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

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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
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
16.74% variable
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.49% to 26.49% 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
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
Earn unlimited 1.5% cash back on every purchase, every day.
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 14.74% to 25.74% variable)
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
CardMatch™ from
CardMatch™ from
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Can't decide on a card? Get personalized credit card offers with CardMatch™.

Compare up to 4 providers

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