US Bank
US Bank Business Leverage Benefits, Credits & Annual Fee
$95 / yr (waived year 1)
A business rewards card that automatically earns 2x points in your top two spending categories each month, plus 5x on prepaid travel booked through the Travel Center. Best for small business owners with shifting expenses who want flexible, hands-off rewards optimization.
- 5%Top Eligible Spend Category up to $200 +1
- 5%Top Spending Category
- 5xTravel
- $100Software Service
- $25Rideshare Service
$125/yr in credits · $95 annual fee
Maintained by Creddy Editorial · Catalog checked Oct 9, 2026
US Bank Business Leverage at a Glance: $95 Annual Fee, Issuer and Rewards
- Annual fee:
- $95 / yr (waived year 1)
- Issuer:
- US Bank
- Credits:
- 2 recurring, up to $125 a year
US Bank Business Leverage Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Travel general | 4x | Portal bookings only |
| Dining | 2x | |
| Everything else | 1x |
Who Should Get the US Bank Business Leverage?
The US Bank Business Leverage fits people who spend most on dining (2x). Its $95 annual fee makes sense if the $125 a year in credits Creddy lists, plus what you earn, covers it with credits you would use anyway. It is a business card.
Is the US Bank Business Leverage Worth the $95 Annual Fee?
The US Bank Business Leverage costs $95 a year. Creddy lists 2 trackable credits worth up to $125 a year if you use every one, $30 more than the fee. You break even once you use about 76% of that credit value, so count only the credits you would use anyway.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
US Bank Business Leverage Welcome Bonus
60,000 bonus points
Offer history
Lower than usual- Usual
- 75K points
- Highest seen
- 75K points
Tracked since Oct 2024
US Bank Business Leverage Statement Credits and When They Reset
- Rideshare Service Credit$25Trackable
Get a $25 statement credit for using rideshare services. Make at least one rideshare purchase each month for 3 consecutive months with your card. The credit is applied after you meet the three-month streak.
Checked Oct 9, 2026 - Software Service Credit$100 / yrTrackable
Get a $100 statement credit for eligible software service purchases. Make a purchase every month for 11 consecutive months, paying the software provider directly. The credit posts within 1-2 billing cycles and can be earned once per 12-month period.
Resets: Rolling 12 monthsChecked Oct 9, 2026
More US Bank Business Leverage Card Benefits
Bonus Earnings
- Up to 3.5% Total Cash Back with Qualifying Balances (Business Essentials Plus)3.5%
Boost your cash back to as much as 3.5% total when you keep qualifying balances with U.S. Bank. The top 3.5% rate requires $150,000 or more in qualifying balances. Lower balance tiers earn smaller boosts.
Checked Oct 9, 2026 - 5% Cash Back on Top Eligible Spend Category up to $200,000 Annually5%
Earn 5% cash back on your top eligible spending category each month, chosen automatically. The 5% rate applies to up to $200,000 in spending per year. Purchases beyond that limit earn the standard rate.
Checked Oct 9, 2026 - 5% Cash Back on Top Spending Category (Business Essentials Plus)5%
Earn 5% cash back on the category where your business spends the most. Your top category is picked automatically, so there's nothing to activate. Spending in other categories earns your card's regular rate.
Checked Oct 9, 2026 - 5X Points on Prepaid Hotels and Car Rentals in Travel Center4 pts / yr
Earn 4X points on travel, including airfare and hotels, plus gas and EV charging stations. Just pay with your Business Altitude Connect card. The 4X rate applies to up to $150,000 in combined annual spending.
Checked Oct 9, 2026 - 2X Points on Top Two Spend Categories2x points
Earn 2X points in the two categories where you spend the most each month. The card tracks your spending automatically and applies the bonus rate - no activation or category selection needed. Categories are evaluated monthly, so your 2X categories can shift as your spending changes.
Checked Sep 14, 2026 - 1X Point on All Other Eligible Purchases1x points
Earn 1 point per dollar on every eligible purchase that doesn't fall into your top two monthly spend categories. This base rate applies automatically across all other spending with no caps or category restrictions.
Checked Sep 14, 2026
Purchase Protection
- Purchase Security
Covers eligible items you buy with your card if they're stolen or damaged. Just pay with your card to be protected, then file a claim if something happens. Only eligible items qualify, and coverage terms apply.
Checked Oct 9, 2026
Fees & Miscellaneous
- Flexible Rewards Redemption
Redeem your points for merchandise, statement credits, deposits to a qualifying U.S. Bank account, gift cards, or travel. Choose an option in the U.S. Bank online Rewards Center, or use Real-Time Rewards for qualifying purchases. Account deposits require a qualifying U.S. Bank account.
Checked Oct 7, 2026 - Foreign Transaction Fee3% / yr
A 3% fee applies to each purchase made outside the U.S. or in a foreign currency.
Checked Oct 9, 2026 - Free Employee Cards
Add employee cards to your Business Leverage account at no additional annual fee.
Checked Sep 14, 2026 - Introductory Annual Fee Waiver$95
$0 intro annual fee for the first year, then $95 thereafter.
Checked Oct 7, 2026 - No Foreign Currency Conversion Fees
When you make purchases outside the U.S., no foreign currency conversion fee is charged to your account. The waiver is automatic - nothing to activate or request. Note that any fees imposed by third parties or ATMs are separate and may still apply.
Checked Jul 4, 2026
US Bank Business Leverage vs Other US Bank Cards
- US Bank Business Altitude Connect$95 / yr (waived year 1)
- Korean Air Skypass Business$99 / yr
- US Bank Business Triple Cash RewardsNo annual fee
- US Bank Business Altitude Power$195 / yr
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US Bank Business Leverage FAQs
Is the U.S. Bank Business Leverage Card worth the annual fee?
Compare US Bank Business Leverage's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits can Creddy track for US Bank Business Leverage?
Creddy's September 26, 2026 catalog check found no trackable benefit records for US Bank Business Leverage. That describes Creddy's tracking coverage, not the card's full rewards, insurance or issuer benefits. Review the earning tables and the exact issuer terms for those separate features.
What is the annual fee for the U.S. Bank Business Leverage Card?
Creddy's catalog lists a $95 annual fee for US Bank Business Leverage as checked on September 26, 2026. The catalog marks the first-year fee as waived; confirm the offer you receive. Confirm current pricing and any additional-card fees with US Bank before applying or renewing.
Does the U.S. Bank Business Leverage Card come with a welcome bonus?
Welcome offers for US Bank Business Leverage can change and may depend on your application or account history. Check US Bank's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the U.S. Bank Business Leverage Card?
US Bank Business Leverage may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the U.S. Bank Business Leverage Card compare to other U.S. Bank cards?
Compare US Bank Business Leverage with other US Bank cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.