U.S. Bank Business Leverage Visa Signature Card
$95 annual fee · 1x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Category of your choice (you pick) | 2x | uncapped |
| Category of your choice (you pick) | 2x | uncapped |
| Everything else | 1x | uncapped |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
5x | uncapped |
Non-cash perks
- 0% intro APR for 12 billing cycles on purchases and balance transfers
- U.S. Bank Spend Management platform
- U.S. Bank ExtendPay Plans
- Real-Time Rewards
- Free employee cards
- Points expire 5 years from the end of the calendar quarter in which they were earned (different expiration rule than most other U.S. Bank cards, which expire after 12 months of account inactivity)
Does the fee earn out? · how we got this
The $95 fee minus $0 in printed credits leaves $95/yr to earn back through rewards — roughly $9,500 of spending at the base rate (valuing U.S. Bank points at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.
Is this $95 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who doesn't spend at the issuer's travel portal. Its largest printed rate, 5x on issuer travel portal, pays only at the issuer's travel portal. Elsewhere in that category the card earns 5x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
Comparing cards in the same currency? See the best cards that earn U.S. Bank points →
More from U.S. Bank
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-08 against issuer terms · sources: www.usbank.com. Spot an error? Tell us.