Check out the U.S. Bank Business Leverage Visa Signature card, to obtain 75,000 bonus pints after you spend $7,500 in eligible net purchases on the Account Owner’s Card within the first four months of account opening.
With this card, you can earn 2x points for every $1 spent on purchases made in the top 2 categories where you spend the most each month, and 1x point for every $1 spent on all other purchases.
This is a great card for those of you who don’t find yourselves spending a large amount of money in one single category. The Business Leverage card’s bonus categories automatically change each month to match where your company spends the most. This makes it a great low-maintenance option for high rewards!
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U.S. Bank Business Leverage Visa Signature Summary
 The U.S. Bank Business Leverage Visa Card® offers 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. You'll earn 2X points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month - automatically; 1X points per dollar spent on all other eligible net purchases. There are no caps or limits on the total points you can earn with the opportunity to more rewards when you link your card to your U.S. Bank payment processing account. Only U.S. Bank rewards you for both taking payments and making purchases Learn more at usbrelationshiprewards.com. There is no annual fee for the first year, $95 thereafter. You'll also get free employee cards. |
| Bonus Available | 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. |
| *Bonus Value | $750 |
| Travel Credit | No travel credit |
| Ongoing Rewards/Benefits | Earn 2 points for every $1 spent on purchases made in the top 2 categories where you spend the most each month, and 1 point for every $1 spent on all other purchases.
Employee cards at no extra cost. |
| Foreign Transaction Fees | 2% (USD) / 3% (foreign currency) |
| Airport Lounge Access | Not applicable |
| Annual Fee | $95, waived your first year. |
* The U.S. Bank Business Leverage Visa Signature is issued by U.S. Bank. They also offer great sign-up bonuses. You can also compare this card with other credit card bonuses!
* Bonus value is an estimated value calculated by BankCheckingSavings and not the card issuer.
View our latest valuations here.
Recommended Free Credit Score (Get Free Score)
720 – 850 (Excellent)
PROS
- Bonus points
- Flexible bonus categories
- Free employee cards
- Earn rewards for taking payments
CONS
- Annual fee
- Excellent credit needed to qualify
- Foreign transaction fees
Editor’s Alternate Pick
 The Chase Ink Business Preferred Card offers 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®. You'll earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year; 1 point per $1 on all other purchases - with no limit to the amount you can earn. Furthermore, points are worth 25% more when you redeem for travel through Chase Ultimate Rewards. This card does come with a $95 annual fee but does not have any foreign transaction fees. |
U.S. Bank Business Leverage Card 75,000 Bonus Offer
Get the 75,000 points worth $750 cash back with this welcome offer. To earn the bonus bonus, spend $7,500 in eligible net purchases within the first four months of account opening.
Here are some ideas on meeting the spending requirement:
• Plastiq - Using Plastiq allows you to pay for your personal expenses such as rent, tuition, mortgage, auto lease etc. Although they charge a 2.5% processing fee for using your credit card, this will contribute to the card bonus that you will receive. There is also a referral program that allows you to earn "Free-Free Dollars" that goes towards processing fees as well. • Funding Checking Accounts - When it comes to funding a checking account, opening your initial deposit with a credit card is the usual way to go about it. However, if you want to have more opportunities, you should open a checking account that offers a sign-up bonus. This allows you to work towards bonuses from not one but two different sources instead. Banks like Chase, Huntington Bank, TD Bank and BBVA offers credit card funding, and for your opening deposit, you can often fund anywhere from $50-$1000 with a credit card, depending on what bank offers it. • Gift Card Purchases With Using a Credit Card - Another way to acquire the bonus is using your credit card to purchase gift cards. Buying a a gift card or an individual merchant card typically do not require a purchase fee and are used towards leisure, so gift cards are ideal. However, gift cards such as a Visa or American Express do incur purchase fees because they can be spent anywhere, but gift cards that are specifically for a certain online shopping site such as Amazon or eBay don't. As for a Citi Credit Card, you should call customer service and ask them to lower your Cash Advance limit to $0 before making any purchases because Citi tends to read gift card purchases as a Cash Advance. Ideally, you should do this with any card just to be safe. Lastly, there is such thing as a discounted gift card which can be purchased on Raise or eBay. If you use a credit card often for everyday purchases, it can build your credit score that will contribute towards paying for things such as bills and taxes. |
What Are Business Leverage Points Worth?
Just like other rewards cards, the value of your miles depends on how you use them. On average, each Business Leverage point is worth $0.01. This valuation is neither good nor bad. It’s what you would get for your points, on average, across different rewards cards.
You can use your Business Leverage points for:
- Cash back
- Travel
- Gift cards
- Merchandise
You have the option of getting your cash back in the form of statement credits or deposits to a U.S. Bank checking or savings account. The minimum to do so is redeeming 5,000 points, or $50.
