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U.S. Bank credit cards: Which one is best for you?

Compare U.S. Bank rewards credit cards to see the best in August 2021.

Compare U.S. Bank credit cards

Browse all U.S. Bank credit cards and see how they compare in terms of rewards, annual fee and intro APR period. To narrow your options click "Show filters" to search products that fit your credit range and have features that will benefit you most.

Name Product Filter values Rewards Purchase APR Annual fee
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
$0
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees
U.S. Bank FlexPerks® Gold American Express® Card
3x points at restaurants, 2x at gas stations 2x at airlines and 1x on all other purchases
14.49% to 24.49% variable
$85
Earn 30,000 points after spending $2,000 in the first 4 months.
U.S. Bank Secured Visa® Card
N/A
23.99% variable
$0
Get worldwide purchasing power and flexibility as you work to build or re-establish your credit history.
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The best U.S. Bank credit cards

U.S. Bank offers the variety of credit card options and cobranded cards you’d expect from the fifth largest commercial bank in the US. When choosing our U.S. Bank credit card picks, we compared the card’s features, including rewards opportunities, annual fees, purchase APRs other perks that a consumer might consider when browsing cards. Those cards that outperformed the others in a given category were chosen for our list.

In 2021, we added the Harley-Davidson® Visa® Secured Card to our list, as it performs quite well at helping users build credit, despite the branding of the card.

Best for travel rewards card
U.S. Bank FlexPerks® Gold American Express® Card

U.S. Bank FlexPerks® Gold American Express® Card logo
Finder Rating: 4.3 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$85
Annual fee
Up to5x
Points
30,000
Points welcome offer
The U.S. Bank FlexPerks® Gold American Express® Card ups the ante on the old FlexPerks travel card by increasing the rewards and signup bonus while keeping the simplicity and perks that made the prior such a solid card. You'll earn up to 5x FlexPoints on eligible purchases while enjoying solid travel perks for a modest annual fee.
  • Reward earnings. Earn 5x FlexPoints on prepaid hotels and car rentals, 3x points at restaurants, 2x points at airlines and gas stations, and 1x points on everything else.
  • Signup bonus. Earn 30,000 bonus FlexPoints after spending $2,000 within 4 months of account opening.
  • Travel perks. Enjoy a Global Entry/TSA PreCheck statement credit, up to $25 in reimbursement for baggage fees or in-flight food and drinks, access to a global dining program and more.
Annual Fee $85
Purchase APR 14.49% to 24.49% variable
Balance transfer APR 14.49% to 24.49% variable
Welcome offer30,000 points worth $450, after spending $2,000 in the first 4 months
Estimated welcome offer value $450 based on Finder's valuation
Rewards3x points at restaurants, 2x at gas stations 2x at airlines and 1x on all other purchases

Best for business rewards card
U.S. Bank Business Cash Rewards World Elite™ Mastercard®

U.S. Bank Business Cash Rewards World Elite™ Mastercard® logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (740-850)
Read review
Rates & fees

740
Min. credit score
$0
Annual fee
Up to3%
Cash back
$500
Welcome offer
Though some of U.S. Bank's other business cards might offer more customization or a travel focus, the U.S. Bank Business Cash Rewards World Elite™ Mastercard® offers great raw value when it comes to cash back. Earn 3% cash back on eligible purchases along with a solid introductory bonus.
  • Cashback rewards. Earn 3% cash back on cellular, gas and office supply store net purchases, and earn 1% cash back on all other eligible net purchases.
  • Signup bonus. Earn $500 cash back when you spend $4,500 on eligible net purchases within the first 150 days of opening your account.
  • No annual fee. This card carries no annual fee and additional employee cards are free of charge.
Annual Fee $0
Purchase APR 0% intro for the first 15 billing cycles (then 11.99% to 22.99% variable)
Balance transfer APR 0% intro for the first 15 billing cycles (then 11.99% to 22.99% variable)
Welcome offer$500 after spending $4,500 in the first 150 days
Estimated welcome offer value
Rewards3% cash back on gas, cell phone services, and office supply stores and 1% back on all other purchases

