The U.S Bank Business Leverage edges out the Southwest Premier for most cardholders — it wins on 2 of 4 comparison categories and offers $750 signup bonus earns more (up to 5x vs 3x). The Southwest Premier is the better choice if you prioritize a different rewards ecosystem.
Southwest Premier vs U.S Bank Business Leverage
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Southwest Purchases 3x
- Grocery Stores and Restaurants 2x
- All Other Purchases 1x
- U.S. Bank Travel Center 5x
- Top 2 Spending Categories (Automatic) 2x
- All Other Purchases 1x
- 1,500 Tier Qualifying Points toward A-List statusAfter $5,000 spend
Quick summary
A short version of the comparison with the main differences at a glance.
The U.S Bank Business Leverage edges out the Southwest Premier for most cardholders — it wins on 2 of 4 comparison categories and offers $750 signup bonus earns more (up to 5x vs 3x). The Southwest Premier is the better choice if you prioritize a different rewards ecosystem. On raw upside, U.S Bank Business Leverage tops out at 5x versus 3x for Southwest Premier. Current signup bonus values are roughly $850 for Southwest Premier and $750 for U.S Bank Business Leverage. Updated May 30, 2026. Source: https://cardcurator.ai/compare/southwest-premier-vs-u-s-bank-business-leverage
- U.S Bank Business Leverage wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: U.S Bank Business Leverage reaches 5x; Southwest Premier reaches 3x.
- Annual fee: U.S Bank Business Leverage is $95/yr; Southwest Premier is $149/yr.
- Current public bonus values are approximately $850 and $750.
Common Questions: Southwest Premier vs U.S Bank Business Leverage
Is the Southwest Premier or U.S Bank Business Leverage better for dining?
Southwest Premier earns 2x on dining; U.S Bank Business Leverage has no dining bonus.
Which has the higher signup bonus in 2026?
Southwest Premier currently offers 85,000 pts signup bonus (spend $2,000 in 3 months). U.S Bank Business Leverage offers $750 signup bonus (spend $7,500 in 4 months). Southwest Premier has the larger bonus.
Which card is better for international travel?
Southwest Premier charges no foreign transaction fees — the better pick for international use. U.S Bank Business Leverage charges 3% on foreign purchases.
Can I hold both the Southwest Premier and the U.S Bank Business Leverage?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Southwest Premier is from Chase and U.S Bank Business Leverage is from U.S. Bank, so they're governed by separate bank policies.