US Bank Business Leverage Business Credit Card Review

Note: If you’re not familiar with business credit cards, we recommend reading this first: Introduction to Business Credit Cards

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Full review

U.S. Bank Leverage Business

A great one-year keeper with excellent value!

  • Welcome bonus: $750 (Spend $750 within 120 days)
  • Rewards: 5% on select hotels and car rentals; 2% in your top two spending categories; 1% on everything else
  • Redemption: Cash back
  • Annual fee: $95（$0 annual fee for the first year）
  • Apply now>>

Benefits Analysis

  • 2% cash back in your top two spending categories: Eligible categories include advertising, airfare, hotels, department stores, wholesale stores, electronics stores, and more, with 48 categories in total. See the official category list for details.
  • 5% on hotels and car rentals: Bookings must be made through the US Bank Rewards Center.

My Take

This card’s 2% cash back in your highest-spending categories is pretty good, but unfortunately it has an annual fee, which significantly reduces its long-term value. After all, the personal Double Cash card earns 2% cash back directly and has no annual fee. That said, with the first-year annual fee waived and a $750 welcome bonus, it’s still a solid card to keep for one year and earn the bonus.

Application

  • US Bank application status check link. Or call: 800-947-1444
  • When you apply, US Bank may check the two smaller credit bureaus SageStream & ARS credit reports, so you may consider freezing them before applying
  • You can only earn the welcome bonus on the same US Bank credit card once
  • You can call the reconsideration line (800-947-1444) to speed up the credit card approval process or to have a denied application reviewed again.
  • US Bank is relatively sensitive to HPs and new accounts. Having a US Bank Checking account can help with getting approved for a credit card
  • More about applying for US Bank credit cards

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