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Citi Simplicity Card vs U.S. Bank Business Leverage Visa Signature
Both are well-respected travel cards. The Citi Simplicity Card comes from Citi at $0/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 U.S. Bank Business Leverage Visa Signature is the stronger pick today, the sign-up bonus is meaningfully larger ($600 more in estimated value) than the Citi Simplicity Card's. Get the U.S. Bank Business Leverage Visa Signature first; revisit the Citi Simplicity Card after you've earned that bonus.
| Feature | Citi Simplicity Card | U.S. Bank Business Leverage Visa Signature |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | No welcome bonus; product is a 0% intro APR balance-transfer card with no late fees, no penalty APR, and no rewards program | 60,000 bonus points |
| Bonus value (est.) | - | $600 |
| Min spend to unlock bonus | - | $6,000 in 4 mo |
| Issuer | Citi | U.S. Bank |
| Card category | business | |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Citi Simplicity Card
$0/yr · No welcome bonus; product is a 0% intro APR balance-transfer card with no late fees, no penalty APR, and no rewards program
Read the full review
U.S. Bank Business Leverage Visa Signature
$95/yr · 60,000 bonus points
Editorial take: U.S. Bank Business Leverage Visa Signature
Common questions
- Which card has the bigger sign-up bonus, Citi Simplicity Card or U.S. Bank Business Leverage Visa Signature?
- The U.S. Bank Business Leverage Visa Signature has a public bonus (60,000 bonus points, worth roughly $600), while the Citi Simplicity Card doesn't advertise one right now.
- Is the Citi Simplicity Card's $0 annual fee worth it compared to the U.S. Bank Business Leverage Visa Signature?
- The Citi Simplicity Card has no annual fee, so the question is whether the U.S. Bank Business Leverage Visa Signature's $95 fee is justified by its perks. If you'll use enough of the U.S. Bank Business Leverage Visa Signature's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Citi Simplicity Card.
- Can I have both the Citi Simplicity Card and U.S. Bank Business Leverage Visa Signature?
- Yes, since they're from different issuers (Citi 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 Citi Simplicity Card or the U.S. Bank Business Leverage Visa Signature first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Simplicity Card: no published min spend. 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.