Rating: 5 Stars
Bottom Line:
Rewards That Fit Your Business Spending
TABLE OF CONTENTS
Card Details
| Regular APR: | 18.49% (Variable) |
| Intro APR (Purchases): | None |
| Intro APR (Balance transfers): | None |
| Rewards Rate: | Earn 2X points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month ? automatically Earn 1X point per dollar spent on all other eligible net purchases Earn an extra bonus point for every dollar spent on eligible net purchases in the first 365 days, up to 100,000 |
| Credit Needed: | (740 – 850) Excellent |
| Annual Fee: | None for first 12 months, then $95 |
| Card Brand: | Visa |
*See online credit card application for details on the terms and conditions.
Offer Highlights
- Click APPLY NOW to apply online
- Earn 2X points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month – automatically
- Earn 1X point per dollar spent on all other eligible net purchases
- Earn an extra bonus point for every dollar spent on eligible net purchases in the first 365 days, up to 100,000
- Two ways to earn points – with Encore Relationship Rewards, you earn points for taking credit card payments as well as making purchases
Is U.S. Bank Business Leverage Visa Signature worth it?
U.S. Bank Business Leverage Visa Signature is a great card for business owners who want simple rewards that fit their spending. Cardholders earn 2X points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month – automatically. The categories can change month-to-month.
During the first year, you earn an extra point per $1, up to 100,000, giving you 3% rewards in your two most valuable categories. You can even get cash back on receiving payments for your business using Encore Relationship Rewards, up to a monthly cap of $240. You will need to apply for a U.S. Bank payment solutions account and register for Encore Relationship Rewards.
If you?re looking for a rewards card that won’t make you change your spending habits to get value out of it, U.S. Bank Business Leverage Visa Signature is a great card for you.
Pros
- Earn 2X points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month – automatically
- Earn an extra bonus point for every dollar spent on eligible net purchases in the first 365 days, up to 100,000
- Free employee cards
- Visa Signature Benefits
Cons
- $95 annual fee at start of second year
Why 5 Stars?
Regular APR
5 Stars
Intro APR
4 Stars
Fees
4 Stars
Perks
5 Stars
Overall
5 Stars
Fees
| Foreign Transaction Fee | 2% |
| Balance Transfer Fee | An introductory fee of either 5% of the amount of each transfer or $5 minimum, whichever is greater for balances transferred with this application. After that, either 3% of the amount of each transfer or $5 minimum, whichever is greater |
| Cash Advance Fee | Either 5% of the amount of each advance or $15 minimum, whichever is greater |
| Penalty APR | 29.99% |
Benefits
| $0 Fraud Liability |
| Auto Rental Collision Damage Waiver |
| Baggage Delay Reimbursement |
| Concierge Service |
| Emergency Card Replacement |
| Emergency Cash Disbursement |
| Extended Warranty Protection |
| Lost Luggage Reimbursement |
| Travel Accident Insurance |
| Price Protection |
| Purchase Protection |
| Return Protection |
| Roadside Dispatch |
| Travel and Emergency Assistance |
| Trip Cancellation/Trip Interruption Reimbursement |
| Trip Delay Reimbursement |
Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.
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