Table of Contents
The U.S Bank Business Visa Signature® Card Review 2022 offers a number of perks for those who are looking to make the most of their everyday spending habits and get rewarded in return.
The “u.s. bank business leverage card benefits” is a credit card that offers a cash back rewards program and other perks to users. The card also has a low interest rate, which is an advantage for those who carry a balance on their account.
You may earn 2x points on qualifying purchases made in the top two categories where you spend the most each month with the Visa Signature® Card from US Bank Business Leverage®. This small company credit card has no annual charge for the first year and comes with a $750 Bonus for new customers if you achieve certain spending restrictions.
Visa Signature® Card from US Bank Business Leverage®
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
Expenses that fluctuate from one month to the next
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On the secure website of US Bank
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APR on a regular basis
Variable 16.49 percent
a yearly fee
No a yearly fee for the first year, $95 thereafter
- Earn 75,000 points, which is worth $750 in cash. Simply spend $7,500 on the Account Owner’s Card in qualifying net purchases during the first four months after account creation.
- Automatically earn 2X points per dollar spent on qualifying net purchases in the top two categories where you spend the most each month.
- On all other qualified net purchases, earn 1X points every dollar spent.
- There are no restrictions on the overall number of points you may earn.
- When you connect your card to your U.S. Bank payment processing account, you may earn even more points. Only U.S. Bank pays you for making purchases as well as accepting payments. Visit usbrelationshiprewards.com for more information.
- Employee cards are available at no cost.
Pros
- Ongoing personalized rewards
- Sign-up bonus is substantial.
- Points are awarded indefinitely.
Cons
- Excellent credit is required.
- There is no preamble. APR is zero percent.
- Rewards have a time limit.
- Protection under the Extended Warranty: For warranties of three years or less, the issuer will double the original manufacturer’s guarantee up to an extra year. The maximum amount of coverage is $10,000 per item.
- Purchase protection: Provides coverage for things damaged or stolen within 90 days after purchase. The maximum amount of coverage is $500 per claim and $50,000 per cardholder every year.
APR on a regular basis
Variable 16.49 percent
a yearly fee
No a yearly fee for the first year, $95 thereafter
- Earn 75,000 points, which is worth $750 in cash. Simply spend $7,500 on the Account Owner’s Card in qualifying net purchases during the first four months after account creation.
- Automatically earn 2X points per dollar spent on qualifying net purchases in the top two categories where you spend the most each month.
- On all other qualified net purchases, earn 1X points every dollar spent.
- There are no restrictions on the overall number of points you may earn.
- When you connect your card to your U.S. Bank payment processing account, you may earn even more points. Only U.S. Bank pays you for making purchases as well as accepting payments. Visit usbrelationshiprewards.com for more information.
- Employee cards are available at no cost.
Pros
- Ongoing personalized rewards
- Sign-up bonus is substantial.
- Points are awarded indefinitely.
Cons
- Excellent credit is required.
- There is no preamble. APR is zero percent.
- Rewards have a time limit.
- Protection under the Extended Warranty: For warranties of three years or less, the issuer will double the original manufacturer’s guarantee up to an extra year. The maximum amount of coverage is $10,000 per item.
- Purchase protection: Provides coverage for things damaged or stolen within 90 days after purchase. The maximum amount of coverage is $500 per claim and $50,000 per cardholder every year.
Do you wish to compare the characteristics of two cards? We’ve made it simple for you to do so by allowing you to check off up to three cards on this page and adding them to your basket. You’ll be able to compare the information in a side-by-side comparison this way.
How Do We Assess Business Credit Cards With Points?
When grading points rewards business credit cards like the Visa Signature® Card from US Bank Business Leverage®, we consider both ongoing and introductory rewards first. We also consider the a yearly fee, introductory and ongoing annual percentage rates (APRs), and other card benefits.
Who the Visa Signature® Card from US Bank Business Leverage® Is Best For
- Business owners with expenses in several categories: The Visa Signature® Card from US Bank Business Leverage® offers ongoing rewards in 48 eligible categories and lets you earn 2x points per dollar spent in the top two categories where you spend most.
- Business owners who need employee credit cards: The Visa Signature® Card from US Bank Business Leverage® offers Employee cards are available at no cost. with no a yearly fee.
- Owners of businesses that want to get cash back: On purchases in the top two categories where you spend the most money every month, you’ll earn 2% cash back. Additionally, on prepaid hotels and auto rentals booked directly via the Travel Rewards Center, you may get 5% cash back.
