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    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.

    Net purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn points, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. See your Cardmember Agreement for details. A purchase will not earn additional points if the merchant's selected code is in a category that is not eligible for additional points earning. We do not determine the category codes that merchants choose and reserve the right to determine which purchases qualify for additional points.

    Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Subject to applicable law, you may not redeem points, and you will immediately lose all of your cash back, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.

    1. One-time 75,000 Bonus Points will be awarded if eligible Net Purchases totaling $7,500 or more are made with the Account Owner's card within 120 days after Account opening. The Account Owner's card is the card assigned to the initial applicant of the Account and would not include cards used by authorized employees. Please allow 1 - 2 billing cycles for Bonus Points to be credited to the Account. Existing and previous Business Leverage accounts do not qualify for Bonus Points. One-time bonus Points do not apply toward account upgrades. Use of the Leverage Business Rewards card is subject to terms and conditions.

    2. The current variable APR for Purchases and Balance Transfers is 18.99% - 25.99% (based on your creditworthiness). The variable APR for cash advances is 31.24%. Cash advance fee: 5% of each advance amount, $10 minimum. Convenience check fee: 5% of each check amount, $5 minimum. Cash equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 5% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $0 introductory annual fee for the first year and every year after it will be $95 for the account owner. Foreign transaction fee: 0% of each foreign Purchase transaction or foreign ATM advance transaction in U.S. dollars. 0% for each foreign Purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in an U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay® Fees are calculated based upon the original principal amount, Purchase APR, and other factors. 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. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay® Plans and ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to non-Fixed Payment Program balances in the order of lowest to highest APR before applying to Fixed Payment Program balances.

    3. Cardmembers will earn 1 Point for every $1 spent in eligible Net Purchases. Net Purchases are Purchases minus credits and returns. You will earn 5 Points (1 base Point and 4 bonus Points) for every $1 spent in eligible Net Purchases spent on prepaid car and hotel reservations in the Rewards Center using your Business Leverage card. Prepaid car and hotel reservations in the Rewards Center are not classified as a travel category merchant transaction and are not eligible to receive the additional Points for that category. You will earn 2 points (1 base Point and 1 bonus Point) for every $1 spent in eligible net purchases in the top two categories of spend each month excluding gas/ EV charging stations and grocery purchases made at wholesale clubs and discount stores/supercenters such as Target and Walmart. Points will expire five years from the end of the calendar quarter in which they were earned. Please allow 1-2 billing cycles for rewards to be credited to your Account.

    The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc., and the card is available to United States residents only.

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