2X points

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

1X points

Earn 1X points per dollar spent on all other eligible purchases.1

Prepaid Travel

Earn 5X points on prepaid hotels and car rentals booked directly in the Travel Rewards Center when you use this card.2

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Talk to a Business Card consultant

Our Business Card consultants will explore ways to improve your purchasing power, cash flow, data security and expense management and help you choose the right card for you.

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Get 2X points on your top two spend categories each month, and 1X points on all other purchases.

Here’s an example of how your 48 spend categories could change over time

Month 1

Spent Earn Points
Top 2 categories $5,800 2X 116
All other purchases $2,600 1X 26

Construction materials

Earn: 2X Total Spend: 3,000

Office supply stores

Earn: 2X Total Spend: 2,800

Utility companies

Earn: 1X Total Spend: 950

Advertising firms

Earn: 1X Total Spend: 850

Insurance providers

Earn: 1X Total Spend: 800

Month 2

Spent Earn Points
Top 2 categories $5,150 2X 103
All other purchases $2,300 1X 23

Advertising firms

Earn: 2X Spent: 2,950

Utility companies

Earn: 2X Spent: 2,200

Construction materials

Earn: 1X Spent: 800

Office supply stores

Earn: 1X Spent: 750

Insurance providers

Earn: 1X Spent: 750

Month 3

Spent Earn Points
Top 2 categories $4,950 2X 99
All other purchases $3,350 1X 34

Office supply stores

Earn: 2X Spent: 3,150

Advertising firms

Earn: 2X Spent: 1,800

Construction materials

Earn: 1X Spent: 1,600

Insurance providers

Earn: 1X Spent: 950

Utility companies

Earn: 1X Spent: 800
Apply now

Earn even more with the Leverage Visa® business credit card

$750 bonus offer

Earn up to $750 in rewards5 when you spend $7,500 in eligible purchases on the Account Owner's card within the first 120 days of opening your account.3

No rewards limits

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

Low annual fee

$0 Intro Annual Fee for the first year and $ thereafter. Plus, free employee cards and no foreign transaction fees on international inventory, supply or travel expenses.

Pay over time with a U.S. Bank ExtendPay® Plan4

Receive a new cardmember $0 fee offer on ExtendPay Plans opened in the first 60 days after account opening. Not all accounts are eligible for ExtendPay Plans.

View terms and conditions

Need more information?

Connect with a banker to better analyze how the Leverage card or other business cards can improve your cash flow.

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Frequently asked questions

Applying for a U.S. bank business credit card is quick and easy.  In addition to questions about yourself such as your name, address, date of birth, Social Security number and personal income, you’ll be asked questions about your business. It should only take a few minutes to complete your application, but please make sure you have the following business information available before you start.

Business structure (examples; Sole-Proprietorship, Corporation, Partnership, etc.)

  • Employer Identification Number (EIN)
  • Legal business name
  • Country business was formed in
  • Year business started
  • Business physical mailing address
  • Business gross annual revenue
  • Industry type (you’ll select from a key-word search list)

Co-owners – Also known as beneficial owners, these are individuals other than potentially yourself who have at least 25% controlling and/or financial interest in the business.  We use this information to verify their identity, but it will not affect their credit.

  • Name
  • Address
  • Date of Birth
  • Social Security Number

Employee cards – You may be given the option on your application to request cards for additional employees by providing the following information for each.   We use this information to verify their identity, but it will not affect their credit.  You can also easily add or remove employee cards later if you are approved for a business card.

  • Name
  • Date of birth
  • Social Security Number/ITIN
  • Anticipated monthly spend on the card

Cardmembers earn 2X points 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 1X points on all other eligible purchases.

Redeeming reward points is quick and convenient through the U.S. Bank online Rewards Center. It’s easy to redeem your reward points toward merchandise, statement credit, deposit to a qualifying U.S. Bank account, gift cards and travel or redeem instantly with Real-Time Rewards. Point values and redemption minimums may vary over time, and will be disclosed upon redemption.5

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

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

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

Log in at usbank.com. Click on Shopping Deals in the Rewards Center and start shopping. By using the Rewards Center Shopping Deals 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 Shopping Deals.

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.

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.

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

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.

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 Officer (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.

Interested in other options?

We offer a wide range of products to suit your business needs. Whatever your business goals, we can help you achieve them.

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Disclosures

U.S. Bank offers businesses a comprehensive line of products and services, such as cash flow management, payment processing, remote deposit and much more. To learn more, visit your local U.S. Bank branch to talk with a business banker.

