Earn 2X in your top 2 categories, automatically.1, 2

Plus earn an extra bonus point for every dollar spent in the first 365 days, up to 100,000.3

More rewards.

From construction materials to commercial supplies, earn bonus points in categories your company actually uses.1, 2

Less rules.

No need to choose bonus categories—they automatically adjust each month based on your spending.1, 2

No point limits.

There are no caps or limits on the total points you can earn.2

Earn 2X points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month – automatically.1, 2

Earn 1X point per dollar spent on all other eligible net purchases.1, 2

Earn an extra bonus point for every dollar spent in the first 365 days, up to 100,000.3

Flexible redemption— Redeem points for your choice of cash back, travel, gift cards and merchandise.2

Two ways to earn points— with Encore Relationship Rewards, you earn points for taking credit card payments as well as making purchases.

Your spending categories are our spending categories.

From auto rentals and advertising firms, to construction materials and commercial supplies — earn points in categories your company actually uses.

See the full list of reward categories

Start earning
more today.

Apply now

By business owners.
For business owners.

To launch our new small business credit card, we chose to collaborate with small businesses every step of the way.

Hear how business owners can benefit from the new Leverage Card.

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. We apply your payments to balances with lower APRs first.

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. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

"World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC.

©2018 U.S. Bank

Account must be open and in good standing 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.


1 Some exclusions apply. Please visit usbank.com/leveragecategories to see the full list of eligible merchant categories.
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2 Please see the Cardmember Agreement that comes with your Card for more details.  The Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. 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, due to Program misuse, failure to pay, bankruptcy, or death). Points may be redeemed for cash back in the form of a statement credit or deposit to a U.S. Bank checking or savings account only. Points expire five years from the end of the quarter in which they are earned.
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3 Earn up to an additional 100,000 bonus points. For each $1 of eligible net purchases made in the first 365 days after account opening, Accounts will earn 1 bonus point in addition to the standard amount earned, up to 100,000 bonus points. These bonus points will be awarded on your monthly billing statement. Use of the Business Leverage Card is subject to terms and conditions of the Business Leverage Cardmember Agreement, which may be amended from time to time. This offer may not be combined with any other bonus offer. Each card will earn bonus points. Offer is subject to credit approval.
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