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

Is your business credit card earning the most rewards?

Earn 2% cash back in the top two categories where you spend the most each month automatically and 1% cash back per dollar spent on all other eligible purchases.¹

No annual fee View U.S. Bank Business Leverage Visa Card credit card terms and conditions. for the first year and $95 View U.S. Bank Business Leverage Visa Card credit card terms and conditions. thereafter.

Apply now

2% back

Earn 2% back in the top two categories where you spend the most each month automatically.¹

No Rewards limits

No caps or limits on the total rewards your business can earn. Top Two bonus categories adjust automatically each month based on your spending.¹

PrePaid Travel

Earn 5% back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.²

Apply now

Earn even more with the Leverage Visa^® business credit card

Pay over time

Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay™ Plan**. Pay no interest* and keep your rewards, all for a small monthly fee.

Employee card controls

Set up customizable spending rules for your employees, giving you control of where, when and how their cards are used with Visa Spend Clarity.

Spend tracking

Get a clear picture of your total card spend with Spend Analysis, an online reporting tool exclusive to U.S. Bank customers.

Build business credit

U.S. Bank does not report credit card activity to the consumer credit bureaus, allowing you to keep your business and personal credit scores separate.³

$0 Intro Annual Fee View U.S. Bank Business Leverage Visa Card credit card terms and conditions.

$0 Intro Annual Fee View U.S. Bank Business Leverage Visa Card credit card terms and conditions. for the first year and $95 View U.S. Bank Business Leverage Visa Card credit card terms and conditions. thereafter. Plus, free employee cards View U.S. Bank Business Leverage Visa Card credit card terms and conditions. and no foreign transaction fees View U.S. Bank Business Leverage Visa Card credit card terms and conditions. on international inventory, supply or travel expenses.

$750 bonus offer

Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners card within the first 120 days of opening your account.⁴

View terms and conditions

Start earning
more today.

Apply now for the Leverage Visa card.

Frequently asked questions

How does the U.S Bank Business Leverage^® Visa Signature card work?

Cardmembers earn 2% cash back on their top two highest spend categories each month - automatically. Whether it's construction supplies, medical equipment, Shipping, Advertising or other items, you'll earn the most for what you use your credit card the most for. Plus, you'll earn 1% cash back on all other eligible purchases.

How do I redeem the points I've earned on my U.S. Bank Business Leverage^® Visa credit card?

Redeeming reward points is quick and convenient through the U.S. Bank online Rewards Center.

Are there point limits on my U.S. Bank Business Leverage^® Visa credit card?

There is no limit to the total points you can earn.

Does my U.S. Bank Business Leverage^® Visa credit card have an annual fee?

There is $0 Intro Annual Fee the first year. After that $95 for the Account Owner.

Is my U.S. Bank Business Leverage^® Visa Signature^® Card eligible for the Earn Mall?

Yes. Your U.S. Bank Leverage^® Card is eligible to use at the Rewards Center Earn Mall. The Earn Mall is the easiest way to earn additional points while shopping online at over 1,100 stores using your U. S. Bank credit card.

How do I use the Earn Mall with my U.S. Bank Business Leverage^® Visa Signature^® Card?

Log in at usbank.com. Click on Earn Mall in the Rewards Center and start shopping. By using the Rewards Center Earn Mall with your U.S. Bank Business Leverage^® Visa Signature^® Card, you will be able to earn more points by shopping online. Earn points on your credit card purchases and then earn additional points by shopping through the Rewards Center Earn Mall.

Is my U.S. Bank Business Leverage^® Visa Signature^® Card eligible for Real-Time Rewards?

Yes. Your U.S. Bank Business Leverage^® Visa Signature^® Credit Card is eligible for Real Time Rewards - a redemption method that enables you to instantly turn your purchases into rewards. Your mobile device can be used to immediately redeem points earned on your U.S. Bank Business Leverage card in the form of a credit to your monthly billing statement.

How do I use Real-Time Rewards with my U.S. Bank Business Leverage^® Visa Signature^® Card?

