Three Types of Points: Which One Should You Prioritize?
22 Minute Read
Learn How to Apply 
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Current Offer
$750
in rewards
when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account.
Annual Fee:
$95
$0 for your first year, then $95.
Terms Apply. | Rates & Fees.
How to Earn Rewards
2%
Earn 2% back in the top two categories where you spend the most each month automatically
1%
Earn 1% cash per dollar spent on all other eligible purchases
5%
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center
Benefits
Terms and conditions apply
Our Take
The U.S. Bank Business Leverage® Visa Signature® Card offers a flexible rewards structure designed to adapt to your business spending patterns. It automatically earns 2% cash back in your top two spending categories each month, with 1% back on all other eligible purchases. For businesses with varying expenses throughout the year, this automatic category adjustment can be particularly valuable, as you’ll always maximize rewards in your current highest-spend areas without having to think about it. The card also features enhanced 5% cash back on prepaid hotels and car rentals when booked through their Rewards Center.
While the card provides decent earning potential with no caps on total rewards and multiple redemption options including statement credits, merchandise, and travel bookings, it falls short when compared to premium business cards from competitors. Unlike cards that earn Chase Ultimate Rewards, American Express Membership Rewards, or Capital One Miles, U.S. Bank lacks transfer partners to airlines and hotels, significantly limiting the potential value for frequent business travelers. For businesses prioritizing flexibility to transfer points to travel partners for potentially higher value redemptions, alternative business credit cards with transferable points currencies would generally provide better overall value despite this card’s adaptive earning structure.