Visa Signature® Card from US Bank Business Leverage® Fees
- APR for the first time: None
- Ongoing Annual Percentage Rate (APR): 15.99 percent to 20.99 percent variable, based on prime rate.
- APR on cash advances is 25.99 percent.
- Fee for cash advances is 5% of the advance amount or $15 minimum, whichever is larger.
- Fee for convenience checks: 5% of each check’s value or $5 minimum, whichever is larger.
- Fee for cash equivalents: 5% of each cash amount or a minimum of $15, whichever is larger.
- a yearly fee: None for the first year—$95 thereafter
- Fee for balance transfers is 5% of the transfer amount or $5, whichever is larger.
- $2 is the minimum interest charge.
- Payments that are late or returned are charged a fee of $39 each.
- Fees for international transactions: none
Visa Signature® Card from US Bank Business Leverage® Rewards
- When you book prepaid hotels and vehicle rentals via the Travel Rewards Center, you get 5X points.
- 2X points on qualified net purchases in the top two monthly spending categories.
- All other qualified purchases will earn you 1X points.
- If your net purchases reach $7,500 or more during the first 120 days after starting an account, you’ll earn a one-time 75,000 bonus points award.
You can redeem your rewards as a statement credit or deposit them into your U.S. Bank business checking, savings, or money market account ($50 minimum deposit). You can also redeem them for tickets on more than 150 airlines (with no blackout dates) or as gift cards from hundreds of retailers. While you can accumulate Points are awarded indefinitely., they’ll expire five years from the date they were earned.
How to Make Payments on the Visa Signature® Card from US Bank Business Leverage®
- You may pay your credit card bills at any ATM operated by US Bank.
- Mail: Use the following addresses to send a check or money order through normal mail or overnight delivery:
- You may pay your bill using online banking at usbank.com.
- Cardholders may also use the U.S. Bank mobile app, which is available on the App Store and Google Play, to pay their credit card bills.
- Phone: Dial the number on the back of your card or (800) 285-8585 to reach us.
- Third-party payment methods: U.S. Bank accepts a variety of third-party payment methods, including bill pay, wire transfers, and others.
Visa Signature® Card from US Bank Business Leverage® Features
Collision Damage Waiver for Car Rentals
You can receive auto rental coverage when you charge your entire rental amount to your Visa Signature® Card from US Bank Business Leverage® and decline the extra collision insurance (or loss damage waiver) from the rental company. You’re also covered if your rental car is damaged or stolen while traveling (specific terms and conditions may apply).
Security Purchase
Items purchased with your Visa Signature® Card from US Bank Business Leverage® are protected in cases of theft or damage for the first 90 days from the date of purchase. Security Purchase will replace, repair, or reimburse you for eligible items that were purchased with your credit card. Note that specific terms, conditions, and exclusions may apply.
Protection under the Extended Warranty
For eligible items purchased with the card, Visa Signature® Card from US Bank Business Leverage® will double the time of the original manufacturer’s warranty up to one additional year on warranties of three years or less (up to a maximum of $10,000 per claim).
Insurance for Travel Accidents
You’ll receive automatic accidental death and dismemberment insurance for both you and your family for trips purchased with the Visa Signature® Card from US Bank Business Leverage®. Specific terms, restrictions, and exclusions may apply.
Services for travel and emergency assistance
When you’re away from home, you can relax knowing that you’ll have access to a comprehensive selection of emergency services 24 hours a day. When you need medical, legal, or travel assistance, you can receive it. Please keep in mind that any services given will be at your expense.
Dispatch at the Roadside
By dialing (800) VISA-TOW or (800) 847-2869, cardholders may access emergency roadside help, including towing, fuel delivery, and more. Service fees are the responsibility of cardholders, and special terms, restrictions, and exclusions may apply.
Visa SavingsEdge® is a program that allows you to save money with your Visa card
This free service enables you to save up to 15% on business purchases made at partner retailers. These savings will reflect on your account statement as automatic credits.
The Visa Signature® Luxury Hotel Collection is a collection of hotels that accept Visa Signature®.
Booking through the Visa Signature Luxury Hotel Collection site with your Visa Signature® Card from US Bank Business Leverage® lets you enjoy a unique set of VIP perks at select luxury hotels worldwide, such as a $25 food or beverage credit, room upgrade upon arrival (if available), and much more.
