US Bank Business Leverage® Visa Signature® Card Review

Main advantages

Here are the benefits you get with the US Bank Business Leveraged Card.

$750 welcome bonus

This card offers a $750 bonus when you make qualifying purchases of $7,500 on the account holder’s card within the first 120 days of account opening. Compared to other offers, $750 is one of the biggest bonuses.

SEE MORE GREAT BONUSES: Best Signup Bonus Credit Cards

Up to 5% back

The US Bank Business Leverage® Visa Signature® card pays:

  • 5% back on prepaid hotels and car rentals booked directly through the Travel Rewards Center
  • 2% back in the top two categories where you spend the most each month automatically
  • 1% back on other qualifying purchases

For the 2% categories, US Bank has a list of 48 expense categories, which include advertising agencies, freight and transportation services, and various other types of expenses. Each month, you earn 2% in the two categories on this list where you spent the most.

Employee cards with customizable spending rules

You can add authorized employees to your account and get them their own employee credit cards. It doesn’t cost you extra, because there’s no charge for employee cards.

Additionally, you can use employee card controls to set up customizable spending rules. You can control where, when and how their cards are used. Almost all business credit cards offer employee cards, but it’s nice when you can limit the use of these cards as well.

Expense tracking

US Bank cardholders have access to Spend Analysis, the credit card issuer’s online reporting tool. Features include:

  • Review card spending on a monthly, quarterly, yearly, or yearly basis.
  • View expenses by total expenses, categories, etc.
  • Customize views to suit your needs, with 36 months of data available.

Building business credit

Most (but not all) business credit cards can help you build a professional credit score if you pay on time. This American bank card is one of them. US Bank reports your card activity to commercial credit bureaus, and they use this activity to calculate your business credit score.

For the most part, US Bank will not report business card activity to the consumer credit bureaus. This allows you to separate your personal and professional credit. Note that negative account activity, such as late payments or going over your credit limit, could be flagged and affect both your personal and business credit.

No foreign transaction fees

The US Bank Business Leverage® Visa Signature® card does not charge foreign transaction fees. Although it is not considered a travel credit card, it works great for any type of travel because you can use it at no additional cost.

SEE OTHER OPTIONS: Best credit cards with travel rewards