Best for 0% intro APR card
U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card logo
Finder Rating: 4.8 / 5

★★★★★

Credit recommended (740-850)
Read review
Rates & fees

740
Min. credit score
$0
Annual fee
n/a
Rewards
n/a
Welcome offer
The U.S. Bank Visa® Platinum Card offers a longer than average introductory purchase APR and balance transfer APR. This period is a great opportunity for savings.
  • Intro APR period. U.S. Bank offers a 0% intro APR on purchases and balance transfers for 20 months after you open your account. After that, you'll pay a 14.49% - 24.49% variable APR.
  • Cellphone protection. Receive protection on cellphone damage or theft when you pay your cellphone bill with your card.
  • Fraud protection. Receive notifications of any unusual card activity on your account.
Annual Fee $0
Purchase APR 0% intro for the first 20 months (then 14.49% to 24.49% variable)
Balance transfer APR 0% intro for the first 20 months (then 14.49% to 24.49% variable)
Welcome offerN/A
Estimated welcome offer value
RewardsN/A

Best for establishing credit card
Harley-Davidson® Visa® Secured Card

Harley-Davidson® Visa® Secured Card logo
Credit recommended (300-579)
Read review
Rates & fees

300
Min. credit score
$0
Annual fee
Up to1x
Points
n/a
Welcome offer
Despite the cobranding, the Harley-Davidson® Visa® Secured Card is a terrific option for just about anyone looking to rebuild their credit.
  • No annual fee. You won't need to pay to use this card to rebuild your credit.
  • Apply with poor credit. Even those with poor or no credit can apply.
  • Harley rewards. This card comes with a rewards program in the form of points you can redeem on Harley-Davidson gift cards.
Annual Fee $0
Purchase APR 22.99% variable
Balance transfer APR 22.99% variable
Welcome offerN/A
Estimated welcome offer value
Rewards1x points on all purchases

Best for cashback card
U.S. Bank Cash+™ Visa Signature® Card

U.S. Bank Cash+™ Visa Signature® Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$0
Annual fee
Up to5%
Cash back
$150
Welcome offer
The U.S. Bank Cash+™ Visa Signature® Card offers up to a sizable 5% cash back. This card also features an intro APR on balance transfers, making it a solid one-two punch of long term value.
  • Reward earnings. Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories of your choosing, then 1%. You can choose these categories from a set list each quarter. Earn 2% back on one everyday category of your choice and earn 1% back on everything else.
  • Signup bonus. Earn a $150 signup bonus after spending $500 within 90 days of account opening.
  • Intro APR. Enjoy a 0% intro APR on balance transfers for the first 12 months, reverting to a 13.99% to 23.99% variable after.
  • No annual fee. You won't pay an annual fee to use this card.
Annual Fee $0
Purchase APR 13.99% to 23.99% variable
Balance transfer APR 0% intro for the first 12 months (then 13.99% to 23.99% variable)
Welcome offer$150 after spending $500 in the first 90 days
Estimated welcome offer value
Rewards5% 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
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How to apply for a U.S. Bank card

You can apply for a U.S. Bank credit card in person or online. To apply online:

  1. Head to the U.S. Bank site, hover over Personal and click on Credit cards.
  2. Click on Credit cards (overview) to view the various credit card categories.
  3. Select your card category and click on the name of the card you want.
  4. On the new credit card page, scroll down and click Apply now.
  5. Fill out your personal information and click Next to complete the application.

Application requirements

To apply for a U.S. Bank credit card, you’ll need to be 18 years of age, a legal resident of the United States and have a Social Security Number or Individual Taxpayer Identification Number. You’ll also need to have the following information available:

  • Personal information. Your full name, date of birth, Social Security Number, place of residence, phone number and email address.
  • Income and employment information. You’ll need to provide U.S. Bank with information regarding your employment status, total annual income and the source of that income.
  • If you’re applying for a secured card, you’ll also need to provide information on the account you’re using to fund your security deposit.

How many U.S. Bank credit cards can I have?

U.S. Bank doesn’t have a stated restriction on the number of credit cards you can have.