Once enrolled, redemption is quick and easy. Make a credit card purchase, and you will receive a text with the option to redeem points toward that purchase. Reply ‘REDEEM’ to complete the redemption.

You must have enough points to cover the entire purchase in order to receive the text message to redeem. Your points will be deducted from your points balance and redeemed in the form of a credit to your monthly billing statement. See Program Rules for additional details.

What is U.S. Bank ExtendPay^™?

U.S. Bank ExtendPay Plans provide a new payment option that allows you to divide eligible credit card purchases into affordable monthly payments with no interest – just a fixed monthly fee.

How will I know if I am eligible for a U.S. Bank ExtendPay^™ Plan?

If your credit card account is eligible for an ExtendPay Plan, you’ll receive a notification via email, or you’ll see ExtendPay Plan options when viewing your card account details or eligible transactions online. The only purchases eligible for an ExtendPay Plan are those that were made within 60 days prior to signing up for ExtendPay, are over $100, and are less than your purchase balance when you sign up for ExtendPay.

ExtendPay Plan eligibility may change based on your credit card account activity.

Can business cardmembers use U.S. Bank ExtendPay^™ Plan?

If your business card account is eligible for an ExtendPay Plan, you’ll receive an email notification, or you’ll see ExtendPay Plan options in your account online. Only your company’s Authorized Officers (AO) can enroll in an ExtendPay Plan. If your company’s card program is set up with central billing, ExtendPay-eligible transactions can be selected by the AO when viewing the central billing account (which includes transactions made on employee cards). For companies with individual billing, the AO can only select transactions they made on their own card account.

¹ Some exclusions apply. Please visit usbank.com/leveragecategories to see the full list of eligible merchant categories. Please see Cardmember Agreement that comes with your Card for more details. The Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits or returns. Not all transactions are eligible to earn rewards, such as advances, balance transfers and convenience checks. "Cash Back Rewards" are the rewards you earn under the program. Cash Back Rewards are tracked as Points and each point earned is equal to $0.01 when redeemed. You may simply see "Cash Back" or "Back" in marketing materials when referring to the rewards you earn. You may not redeem points, and you will immediately lose all of your points, if your account is closed to future transactions (including, but not limited to, due to program misuse, failure to pay, bankruptcy, or death). Points may be redeemed for cash back in the form of a statement credit or deposit to a U.S. Bank checking or savings account only. Points expire five years from the end of the quarter in which they are earned.
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² Cardmembers will earn four (4) additional Points above base earn for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations in the travel rewards center using your U.S. Bank Leverage Card. Prepaid car and hotel reservations in the travel rewards center are not classified as a travel category merchant transactions and are not eligible to receive additional points for that category. Please allow 1-2 statement billing cycles for your bonus points to appear on your credit card statement.
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³ Late payments or going over the credit limit may damage your credit history.
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⁴ One-time 75,000 bonus points (worth $750 cash back) will be awarded if you are approved for a new Leverage Business Rewards Card and eligible Net Purchases totaling $7,500 or more are made to the Account Owner's Card within 120 days from account opening. The Account Owner’s Card is the card assigned to the initial applicant of the account and would not include cards used by authorized employees. Net purchases are purchases minus credits and returns. Rewards are earned based on eligible net purchases. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks; upon approval, see your Cardmember Agreement for details. Please allow 6-8 weeks for your bonus points to be credited to your account. Existing and previous Business Leverage accounts do not qualify for bonus points for a similar account type. One-time bonus points do not apply toward account upgrades. Each point is worth $0.01 when redeemed. Points may be redeemed for cash back in the form of a statement credit or deposit to a U.S. Bank checking or savings account only. Points expire five years from the end of the quarter in which they are earned. Use of the Leverage Business Rewards card is subject to terms and conditions of the Leverage Business Rewards Cardmember Agreement, which may be amended from time to time. This offer may not be combined with any other bonus offer. Subject to credit approval.
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U.S. Bank Business Leverage® Visa Signature® Card