Citi Simplicity Card vs U.S. Bank Business Leverage Visa Signature Card

Side-by-side comparison of Citi Simplicity Card and U.S. Bank Business Leverage Visa Signature Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Citi Simplicity Card	U.S. Bank Business Leverage Visa Signature Card
Issuer	Citi	U.S. Bank
Network	Mastercard	Visa
Card Material	Plastic	Plastic
Annual Fee	$0.00	$95.00
Base Rate	0.00%	1.00%
Travel Rewards	0.00x	5.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	3%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	0.0% (base)	1.0% (base)
Prepaid car and hotel reservations via Rewards Center	0.0% (base)	5.0%
Top two spending categories each month (automatic)	0.0% (base)	2.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	18.74% - 29.49%	19.24% - 28.24%
Cash Advance APR	29.99%	29.99%
Penalty APR	N/A	N/A
Late Fee	N/A	$39
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	—	Primary (when renting for business purposes)
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	—
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard