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U.S. Bank BUSINESS Leverage Visa Signature Review

Updated August 15, 2020.

The Facts
  • Annual Fee: first year free and $95 thereafter
  • Signup Bonus: 75,000 points (=$750 statement credit) after you spend $7,500 within the first 4 months of new account opening.
  • Application Landing Page
  • Rewards: 2x points on the two categories that you spend the most each month, 1x everywhere else.
  • Best Use of Leverage points: You may redeem the points for cash back, travel, gift cards, merchandise, magazines, etc., at up to 1 cent per point (cpp).  The best option is redeeming each 5K points for $50 statement credit, at 1 cpp.
  • Other Benefits: Waived foreign transaction fees with an embedded EMV chip.
  • History: This card was introduced in 2020.

The Math

As a 2%-1% cashback card, US Bank Levearge is nothing special, as there are some other business cards that offer impressive rewards, for example, Amex Blue Business Cash which offers 2% cashback for the first $50K purchases per year, or Amex Blue Business Plus which offers 2x points (~3% if you transfer points to frequent flyer miles and know how to leverage them) for the first $50K purchases per year.

The Conclusion
Other than the signup bonus, US Bank Business Leverage pales by comparison to the best business rewards cards.
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