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How to activate a US Bank credit card

There are three ways to activate your card.


Activate your US Bank credit card online, by phone or by using your US Bank mobile app. No matter which option you choose, the card activation process should be speedy.

How to activate your US Bank card online

Here’s how to activate your US Bank card online:

  1. Visit
  2. If you have an online account, log in and activate; if not, click Enroll and activate
  3. Chose the type of card — personal or business
  4. Enter your card account number, the last four digits of your SSN and your PIN if you have one

How to activate your US Bank card by phone

If calling customer support is your preferred method to activate your US Bank card:

  1. Call the number on the card’s sticker if you have one; otherwise, call 800-285-8585
  2. Follow the prompts and provide your personal information and card number

How to activate your US Bank card with a mobile app

Your third option is to activate your US Bank card with a mobile app.

  1. Download the US Bank app for iOS or Android
  2. Log in with the same information as your online banking account
  3. Find your new card under your accounts and activate it

Compare US Bank credit cards

Now that you’ve activated your US Bank credit card, you can start using it. Once you’re comfortable with your new card, you may want a higher credit line or additional perks that your US Bank card might lack. For example, if you now earn flat rewards on all purchases, consider an additional card with top grocery rewards, or a card that rewards you for any other category where you spend most. The cards in the table below can give you a glimpse of what your next card could look like.

Name Product Filter values Rewards Purchase APR Annual fee
U.S. Bank Business Cash Rewards World Elite™ Mastercard®
3% cash back on gas, cell phone services, and office supply stores and 1% back on all other purchases
0% intro for the first 15 billing cycles (then 11.99% to 22.99% variable)
Earn $500 cash back after you spend $4,500 on purchases in the first 150 days from account opening. Rates & Fees
U.S. Bank Business Platinum
0% intro for the first 15 billing cycles (then 9.99% to 17.99% variable)
Enjoy a 0% intro APR on purchases and balance transfers for the first 15 billing cycles, reverting to a variable 9.99% to 17.99% APR. Rates & Fees
U.S. Bank Business Leverage® Visa Signature® Card
2x points in the two categories you spend the most in each month and 1x points on all other purchases
16.49% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 75,000 points after spending $7,500 in the first 4 months. Rates & Fees
U.S. Bank Cash+™ Visa Signature® Card
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
13.99% to 23.99% variable
When you spend $500 on your card within the first 90 days, you’ll receive a $200 cash back bonus. Rates & Fees
U.S. Bank Visa® Platinum Card
0% intro for the first 20 months (then 13.99% to 23.99% variable)
0% intro APR on purchases and balance transfers for the first 20 months from account opening.

Compare up to 4 providers

Bottom line

You can activate your US Bank card by enrolling in US Bank’s online banking, calling the number on the card’s sticker or by using your mobile app. Luckily, this process is similar to that of activating any other credit card. As soon as you’re ready, consider adding a complementary second card to your wallet to potentially increase your credit limit and get you additional perks.

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