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U.S. Bank Business Leverage Visa Signature vs USAA Rewards American Express
Both are well-respected travel cards. The U.S. Bank Business Leverage Visa Signature comes from U.S. Bank at $95/yr; the USAA Rewards American Express from USAA at $0/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 ($575 more in estimated value) than the USAA Rewards American Express's. Get the U.S. Bank Business Leverage Visa Signature first; revisit the USAA Rewards American Express after you've earned that bonus.
| Feature | U.S. Bank Business Leverage Visa Signature | USAA Rewards American Express |
|---|---|---|
| Annual fee | $95 | $0 |
| Sign-up bonus | 60,000 bonus points | 2,500 USAA Rewards points |
| Bonus value (est.) | $600 | $25 |
| Min spend to unlock bonus | $6,000 in 4 mo | $0 in 0 mo |
| Issuer | U.S. Bank | USAA |
| Card category | business | rewards |
| Best earning category (Travel_center_prepaid) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
U.S. Bank Business Leverage Visa Signature
$95/yr · 60,000 bonus points
Read the full review
USAA Rewards American Express
$0/yr · 2,500 USAA Rewards points
Editorial take: USAA Rewards American Express
Common questions
- Which card has the bigger sign-up bonus, U.S. Bank Business Leverage Visa Signature or USAA Rewards American Express?
- The U.S. Bank Business Leverage Visa Signature has the bigger bonus, 60,000 bonus points, worth roughly $600, versus 2,500 USAA Rewards points (~$25) on the USAA Rewards American Express.
- Is the U.S. Bank Business Leverage Visa Signature's $95 annual fee worth it compared to the USAA Rewards American Express?
- At $95/yr, the U.S. Bank Business Leverage Visa Signature is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the USAA Rewards American Express's, pick the one whose perks you'll actually use.
- Can I have both the U.S. Bank Business Leverage Visa Signature and USAA Rewards American Express?
- Yes, since they're from different issuers (U.S. Bank and USAA) 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 U.S. Bank Business Leverage Visa Signature or the USAA Rewards American Express first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. U.S. Bank Business Leverage Visa Signature: $6,000 spend in 4 months. USAA Rewards American Express: $0 in 0 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.