Pros & Cons of the Visa Signature® Card from US Bank Business Leverage®
Visa Signature® Card from US Bank Business Leverage® Alternatives
Chase Ink Business Unlimited® is a trademark of Chase Ink.
The Chase Ink Business Unlimited® is a trademark of Chase Ink. is our choice for both best overall small business credit card and best card for new businesses with no credit history, as it offers straightforward cash back rewards with a fixed rate of 1.5% for every $1 spent on any business purchase. Like the Visa Signature® Card from US Bank Business Leverage®, it doesn’t limit the amount of cash back you can earn. You can also redeem rewards either as a statement credit or towards gift cards, travel, or Apple® products.
Credit Card Ink Business Unlimited®
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
Getting 1.5 percent cash back on each and every transaction
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Chase’s Protected Website
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Intro APR
On purchases, there is a 0% introductory APR.
APR on a regular basis
Variable 13.24 percent – 19.24 percent
- After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
- Earn an unlimited amount of 1.5 percent cash back on all purchases made for your company.
- No a yearly fee
- With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
- Employee cards allow you to earn rewards quicker and at no extra expense. To get more control over your spending, set specific spending limitations.
- Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
- You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
- On purchases, there is a 0% introductory APR for the first 12 months.
Pros
- On purchases, there is a 0% introductory APR.
- On all purchases, you’ll get unlimited cash back incentives.
Cons
- Balance transfers are not eligible for the introductory APR period.
- Balance transfer fees are 5%.
- Charges fees for international transactions.
- Excellent credit is required. to qualify
- Collision Damage Waiver for Car Rentals: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
- Purchase protection: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year.
- Protection under the Extended Warranty: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less
Intro APR
On purchases, there is a 0% introductory APR.
APR on a regular basis
Variable 13.24 percent – 19.24 percent
Credit is required.
Good, Excellent
- After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
- Earn an unlimited amount of 1.5 percent cash back on all purchases made for your company.
- No a yearly fee
- With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
- Employee cards allow you to earn rewards quicker and at no extra expense. To get more control over your spending, set specific spending limitations.
- Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
- You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
- On purchases, there is a 0% introductory APR for the first 12 months.
Pros
- On purchases, there is a 0% introductory APR.
- On all purchases, you’ll get unlimited cash back incentives.
Cons
- Balance transfers are not eligible for the introductory APR period.
- Balance transfer fees are 5%.
- Charges fees for international transactions.
- Excellent credit is required. to qualify
- Collision Damage Waiver for Car Rentals: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
- Purchase protection: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year.
- Protection under the Extended Warranty: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less
Capital One® Spark® Business Miles
The Capital One® Spark® Business Miles is a great card to consider if you travel frequently for business. This credit card is our pick for the best business card for travel and best overall business credit card for miles because you can earn 2x miles on every business purchase you make. Within the first three months of account opening, you can earn 50,000 miles―equal to $500 in travel―after spending $4,500.
Capital One® Spark® Business Miles
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
Every swipe earns you 2x miles.
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on Capital One® Spark® Business Miles’s secure website.
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APR on a regular basis
20% (20.99%) (Variable)
a yearly fee
For the first year, there is no charge; after that, it is $95 each year.
Credit is required.
Excellent, Good
- After spending $4,500 in the first three months, you’ll get a $500 trip incentive.
- 2 kilometers for every $1 invested
- Employee cards may be distributed for free.
Pros
- There are no costs for international transactions.
- Credit for TSA Pre® or Global Entry application fees
Cons
- You’ll pay an a yearly fee after the first year
- Doesn’t provide interest-free credit.
- Once every four years, you’ll get a $100 statement credit for Global Entry or a $85 statement credit for TSA Pre® airport security screening.
- Most purchases bought solely with your card are protected if they are destroyed or stolen within 90 days of the purchase date. The amount of coverage is capped at $10,000 per claim and $50,000 per cardholder account per year.
- On most things you buy, extended warranty coverage doubles the original guarantee duration and duplicates the coverage of the original manufacturer’s warranty for a maximum of 12 months.
- Medical referrals if you have a medical emergency while traveling: If you suffer a medical emergency while traveling, provide recommendations to medical assistance. If you’re 100 miles or more from home, you’re protected from the time you depart until midnight on the 60th day of your vacation, or until you return to your home city, whichever comes first.
APR on a regular basis
20% (20.99%) (Variable)
a yearly fee
For the first year, there is no charge; after that, it is $95 each year.
Credit is required.
