent cars and book services through the rewards portal, is especially useful. The card also charges no foreign transaction fees.
As a Visa Signature product, it includes premium benefits such as travel insurance, purchase protection, global assistance, auto rental insurance, fraud protection, and more.
Costs and Fees
The Business Leverage card has no annual fee during the first year. After that, the annual fee is around $95, depending on updated bank terms.
The regular APR varies according to credit profile and outstanding balances, typically ranging from about 18.99% to 25.99% variable. However, the card does not charge foreign transaction fees.
Rewards points have an expiration period: they expire five years after the end of the quarter in which they were earned. Other fees may vary depending on bank updates, so it’s advisable to check current terms.
Who Is It For?
This card is best suited for business owners and small to mid-sized companies that:
- have diverse and recurring corporate expenses in frequently used categories
- want to issue employee cards at no extra cost
- travel regularly or conduct international transactions
- prefer rewards that automatically adjust based on spending patterns
- value additional benefits such as insurance, purchase protection, and convenience
Is the U.S. Bank Business Leverage Visa Signature Worth It?
The U.S. Bank Business Leverage Visa Signature can be a strong choice for companies with active spending, multiple employees, and varied expenses. Its flexibility, adaptive rewards, welcome bonus, and Visa Signature benefits add meaningful value, especially for businesses that manage spending strategically and redeem rewards efficiently.
While it does have an annual fee, the rewards and perks often outweigh the cost for companies that use the card consistently. It also offers the advantage of no foreign transaction fees, making it useful for international business activity.
Overall, for growing businesses or companies with moderate to high monthly expenses, this card can be well worth it and may even provide a competitive edge.
you’ll be redirected to the financial institution’s site
All information in this and other US PIXIN articles is subject to change over time. Please check for updates directly with the institutions and companies mentioned. Approval is subject to the institution’s review.
REFERENCES:
Read more about credit cards in https://us.pixin.com.br/category/credit-cards/
