VisaU.S. Bank Business Leverage Visa Signature
It watches your spending and bonuses your top two categories automatically.
Welcome Bonus
75,000
≈$750 value
Spend Requirement
$7,500
in 4 months
Annual Fee
$95
No FTF
Credit Score
700+
(Good-Excellent)
Current offer note: Up to $750 in rewards
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xPrepaid hotels and car rentals booked in the US Bank travel center
- 2xYour top two spend categories each month, assigned automatically
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No category enrollment, the card adapts monthly on its own
- ✦Free employee cards
- ✦No foreign transaction fee
Why it earns its spot
- +Automatic 2x categories require zero management
- +First year fee waived with a solid $750 bonus
Where it costs you
- −2x top categories is what flat rate cards give on everything
- −$95 fee from year two is hard to justify against free 2% cards
The Compound Verdict
The auto adjusting categories are a clever answer to a question most businesses solved with a flat 2% card. It earns well only if your spend concentrates in two categories and you value not thinking about it. Grab the bonus in the free first year, then reassess honestly.
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