U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

Rewards are earned on eligible net purchases. Net Purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Please refer to your Cardmember Agreement for additional information and also visit usbank.com/leveragecategories to see a full list of eligible merchant categories. Account must be open and in good standing (not past due or overlimit) to earn and redeem rewards and benefits. Subject to applicable law, you may not redeem rewards, and you will immediately lose all of your rewards if your Account is closed to future transactions (including, but not limited to, Program misuse, failure to pay, bankruptcy, or death). Each merchant’s business is identified by a category code. A Purchase will not earn additional rewards if the category code applied to a merchant is in a category that is not eligible for additional rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which Purchases qualify for additional rewards.

The rate will end early and increase to the APR for purchases and balance transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit.

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated, and the cards are available to United States residents only. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

This page may contain links to third-party websites not controlled by U.S. Bank. U.S. Bank is not responsible for the content or any products and services offered, nor does it guarantee the system availability or accuracy of information contained in the site. Please note that the third party site may have terms of use, privacy, and information security policies that differ from those of U.S. Bank.

Offer only available online.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

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  1. You will earn 1 Point for every $1 spent in eligible Net Purchases.

    - You will earn 1 additional Point (2 points total) for every $1 spent in eligible net purchases in the top two categories of spend each month excluding gas station, electric vehicle charging station and grocery purchases made at wholesale clubs and discount stores/supercenters such as Target and Walmart.

    Points will expire five years from the end of the calendar quarter in which they were earned.

    Maximum Point value applies to Points redeemed for a deposit into an eligible U.S. Bank Account. The redemption value may be different if you choose to redeem your Points for other rewards such as travel, merchandise, gift cards, and/or statement credit. Other restrictions apply. Establishment or ownership of a U.S. Bank Account or other relationship with U.S. Bank is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program. Minimum redemption amounts may vary and are subject to change without notice.

  2. You will earn 5 Points (1 base and 4 bonus points) for every $1 spent on prepaid car and hotel reservations purchased in the Rewards Travel Center using your U.S. Bank Business Leverage Visa Signature Card instead of Points. Prepaid car and hotel reservations in the Rewards Center are not classified as a travel category merchant transaction and are not eligible to receive the additional Points for that category. Please allow 1-2 statement billing cycles for Points to appear on your credit card statement.

  3. New Credit Card Enrollment Bonus: One-time 75,000 bonus points will be awarded if 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. Please allow 6-10 weeks after you have met the spend requirement for your points to be credited to your Account. This offer may not be combined with any other bonus offer. Subject to credit approval.

  4. From time to time we may offer you the benefit of our U.S. Bank ExtendPay® Plans, which allow you to pay off balances in fixed monthly payments over time and still avoid paying interest charges on new Purchases. Only your company’s Authorized Officer (AO) may enroll in an ExtendPay Plan. All references to “you” and “your” apply to the AO. Accounts set up for which multiple billing statements are issued do not qualify. If your company’s card program is set up with central billing, the AO may select ExtendPay eligible Purchases when viewing the central billing account (which includes Purchases made on employee cards). If your company is set up with individual billing, the AO may only select Purchases made on their own card account. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases and pay in monthly installments with just a small fixed monthly fee. Only Purchase balances are eligible for ExtendPay Plans. Transactions identified as Advances or Balance Transfers (as defined in your Cardmember Agreement), and any interest or fees, including Annual Fee, do not apply. The only Purchases that will appear as "Eligible Purchases" in the enrollment process are Purchases that were made within 60 days prior to signing up for an ExtendPay Plan, are over $100, and are less than your Purchase balance when you sign up for an ExtendPay Plan. Any unpaid balance remaining on an ExtendPay Plan after the chosen pay-back period will be subject to the APR and minimum payment calculation for purchases outlined in the Cardmember Agreement. The monthly fixed fee will be determined when your ExtendPay Plan is created and is provided to you before you complete setting up an ExtendPay Plan. This fee will remain the same until the ExtendPay Plan is paid in full. The monthly fixed fee of the ExtendPay Plan is based upon the original principal amount, Purchase APR, and other factors.

  5. Maximum Point value applies to Points redeemed for a deposit into an eligible U.S. Bank Account. The redemption value may be different if you choose to redeem your Points for other rewards such as travel, merchandise, gift cards, and/or statement credit. Other restrictions apply. Establishment or ownership of a U.S. Bank Account or other relationship with U.S. Bank is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program. Minimum redemption amounts may vary and are subject to change without notice.