Can you cancel a U.S. Bank credit card without calling? |
US Bank logo

How to cancel a U.S. Bank credit card without calling

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Canceling your U.S. Bank credit card isn’t as easy as cutting it up. For you to officially close your card, you’ll need to contact U.S. Bank.

For most credit card companies, you’re required to call and speak to a representative. That’s because bank reps want to convince you to stay. It’s a silly game — you say no, and they throw you a bone. You might have to say no multiple times before you can actually cancel your card.

Our guide to canceling your credit card

Can I cancel my U.S. Bank credit card without calling?

You might be able to at least start the process of canceling your card online.

1. Log in to your U.S. Bank Online Banking, click the Customer Service tab and select Contact Us.

2. Include your credit card number and a brief message stating that you want to close your account.

3. If you’re not be able to cancel your card online, call U.S. Bank at 800-872-2657.

What to expect when you call to cancel your card

Don’t expect your call with U.S. Bank to be a quick one. The bank’s representative will likely try to entice you to keep your card open.

Are you 100% sure you want to close your card, or could you be persuaded with a lower APR or lower fees? If you’re a firm no, you could be forwarded on to customer retention for more persuading.

Have a game plan

Know ahead of time if you’ll change your mind with the right offer — say, better rewards or no annual fees. They might be willing to work with you to avoid losing a customer.

If you’re canceling your card to control your spending, stick to your guns and say no, no matter how much they ask.

Will canceling my Bank of America credit card affect my credit score?

It could. If your credit card debt is becoming hard to manage, canceling your card could be a good move for your overall financial health.

But canceling a credit card with a high spending limit might hurt your credit score. Credit bureaus determine your creditworthiness by looking at your payment history, the age of your credit and also how much credit is available to you compared to how much you’re using — known as your credit utilization ratio.

In general, the lower your credit utilization ratio, the less potential risk a creditor takes on. Because credit bureaus like to see your credit utilization ratio at 30% or below, closing a card with a high spending limit and a zero balance could temporarily lower your score.

Our guide on how credit utilization affects your credit score

After you’ve canceled your credit card

After you’ve canceled your card online or by phone, mail a letter to U.S. Bank reiterating your cancellation request.

Include your credit card number and account number, sign it and send it to:

U.S. Bank
PO Box 6352
Fargo, ND 58125-6352
A U.S. Bank rewards card with no annual fee

Find a new card that suits you

Perhaps you are in the market for a new card that better fits your needs now that you’ve decided to cancel your U.S. Bank credit card. Check out the chart below, which allows you to compare some of the most popular credit cards available.
Should I get a credit card from my bank or a different one?

Name Product Filter values Rewards Purchase APR Annual Fee
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.99% to 26.99% variable
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on Rates & fees
0% intro for the first 18 months (then 13.24%, 17.24% or 21.24% variable)
An 18 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
0% intro for the first 12 months (then 15.24%, 19.24% or 25.24% variable)
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
2x miles at US restaurants and on direct Delta purchases and 1x miles on all other purchases
17.99% to 26.99% variable
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & fees

Compare up to 4 providers

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site