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United Club Business Card vs U.S. Bank Business Leverage Visa Signature

Both are business travel cards. The United Club Business Card comes from Chase at $695/yr; the U.S. Bank Business Leverage Visa Signature from U.S. Bank at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the United Club Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($900 more in estimated value) than the U.S. Bank Business Leverage Visa Signature's. Get the United Club Business Card first; revisit the U.S. Bank Business Leverage Visa Signature after you've earned that bonus.

FeatureUnited Club Business CardU.S. Bank Business Leverage Visa Signature
Annual fee$695$95
Sign-up bonus100,000 miles + 2,000 PQP60,000 bonus points
Bonus value (est.)$1,500$600
Min spend to unlock bonus$5,000 in 3 mo$6,000 in 4 mo
IssuerChaseU.S. Bank
Card categorybusinessbusiness
Best earning category (Renowned_hotels_chase_travel)5x1x
Transfer partnersNoneNone
Headline benefits
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
    Read the full review
    United Club Business Card
    $695/yr · 100,000 miles + 2,000 PQP
    Read the full review
    U.S. Bank Business Leverage Visa Signature
    $95/yr · 60,000 bonus points

    Editorial take: United Club Business Card

    Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.

    Editorial take: U.S. Bank Business Leverage Visa Signature

    Common questions

    Which card has the bigger sign-up bonus, United Club Business Card or U.S. Bank Business Leverage Visa Signature?
    The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus 60,000 bonus points (~$600) on the U.S. Bank Business Leverage Visa Signature.
    Is the United Club Business Card's $695 annual fee worth it compared to the U.S. Bank Business Leverage Visa Signature?
    Premium cards like the United Club Business Card ($695/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $695+ of those credits, the math works. The U.S. Bank Business Leverage Visa Signature at $95/yr trades some perks for a lower commitment.
    Can I have both the United Club Business Card and U.S. Bank Business Leverage Visa Signature?
    Yes, since they're from different issuers (Chase and U.S. Bank) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
    Should I get the United Club Business Card or the U.S. Bank Business Leverage Visa Signature first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. United Club Business Card: $5,000 spend in 3 months. U.S. Bank Business Leverage Visa Signature: $6,000 in 4 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

    Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.