Redeeming for Merchandise will get you less than the 1 cent per point in value as with the other options.
There are no black-out dates when you purchase award travel through the bank’s booking site. You’ll find most major airlines, hotels and car rental brands there.
U.S. Bank Business Leverage Card Top Features
Earn bonus points in the top 2 categories you spend in each month. There are no caps or limits on the total points you can earn. Here’s a list of the 48 possible bonus categories:
| Advertising firms | Airlines | Apparel & accessory stores |
| Auto rental & transport providers | Automotive dealers | Automotive parts stores |
| Automotive repair shops | Cable, satellite, TV & radio providers | Charitable, civic & religious organizations |
| Commercial & home furniture stores | Commercial equipment, parts & supply | Computer service providers |
| Computer stores | Construction material suppliers | Dental, lab & medical equipment providers |
| Department, book & novelty stores | Direct marketers | Discount stores & wholesale clubs |
| Drug stores & pharmacies | Durable goods providers | Entertainment places |
| Florist, nursery & garden stores | Freight & transport services | Funeral homes & crematories |
| Gas stations & fuel dealers | Grocery stores & supermarkets | Healthcare providers |
| Home improvement service & supply | Hotels | Industrial suppliers |
| Insurance providers | Membership organizations | Non-durable goods providers |
| Non-medical testing labs | Personal service providers | Pet supply stores |
| Plumbing & HVAC suppliers | Postal & courier service providers | Professional service providers |
| Publishers & printers | Restaurants | Schools & government |
| Stationary & office supply stores | Telecom equipment suppliers | Telecom service providers |
| Utility companies | Veterinarians | Wholesale goods providers |
U.S. Bank is the only issuer that rewards you for taking card payments on top of the rewards you earn for making purchases. Earn points on net payment processing volume – up to 240,000 points annually.
Simply register for Encore Relationship Rewards. It’s free and easy.
Bottom Line
If you’re looking for a rewards card that puts the customer first, consider the U.S. Bank Business Leverage Visa Signature Card. It allows you to maximize the rewards that you earn on the top 2 categories that you spend the most on each month. With more than 50 qualifying categories, you’ll be able to earn cash back on a variety of things!
Let us know about your thoughts and experience with this card in the comment section below! For more Amex offers, see our list of the Best American Express Credit Card Promotions or an extensive list of the latest credit card deals.
The U.S. Bank Business Leverage Visa Card® offers 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. You'll earn 2X points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month - automatically; 1X points per dollar spent on all other eligible net purchases. There are no caps or limits on the total points you can earn with the opportunity to more rewards when you link your card to your U.S. Bank payment processing account. Only U.S. Bank rewards you for both taking payments and making purchases Learn more at usbrelationshiprewards.com. There is no annual fee for the first year, $95 thereafter. You'll also get free employee cards. |
What’s The Competition?
* Below are some of the top competitors to the U.S. Bank Business Leverage Visa Signature Card to consider.
The Chase Ink Business Preferred Card offers 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®. You'll earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year; 1 point per $1 on all other purchases - with no limit to the amount you can earn. Furthermore, points are worth 25% more when you redeem for travel through Chase Ultimate Rewards. This card does come with a $95 annual fee but does not have any foreign transaction fees. |
 The Capital One Spark Miles for Business offers a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening. Your miles won't expire for the life of the account, and there are no categories to limit where or what you buy and you can earn 2 miles per $1 on every purchase. And 5X miles on hotel and rental car bookings through Capital One TravelSM using a Spark Miles card There is an annual fee of $95, however, there is a $0 intro annual fee for the first year. Enjoy no foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions. |
 The The Business Platinum Card® from American Express has a welcome offer of 120,000 Membership Rewards points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership. Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening. You'll earn: • 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. In addition, you'll get 50% more Membership Rewards® points. • 1.5X Membership Rewards points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies. Get $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline. This card does come with a $595 annual fee ($695 if application is received on or after 01/13/2022). (See Rates & Fees) Terms Apply. |
• Chase Bank Bonuses. Chase usually offers the most sign-up bonuses out of all the big banks. Read up and enjoy several promotions for their Checking, Savings and Business accounts. • HSBC Bank Bonuses. HSBC has some big value offers available for their Checking accounts. Some require hefty deposits to qualify. They also have an online Savings account offering a very competitive rate. • Huntington Bank Bonuses. Huntington has Consumer Checking and Business Checking accounts available throughout the year. • Discover Bank Bonuses. As an online bank, Discover offers high and competitive rates on their Savings, CD, and Money Market accounts. Enjoy excellent customer service nationwide. • TD Bank Bonuses. TD Bank consistently offers great Checking account bonuses all year long. Savings account offers are less frequently available. |
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