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Compare U.S. Bank credit cards with no annual fee

Save money with a 0% intro APR period, travel perks or spending at favorite retailers.

Updated

Fact checked
The Minneapolis-based U.S. Bank offers a suite of credit cards with no annual fee, including a cobranded credit cards for airlines and supermarkets like Harris Teeter and Ralphs. Some earn you cash back, while others shine for long intro APR periods on balance transfers that can safe you hefty fees.

Compare U.S. Bank credit cards with no annual fee

Name Product Annual fee Balance transfer APR Purchase APR Filter values
U.S. Bank Cash+™ Visa Signature® Card
$0
0% intro for the first 12 billing cycles (then 13.99% to 23.99% variable)
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
0% intro for the first 20 months (then 13.99% to 23.99% variable)
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.
Quicken® World Mastercard®
$0
13.99% to 22.99% variable
13.99% to 22.99% variable
Earn 2x points on recurring bills, 2x points on groceries and 2x points on dining.
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Other U.S. Bank cards with no annual fee

  • SkyBlue SKYPASS Visa® Card
  • REI Co-op World Mastercard®
  • Dillons REWARDS World Mastercard®
  • Fred Meyer Rewards® World Mastercard®
  • Fry’s REWARDS World Mastercard®
  • Harris Teeter REWARDS World Mastercard®
  • King Soopers REWARDS World Mastercard®
  • Kroger REWARDS World Mastercard®
  • QFC REWARDS World Mastercard®
  • Ralphs Rewards World Mastercard®
  • Smith’s REWARDS World Mastercard®

How to compare U.S. Bank cards with no annual fee

Think about your spending habits and lifestyle to narrow down the best U.S. Bank credit card for you.

  • Do you want to earn a signup bonus?
    All cards but the U.S. Bank Visa® Platinum Card offer a signup bonus when you meet spending criteria.
  • Do you want to earn cash back?
    U.S. Bank offers two cashback cards: the U.S. Bank Cash 365™ American Express® Card, which earns 1.5% cash back on everything you buy, and the U.S. Bank Cash+™ Visa Signature® Card, which earns accelerated cash back in categories you choose.
  • Do you travel often?
    The U.S. Bank Flexperks® Select+ American Express® Card offers the highest value when redeeming points on airfare, hotels or car rentals. However, U.S. Bank does not waive foreign transaction fees, making these cards poor overseas travel companions.
  • Are you looking for a 0% intro APR on balance transfers?
    While most of the cards offered by U.S. Bank fit this need, the U.S. Bank Visa® Platinum Card extends the longest intro APR period — six months longer than other U.S. Bank cards.
  • Do you want a 0% intro APR on purchases?U.S. Bank Visa® Platinum Card is the only U.S. Bank card that offers an intro APR on purchases with no annual fee.
  • Are you loyal to a particular retailer?
    U.S. Bank offers cobranded credit cards for retailers like King Soopers, Kroger, Ralphs, Smith’s, Dillons, Harris Teeter, Fred Meyer, REI-Co-op and more.

Will I earn more rewards if I pay an annual fee?

Generally, yes: The higher the annual fee you pay, the higher the rewards you earn.

If you’re able to pay an annual fee for a U.S. Bank card, you could get:

  • Higher signup bonus.
    You can earn from $350 to $750 in reward value, depending on the card you choose. However, the spend criteria to earn the bonus is also higher than no-annual-fee counterparts.
  • High rewards on purchases.
    You can earn up to 3x points on purchases at restaurants or travel, as opposed to the typical 1x points of a no-annual-fee U.S. Bank credit card.
  • TSA PreCheck or Global Entry fee credit.
    Enjoy up to $100 in statement credit reimbursement for the TSA PreCheck or Global Entry application fee.
  • Additional travel perks.
    Select cards come with Priority Pass lounge access, an annual travel credit, Boingo Wi-Fi and more.

Our pick for a no-annual-fee card from other brand

Citi® Double Cash Card

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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Bottom line

U.S. Bank offers credit cards that let you earn rewards or enjoy interest-free balance transfers or purchases without an annual fee. Cobranded credit cards with airlines and retailers can leverage savings where you already shop.

With most banks offering credit cards to meet your spending and goals, compare your options to find the strongest fit for your budget and needs.

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