US Bank Business Leverage Credit Card

Key Takeaways

The U.S. Bank Business Leverage card offers a valuable opportunity for experienced points and miles enthusiasts who have already acquired most mainstream rewards cards. With a generous 75,000-point sign-up bonus after spending $7,500 in the first 120 days and an automatic 2x points on your top two monthly spending categories, this card provides flexibility for business owners. The first-year annual fee waiver makes it an attractive short-term addition to your wallet.

While the U.S. Bank rewards system lacks transfer partners — placing it lower in our rankings compared to Chase, American Express, and Capital One — it still allows redemptions through their travel portal, cash back, or statement credits. This card won't affect your Chase 5/24 status, making it ideal for maximizing sign-up bonuses before potentially downgrading or canceling before the second-year $0 annual fee becomes due.

How The US Bank Business Leverage Credit Card Fits In The US Bank Flex Perks Ecosystem

The U.S. Bank Business Leverage card exists within a family of business credit card options from U.S. Bank. Understanding how it compares to its siblings helps determine if it's the right choice for your specific business needs. U.S. Bank offers three other business cards worth comparing:

U.S. Bank Altitude Connect Business Card:

• Welcome offer: 60,000 points after $6,000 in purchases within 180 days
• Key benefits:
  • Same 5x on prepaid hotels and car rentals through the portal
  • 4x points on travel, gas, and EV charging stations (excluding discount stores/supercenters and wholesale clubs) on the first $150,000 in combined annual spending
  • 2x points on dining, takeout, restaurant delivery, and cell service providers
• Annual fee is waived the first year, then $95 thereafter (identical to the Leverage card)

This card may be preferable if the specific bonus categories align well with your business expenses and you don't mind tracking these categories.

U.S. Bank Business Altitude Power Card: This premium option comes with a higher annual fee of $195 but offers enhanced earning potential. It provides a 75,000-point sign-up bonus like the Leverage card but requires $10,000 in spending during the first 120 days. Its standout features include:

• 2x points on all purchases with no limit
• 2.5x points on up to $5,000 in mobile wallet purchases each quarter
• 6x points on prepaid hotels and car rentals through the portal

For businesses with high spending across many categories, this card's unlimited 2x points structure might outperform the Leverage card's top-two-categories approach.

U.S. Bank Triple Cash Rewards Card: For businesses preferring cash back over points, this no-annual-fee option offers:

• $750 cash back sign-up bonus after spending $6,000 in the first 6 months
• 3% cash back at gas stations, EV charging stations (on transactions up to $200), office supply stores, cell phone service providers, and restaurants
• 5% back on all prepaid hotel and car rentals through the portal

When choosing between these options, consider your business spending patterns, willingness to track categories, and preference for points versus cash back. The Leverage card's automatic 2x points on your top two spending categories each month makes it uniquely attractive for businesses with variable spending patterns or those who prefer simplicity over category management.