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

Apply now

Get 2X points on your top two spend categories each month, and 1X points 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: $3,150

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
Apply now

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

View terms and conditions

Frequently asked questions

Cardmembers earn 2% cash back on their top two highest spend categories each month - automatically. Whether it's construction supplies, medical equipment, Shipping, Advertising or other items, you'll earn the most for what you use your credit card the most for. Plus, you'll earn 1% cash back on all other eligible purchases.

Redeeming reward points is quick and convenient through the U.S. Bank online Rewards Center.

There is no limit to the total points you can earn.

There is $0 Intro Annual Fee the first year. After that $ for the Account Owner.

Yes. Your U.S. Bank Leverage® Card is eligible to use at the Rewards Center Shopping Deals. Shopping Deals is the easiest way to earn additional points while shopping online at over 1,100 stores using your U. S. Bank credit card.

Log in at usbank.com. Click on Shopping Deals in the Rewards Center and start shopping. By using the Rewards Center Shopping Deals with your U.S. Bank Business Leverage® Visa Signature® Card, you will be able to earn more points by shopping online. Earn points on your credit card purchases and then earn additional points by shopping through the Rewards Center Shopping Deals.

Yes. Your U.S. Bank Business Leverage® Visa Signature® Credit Card is eligible for Real Time Rewards - a redemption method that enables you to instantly turn your purchases into rewards. Your mobile device can be used to immediately redeem points earned on your U.S. Bank Business Leverage card in the form of a credit to your monthly billing statement.

Once enrolled, redemption is quick and easy. Make a credit card purchase, and you will receive a text with the option to redeem points toward that purchase. Reply ‘REDEEM’ to complete the redemption.

You must have enough points to cover the entire purchase in order to receive the text message to redeem. Your points will be deducted from your points balance and redeemed in the form of a credit to your monthly billing statement. See Program Rules for additional details.

U.S. Bank ExtendPay Plans provide a new payment option that allows you to divide eligible credit card purchases into affordable monthly payments with no interest – just a fixed monthly fee.

If your credit card account is eligible for an ExtendPay Plan, you’ll receive a notification via email, or you’ll see ExtendPay Plan options when viewing your card account details or eligible transactions online. The only purchases eligible for an ExtendPay Plan are those that were made within 60 days prior to signing up for ExtendPay, are over $100, and are less than your purchase balance when you sign up for ExtendPay. ExtendPay Plan eligibility may change based on your credit card account activity.

If your business card account is eligible for an ExtendPay Plan, you’ll receive an email notification, or you’ll see ExtendPay Plan options in your account online. Only your company’s Authorized Officer (AO) can enroll in an ExtendPay Plan. If your company’s card program is set up with central billing, ExtendPay eligible transactions can be selected by the AO when viewing the central billing account (which includes transactions made on employee cards). For companies with individual billing, the AO can only select transactions they made on their own card account.

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.

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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 (not past due or overlimit) 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 APR may vary. The current variable APR for Purchases and Balance Transfers is $ (based on your creditworthiness). The variable APR for Cash Advances is $. 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: 3% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay® Plan or U.S. Bank 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 up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay Plans and 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.

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  1. Points are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Please refer to your Cardmember Agreement for additional information and also visit usbank.com/leveragecategories to see a full list of eligible merchant categories. IMPORTANT CHANGE: Effective April 14, 2025, you will earn two (2) points for every $1 in eligible net purchases in the top two categories of spend each month excluding gas station, electric vehicle charging station and grocery purchases made at wholesale clubs and discount stores/supercenters such as Target and Walmart. Account must be open and in good standing (not past due or overlimit) to earn and redeem rewards and benefits. Subject to applicable law, 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, Program misuse, failure to pay, bankruptcy, or death). A purchase will not earn additional Points if the merchant's selected code is in a category that is not eligible for additional Points earning. We do not determine the category codes that merchants choose and reserve the right to determine which purchases qualify for additional Points. Points will expire five years from the end of the calendar quarter in which they were earned.

  2. Cardmembers will earn an additional 4 points (for a total of 5 points) for every $1 in eligible net purchases spent on prepaid car and hotel reservations in the Travel Rewards Center using your U.S. Bank Leverage Card. Prepaid car and hotel reservations in the Travel Rewards Center are not classified as travel merchant category transactions and are not eligible to receive additional points for that category. Please allow 1-2 statement billing cycles for your bonus points to appear on your credit card statement.

  3. One-time 75,000 bonus points 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. Rewards are earned based on eligible Net Purchases. Net Purchases are purchases minus credits and returns. 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. 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 an 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 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 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.