Advertiser Disclosure: Katie's Travel Tricks has partnered with CardRatings for our coverage of credit card products. Katie's Travel Tricks and CardRatings may receive a commission from card issuers. Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author's alone.
Non-Affiliate Offer

Business Leverage® Visa Signature® Card

Earns Business Leverage
Welcome Offer
$750 Bonus ($0 First Year, Then $95)

Earn up to $750 in rewards (75,000 bonus points) when you spend $7,500 in eligible purchases on the Account Owner's card within the first 120 days of opening your account. Annual fee is $0 the first year, then $95 thereafter. Best redemption value comes from depositing into an eligible U.S. Bank checking or savings account.

How to Earn Rewards
5x Points per $1 on prepaid hotels and car rentals booked directly in the U.S. Bank Travel Rewards Center
2x Points per $1 in TOP TWO CATEGORIES where you spend the most each month — AUTOMATICALLY selected from 48 eligible categories (advertising, airlines, gas stations, grocery stores, hotels, restaurants, wholesale clubs, computer stores, freight/transportation, drug stores, etc.). System adjusts monthly based on actual spending; no manual selection required. UNIQUE earning mechanic among business cards
1x Point per $1 on all other eligible purchases. NO LIMIT on total rewards earned
Key Benefits

Tap any benefit to see details.

Business Card — Does NOT Count Toward Chase 5/24
As a U.S. Bank business card, this card reports to your business credit only — not your personal credit. That's significant for readers working a Chase application strategy who are trying to stay under or get back to 5/24, since it won't add to your 5/24 count.
$0 Foreign Transaction Fees on International Purchases
No foreign transaction fees on international inventory, supply, or travel expenses. Per U.S. Bank: '0%' FTF. Different from U.S. Bank Triple Cash Business which has 3% FTF. Page captures this benefit (verbatim from U.S. Bank marketing copy).
2x on Top 2 Spending Categories — AUTOMATICALLY Each Month (48 Eligible Categories)
System automatically selects your top 2 spending categories each month from 48 eligible categories. No manual selection required, no quarterly activation, no guessing about future spending. Categories include: advertising, airlines, gas stations, grocery stores, hotels, restaurants, wholesale clubs, computer stores, freight/transportation, drug stores, and more. UNIQUE among business cards.
Free Employee Cards with Individual Spending Controls
Add cards for your employees to earn rewards for their purchases at no additional cost. Set individual spending limits via U.S. Bank Spend Management. NOTE: Only Account Owner spend counts toward welcome offer threshold.
Encore Relationship Rewards — Up to 240,000 Bonus Points Annually for Card Payment Processing
If your business uses U.S. Bank's payment solutions to process card payments from your customers, you can earn up to 240,000 bonus points annually on top of your card spending rewards, through free enrollment in the Encore Relationship Rewards program. Significant value for businesses that accept card payments.
Real Time Rewards — Instant Text-Based Point Redemption
Per U.S. Bank: Instant point redemption via SMS text messages. Make a purchase, receive a text with the option to redeem points toward that purchase. Reply 'REDEEM' to complete. Must have enough points to cover entire purchase. Same feature as Triple Cash.
U.S. Bank Spend Management — Business Expense Monitoring
Free access to U.S. Bank Spend Management platform for monitoring and managing business expenses. Includes individual employee spending limits, expense categorization, and reporting tools.
ExtendPay® Plan — Installment Financing ($0 Fee First 60 Days)
Split larger purchases into fixed monthly installments instead of variable APR. 'New cardmember $0 fee offer on ExtendPay Plans opened in the first 60 days after account opening' per U.S. Bank. Up to 50% of credit card line ($100 minimum). Useful alternative to high-APR balance financing for new cardholders.
Points Expire 5 Years from End of Quarter Earned
Points expire five years from the end of the quarter in which they are earned, unlike rewards on most other cards. This is different from the Triple Cash card, where cash rewards don't expire. Plan to redeem within 5 years of earning.
No 0% Introductory APR — Different from Triple Cash
This card has no 0% introductory APR; the standard APR is 18.99-25.99% variable. The Triple Cash card offers 12 billing cycles of 0% intro APR, so if you need financing flexibility, Triple Cash is the better choice.
Visa Signature® Business Benefits Suite
Visa Signature business benefits including auto rental collision damage waiver, travel accident insurance, lost luggage reimbursement, extended warranty protection, 24/7 concierge, Visa Signature Luxury Hotel Collection, zero liability protection.
Best Redemption Value: 1 cpp Deposit into U.S. Bank Checking/Savings
Best 1 cpp value via U.S. Bank account deposits ($50 increments). Other redemptions: 1 cpp for travel, statement credit, or gift cards, and 0.9 cpp for merchandise. A strong strategy is to pair this card with opening a U.S. Bank banking account (look for one with a banking bonus) to capture additional welcome value.
Product Change Options: Triple Cash (No AF) or Altitude Connect Business
Card can be product-changed (downgraded) to U.S. Bank Triple Cash Rewards Business ($0 AF) or Business Altitude Connect ($95 waived first year). Useful long-term holding strategy — get the welcome offer in year 1, then downgrade to no-AF Triple Cash to keep the credit history without paying $95.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

View History Hide
Offer Spend Req. Date
$750 (75K Points)Current $7,500 in 120 days Current public offer (May 2026)
$600 (60K Points) $6,000 in 120 days Alternative offer documented on U.S. Bank's own homepage; possibly seen at different times

Advertiser Disclosure

Advertiser Disclosure katiestraveltricks.com has partnered with CardRatings for our coverage of credit card products. katiestraveltricks.com and CardRatings may receive a commission from our partners. American Express is a katiestraveltricks.com advertiser. We may earn compensation when you click on a link, when an application is approved, or when an account is opened. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. For Capital One products listed on this page, some benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Editorial Disclosure Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. This content has not been provided or commissioned by any bank advertiser.

User Generated Content (UGC) Disclosure Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Points for normal people.

Advertiser and Editorial Disclosure
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