Excellent, Good
- After spending $4,500 in the first three months, you’ll get a $500 trip incentive.
- 2 kilometers for every $1 invested
- Employee cards may be distributed for free.
Pros
- There are no costs for international transactions.
- Credit for TSA Pre® or Global Entry application fees
Cons
- You’ll pay an a yearly fee after the first year
- Doesn’t provide interest-free credit.
- Once every four years, you’ll get a $100 statement credit for Global Entry or a $85 statement credit for TSA Pre® airport security screening.
- Most purchases bought solely with your card are protected if they are destroyed or stolen within 90 days of the purchase date. The amount of coverage is capped at $10,000 per claim and $50,000 per cardholder account per year.
- On most things you buy, extended warranty coverage doubles the original guarantee duration and duplicates the coverage of the original manufacturer’s warranty for a maximum of 12 months.
- Medical referrals if you have a medical emergency while traveling: If you suffer a medical emergency while traveling, provide recommendations to medical assistance. If you’re 100 miles or more from home, you’re protected from the time you depart until midnight on the 60th day of your vacation, or until you return to your home city, whichever comes first.
Blue Business CashTM from American Express
The Blue Business CashTM from American Express card offers 2% cash back on all eligible purchases of up to $50,000 every calendar year, then 1% cash back after that. No minimum reward is needed to redeem it, and cash back is credited automatically to your account. This card is our top choice for the best cash back business credit card and one of our picks for the best business credit cards for nonprofits.
The American Express Blue Business CashTM Card is a credit card issued by American Express.
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
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on The American Express Blue Business CashTM Card is a credit card issued by American Express.’s secure website.
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Intro APR
Purchases are tax-free.
APR on a regular basis
Variable 13.49 percent – 21.49 percent
Credit is required.
Good, Excellent
- After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
- Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
- Your company is continuously evolving, from workflow to inventory to floor layouts. As a result, with Expanded Buying Power, you have the ability to spend over your credit limit.
- Always keep in mind that the amount you may spend above your credit limit is restricted. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
- 0.On purchases, there is a 0% introductory APR. for 12 months from the date of account opening, then a variable rate, 13.49% – 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
- No a yearly fee
- Terms and Conditions apply.
Pros
- Introductory APR of 0%
- Bonus for new customers
- Rewards at a certain rate
- No a yearly fee
Cons
- It is not possible to get a cash advance.
- Charges fees for international transactions.
- A total of $50,000 in yearly expenditure is restricted at 2% cash back.
- Expanded purchasing power: Take advantage of increased purchasing power when your company need it. Increased purchasing power allows you to go above and beyond your credit limit, allowing you to get more work done. While the amount you can spend above your credit limit isn’t limitless, it varies depending on how you use the card, your payment history, credit history, financial resources that we know about, and other criteria.
- Car rental loss and damage insurance: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.
Intro APR
Purchases are tax-free.
APR on a regular basis
Variable 13.49 percent – 21.49 percent
Credit is required.
Good, Excellent
- After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
- Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
- Your company is continuously evolving, from workflow to inventory to floor layouts. As a result, with Expanded Buying Power, you have the ability to spend over your credit limit.
- Always keep in mind that the amount you may spend above your credit limit is restricted. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
- 0.On purchases, there is a 0% introductory APR. for 12 months from the date of account opening, then a variable rate, 13.49% – 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
- No a yearly fee
- Terms and Conditions apply.
Pros
- Introductory APR of 0%
- Bonus for new customers
- Rewards at a certain rate
- No a yearly fee
Cons
- It is not possible to get a cash advance.
- Charges fees for international transactions.
- A total of $50,000 in yearly expenditure is restricted at 2% cash back.
- Expanded purchasing power: Take advantage of increased purchasing power when your company need it. Increased purchasing power allows you to go above and beyond your credit limit, allowing you to get more work done. While the amount you can spend above your credit limit isn’t limitless, it varies depending on how you use the card, your payment history, credit history, financial resources that we know about, and other criteria.
- Car rental loss and damage insurance: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.
Conclusion
The Visa Signature® Card from US Bank Business Leverage® offers rewards in various spending categories at a low a yearly fee. It also provides automatic bonus points in the top two categories that you spend in each month.
Check out our Credit Card Marketplace to see if there are any other cards that would be a better match for your company’s requirements.
The “u.s. bank business platinum card credit limit” is a credit card that offers 0% on purchases and balance transfers for the first 12 months, as well as an introductory APR of 0%.
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