2% back

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

1% back

Earn 1% back per dollar spent on all other eligible purchases.1

Prepaid Travel

Earn 5% back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.2

Get 2% cash back on your top two spend categories each month, and 1% back on all other purchases.

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

Month 1

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

Construction materials

Earn: 2% Total Spend: $3,000

Office supply stores

Earn: 2% Total Spend: $2,800

Utility companies

Earn: 1% Total Spend: $950

Advertising firms

Earn: 1% Total Spend: $850

Gas stations

Earn: 1% Total Spend: $800

Month 2

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

Advertising firms

Earn: 2% Spent: $2,950

Utility companies

Earn: 2% Spent: $2,200

Construction materials

Earn: 1% Spent: $800

Office supply stores

Earn: 1% Spent: $750

Gas stations

Earn: 1% Spent: $750

Month 3

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

Office supply stores

Earn: 2% Spent: $3,125

Advertising firms

Earn: 2% Spent: $1,800

Construction materials

Earn: 1% Spent: $1,600

Gas stations

Earn: 1% Spent: $950

Utility companies

Earn: 1% Spent: $800

Earn even more with the Leverage Visa® business credit card

$750 bonus offer

Earn $750 in rewards 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 caps or limits on the total rewards your business can earn. Top Two bonus categories adjust automatically each month based on your spending.1

No Annual Fee

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.

Spend tracking

Get a clear picture of your total card spend with Spend Analysis, an online reporting tool exclusive to U.S. Bank customers.

Employee card controls

Set up customizable spending rules for your employees, giving you control of where, when and how their cards are used with Visa Spend Clarity.

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

Divide eligible purchases4 into equal monthly payments with no interest* during your chosen repayment period – just a small, fixed monthly fee.4

Frequently asked questions

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.

Start of disclosure content
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.

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.

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Cardmember Agreement for additional information.

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.

*The variable APR for Purchases and Balance Transfers is $ (based on your creditworthiness). The variable APR for Cash Advances is 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 5% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 5% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $0 introductory annual fee for the first 12 months, after that $95. Foreign Transaction fee: 0% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 0% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. ExtendPay Fees: A monthly fee not to exceed 1.6% of the original principal amount in an ExtendPay Plan or ExtendPay Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay Fees are calculated based upon the original principal amount, Purchase APR and other factors. When you make a payment, the amount of your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay ® Plans and U.S. Bank ExtendPay ® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to non-Fixed Payment Program balances in the order of lowest to highest APR before applying to Fixed Payment Program balances.

Start of disclosure content
  1. Some exclusions apply. Please visit usbank.com/leveragecategories to see the full list of eligible merchant categories. Please see Cardmember Agreement that comes with your Card for more details. The Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits or returns. Not all transactions are eligible to earn rewards, such as advances, balance transfers and convenience checks. "Cash Back Rewards" are the rewards you earn under the program. Cash Back Rewards are tracked as Points and each point earned is equal to $0.01 when redeemed. You may simply see "Cash Back" or "Back" in marketing materials when referring to the rewards you earn. You may not redeem points, and you will immediately lose all of your points, if your account is closed to future transactions (including, but not limited to, due to program misuse, failure to pay, bankruptcy, or death). Points may be redeemed for cash back in the form of a statement credit or deposit to a U.S. Bank checking or savings account only. Points expire five years from the end of the quarter in which they are earned.

  2. U.S. Bank Leverage Visa Signature cardmembers will earn four (4) additional Points for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations in the travel center using your U.S. Bank Leverage Card. Prepaid car and hotel reservations in the travel center are not classified as travel category merchant transactions and are not eligible to receive the additional points for that category. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. Refer to the Rewards Center for full details.

  3. One-time 75,000 bonus points (worth $750 cash back) will be awarded if you are approved for a new Leverage Business Rewards Card and 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. Not all transactions are eligible to earn rewards, such as advances, balance transfers, and convenience checks; upon approval, see your Cardmember Agreement for details. Please allow 6-8 weeks for your bonus points to be credited to your account. Existing and previous Business Leverage accounts do not qualify for bonus points for a similar account type. One-time bonus points do not apply toward account upgrades. Each point is worth $0.01 when redeemed. Points may be redeemed for cash back in the form of statement credit or deposit to a U.S. Bank checking or savings account only. Points expire five years from the end of the quarter in which they are earned. Use of the Leverage Business Rewards card is subject to terms and conditions of the Leverage Business Rewards Cardmember Agreement, which may be amended from time to time. 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 a U.S. Bank ExtendPay® Plan. All references to “you” and “your” apply to the AO. 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 U.S. Bank 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 U.S. Bank 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.