U.S. Bank announced new welcome offers for its business credit cards, the U.S. Bank Business Leverage® Visa Signature® Card and the U.S. Bank Business Platinum Card. Each card offers valuable purchasing power and benefits to assist business owners. However, they both vary in their features greatly, so be sure to read on to find out which card and bonus would benefit you more.
Select analyzed both card's benefits and features to see if they are worth a spot in your wallet, and how you can select the best business credit card for your needs.
Our best selections in your inbox. Shopping recommendations that help upgrade your life, delivered weekly. Sign-up here.
U.S. Bank introduces two new bonuses
U.S. Bank tends to be overlooked when it comes to credit cards, but its products can provide real value. The two business cards below have refreshed welcome bonuses, including a $750 welcome offer and an introductory interest free period on purchases and balance transfers.
Here's what you need to know about each card.
U.S. Bank Business Leverage® Visa Signature® Card
The U.S. Bank Business Leverage® Visa Signature® Card is geared towards business owners who want to earn cash back on business expenses. As you spend on the card, you'll earn:
- 5% back on prepaid hotels and car rentals booked directly in the Rewards Center.
- 2% back in your top 2 categories where you spend the most each month, automatically.
- 1% back on all other eligible purchases
The 2% cash back categories are automatically chosen based on your spending habits: you don't need to preselect them and they automatically adjust every month to where you spend the most. There are 48 categories where you can earn 2% cash back, including advertising and office supply stores, you can find the full list here.
And to get started, you can earn $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. Including the spending to get there, you'll earn at least $825 in cash back in the first four months. And the best part is the cash back you earn from the card is completely tax-free.
With the card, you also have access to U.S. Bank's internal buy now pay later product — U.S. Bank ExtendPay™. With eligible purchases, you can divide payments over several months with no interest charges. You'll still earn the same rewards, and only pay a small monthly fee.
Lastly, the card has a $95 annual fee, waived for the first year. All employee cards are fee-free as well, and there are no foreign transaction fees.
If you're looking for a business credit card with a large welcome bonus and flexible spending categories, the U.S. Bank Business Leverage® Visa Signature® Card is a worthy contender.
- Flexible bonus categories are uncapped
- Generous welcome bonus
- You cannot transfer points to travel partners
- No ongoing statement credits or other benefits to offset the annual fee that applies after the first year
U.S. Bank Business Platinum Card
The U.S. Bank Business Platinum Card is a solid choice for business owners who need flexible repayment terms for purchases or existing balances on other credit cards.
With this card, you'll have a 0% intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR of 16.24% - 25.24%. This is a great way to either make a large investment in your business, or transfer over existing credit card debt and pay no interest for the intro period.
In addition, the card comes with the opportunity to use U.S. Bank ExtendPay to split eligible purchases of over $100 into equal monthly payments.
The card has no annual fee.
If you're not worried about rewards, but want a business card that allows to finance some purchases interest-free, the U.S. Bank Business Platinum Card is great choice. In fact this intro APR period is currently the best among any business credit card out there.
- Generous Intro APR offer for purchases
- No rewards
- No welcome bonus
How to pick a business credit card
Business credit cards come in many shapes and sizes. Some can have modest benefits and no annual fee, all the way to having to pay close to $1,000 per year for a card with flashy features.
But, as you start analyzing different business credit cards, keep these few factors in mind:
Annual fee
There's nothing wrong with paying an annual fee for a credit card, as long as you're earning more in rewards and benefits along the way. And as a small business owner, annual fees can be written off on your taxes as a business expense.
Regardless of the write-off, it's imperative to check your budget to see if you can afford the annual fee.
Usable benefits
Some business credit cards come with a ton of features, but it's important to see through them to understand which ones are actually valuable to your operation. For example, the Business Platinum Card® from American Express has a long list of benefits for business owners, including statement credits at: Dell Technologies, Indeed, Adobe Creative Solutions and wireless phone services (enrollment required).
But if your business doesn't need any of those services, it makes it more difficult to extract value out of the card. So while more benefits are always a good thing, be sure you're being realistic about which benefits you can take advantage of. Otherwise, you could be throwing away money on annual fees for benefits you wouldn't otherwise use.
The Business Platinum Card from American Express is a premium business card loaded with statement credit offers for business services and travel that help justify its steep annual fee.
- Access to 1,550 airport lounges, including Priority Pass (Enrollment required) and Amex Centurion lounges
- Hotel and rental car elite status perks
- Earns flexible rewards you can transfer to 20+ airline and hotel loyalty programs (Enrollment required for select benefits mentioned; Benefits may be subject to auto-renewal)
- High annual fee
- Limited bonus spending categories
- Some statement credit offers are earned in small increments or only apply to purchases from a single brand
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
- See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That's up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
- See Rates & Fees
Bottom line
These two U.S. Bank business credit cards are excellent options for business owners looking to either finance upcoming purchases or earn a large welcome bonus and cash back rewards.
However, before you apply for either business card, it's best to check your credit score with a credit monitoring service to ensure you have the credit necessary to be approved for either card.
Catch up on Select's in-depth coverage of personal finance, tech and tools, wellness and more, and follow us on Facebook, Instagram and Twitter to stay up to date.
Read more
For rates and fees of The Business Platinum® Card from American Express, click here.
Information about the U.S. Bank Business Leverage® Visa Signature® Card and the U.S. Bank Business Platinum Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
