Credit Cards (US)
U.S. Bank Business Leverage® Visa Signature® Card: earn cash back
With the U.S. Bank Business Leverage® Visa Signature® you get free employee cards and can personalize the spending rules. Plus, the rewards program help you make the most out of your business purchases!
Simplify Business Expenses with the U.S. Bank Business Leverage® Visa Signature® Card!
In the fast-paced business world, having the right financial tools can make all the difference. That’s why we’ve made this full review of the U.S. Bank Business Leverage® Visa Signature® Card, which is designed to boost businesses of different scales.
Whether you’re a seasoned entrepreneur or just starting your venture, managing expenses and maximizing your financial leverage is essential for success.
- Credit Score: You’ll need a score above 690;
- Annual Fee: No annual fee in your first year; after that, cardholders pay $95;
- Intro offer: Accumulate $750 in rewards during the initial 120 days of account activation by making $7,500 in eligible purchases;
- Rewards: Earn 2% cash back on the 2 categories you spent the most every month and 1% on every dollar spent on all other purchases;
- APRs: 21.24% – 26.24% variable;
- Other Fees: This card charges a 5% fee (or $5 minimum) for cash advances and balance transfers. Expect a fee of $39 on late payments.
Discover how this card could be your ticket to a brighter financial future. This post will explore the key features, benefits, and advantages of the U.S. Bank Business Leverage® Visa Signature®.
That way, you can decide if this is the right credit card for you and your business.
U.S. Bank Business Leverage® Visa Signature® Card: What can you expect?
Not only does the U.S. Bank Business Leverage® Visa Signature® Card offer versatility for business owners, but it’s also a fantastic means to enhance your financial management and reap many advantages.
With this card, you automatically get 2% cashback on the first 2 categories you spend the most each month.
Additionally, you’ll receive a 1% cashback reward for every dollar spent on other qualifying purchases!
Plus, you can access Visa Signature exclusive benefits such as concierge service, travel discounts, and more.
You also have the option to get employee cards, free from foreign transaction fees and customizing how they’re used.
While the U.S. Bank Business Leverage® Visa Signature® Card provides an introductory bonus of no annual fee for the first year, an annual fee of $95 applies from the second year onward for cardholders.
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Do the pros outweigh the cons?
Determining whether the U.S. Bank Business Leverage® Visa Signature® Card suits your needs hinges on your business requirements and financial goals.
So, it’s crucial to carefully consider your business’s spending habits, creditworthiness, and how well the card aligns with your financial goals.
This way, you can be sure to make an informed decision.
- Earn up to 5% cash back on purchases;
- Additional $750 in rewards when you spend $7,500 within the initial 120 days;
- Introductory $0 annual fee;
- Expense Management Tools;
- Security Features;
- Customizable Payment Terms.
- It requires a good to excellent credit score;
- After the 1st year, you’ll need to pay an annual fee of $95;
- Potentially high APR, ranging from 21.24% to 26.24%.
Learn how to get the U.S. Bank Business Leverage® Visa Signature®
It’s important to note that meeting the eligibility criteria, including credit score requirements, is essential for a successful application.
Additionally, carefully review all terms and conditions, including interest rates and fees, to ensure the card aligns with your business’s financial goals and needs. Check out below on how the application process works.
First, you can start by visiting the U.S. Bank website. Next, select the “Business” option from the main menu and choose “Business credit cards.”
The process is straightforward and can be completed in just a few minutes. Scroll down until you find the U.S. Bank Business Leverage® Visa Signature® Card, and click “Apply Now.”
After that, you’ll need to complete the application online, providing information about your business.
Review the application carefully and submit the form once you’ve filled out the application. The U.S. Bank will review your information and assess your creditworthiness. It’s important to note the processing time can vary!
You may receive an answer immediately, or it may take a few days to decide. If approved, you’ll receive your new card in the mail.
Then, all you have to do is activate it by following the steps on your welcome kit!
Apply in person
You can start by checking the U.S. Bank website to find a branch or office nearby. While not always required, scheduling an appointment with a U.S. Bank representative is a good idea.
This way, you’ll ensure someone can assist you with the credit card application process.
Then, prepare the necessary documentation, such as personal identification, business documents, and financial information.
On the day of your appointment, fill out the required information on the application and ensure that you understand the card’s features. Finally, hand the completed application form back to the bank representative.
The U.S. Bank will review your application, which may include a credit check to assess your eligibility. If approved, you’ll receive your U.S. Bank Business Leverage® Visa Signature® Card in the mail.
What about a similar credit card? Check out the Ink Business Premier℠ Credit Card!
Not sure if the U.S. Bank Business Leverage® Visa Signature® Card is the ideal fit for your business? Consider the Ink Business Premier℠ Credit Card, another excellent option to optimize your business expenditures!
This exceptional credit card offers a generous 2.5% cashback on substantial purchases of $5,000 or higher! Furthermore, you’ll earn a solid 2% cashback on all other business-related expenditures.
In addition to its rewards program, this credit card offers several other benefits, such as travel perks, extended warranty, cell phone protection, and more! Check below to see the complete review!
About the author / Vinicius Barbosa
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