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How to maximize U.S. Bank credit cards

If you want to maximize the value of your U.S. Bank credit cards, here’s what to consider:

  • Do you have credit card debt? Get a U.S. Bank credit card with a long 0% intro APR period on balance transfers.
  • Do you want to make a large purchase? A card with a long 0% intro APR period on purchases would be the one to consider.
  • Do you want to build credit? Get a secured card. For a low annual fee, you get to build your credit with responsible card use.
  • Do you travel often? U.S. Bank has one premium and one mid-tier travel card. Depending on your needs and financial situation, consider one of the two.
  • Do you want to earn rewards on everyday spending? In this case, consider applying for a U.S. Bank cashback credit card.
  • Do you need a business card? U.S. Bank offers several business credit cards, each with its own perks and benefits. Consider the one that makes most sense for your business.

Types of U.S. Bank credit cards

U.S. Bank offers some of the best credit cards you can currently get. As of March 2021, U.S. Bank offers the longest balance transfer period on one of its cards. There’s also excellent reward cards for dining, travel and rotating categories, which are either on par or exceed competitor cards. There’s even a secured credit card for building credit and a few business credit cards.

The only type of card U.S. Bank lacks is a student card. But students can always become authorized users to someone else’s U.S. Bank credit card, they can enjoy the card’s benefits and build credit at the same time.

Are there US Bank no annual fee-free credit cards?

Yes. 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. Your US Bank no annual fee card options include:

  • King Soopers REWARDS World Mastercard®
  • Kroger REWARDS World Mastercard®
  • QFC REWARDS World Mastercard®
  • Ralphs Rewards World Mastercard®
  • Smith’s REWARDS World Mastercard®

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

Generally, yes. For most credit cards, the higher the annual fee you pay, the higher your perks and rewards earned.

US Bank annual fee credit cards tend to result in the following perks.

  • 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.

Summary of U.S. Bank cards

Credit cardBest forTypical benefits
U.S. Bank Cash+™ Visa Signature® CardEveryday purchases
  • Cash back
  • Signup bonus
  • No annual fee
U.S. Bank Altitude® Reserve Visa Infinite® CardTravelers who want premium travel perks
  • Travel rewards
  • Annual statement credit toward travel
  • Priority Pass lounge access
  • Hotel benefits
U.S. Bank FlexPerks® Gold American Express® CardTravelers who want an affordable card with excellent travel perks
  • Travel rewards
  • TSA PreCheck or Global Entry application fee credit
U.S. Bank Business Leverage® Visa Signature® CardBusinesses that spend on a variety of categories
  • Accelerated rewards on two categories where you spend most
  • Signup bonus
U.S. Bank Business Cash Rewards World Elite™ Mastercard®Businesses that spend on gas, office supplies and cell phone services
  • Cash back
  • Signup bonus
  • No annual fee and free employee cards
U.S. Bank Business PlatinumBusinesses that want to make a large purchase and pay it off without interest, or to pay off debt without interest
  • Intro APR period
  • No annual fee
Store and gas cardsEveryone who is a loyal customer to a particular retailer
  • Rewards at the retailer
  • No annual fee

Standout benefits of a U.S. Bank card

  • Long balance transfer periods. As of March 2021, U.S. Bank offers the longest balance transfer period you can find in a credit card. This is incredibly useful if you’re looking to consolidate your debt and pay it off without paying interest.
  • Rewards cards. U.S. Bank offers one of the most rewarding credit cards you can get. For dining purchases, the U.S. Bank Altitude® Go Visa Signature® Card earns the highest rate without paying an annual fee. For cashback rewards — the U.S. Bank Cash+™ Visa Signature® Card is on par with most 5% cashback cards. Travel enthusiasts can get the U.S. Bank Altitude® Reserve Visa Infinite® Card and the U.S. Bank FlexPerks® Gold American Express® Card and earn generous rewards on travel purchases plus enjoy travel benefits.
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U.S. Bank rewards program

U.S. Bank offers a rewards program called FlexPerks. By using certain cards, you can collect points called FlexPoints that you can redeem for rewards.

How can you redeem FlexPoints?

You can redeem your FlexPoints on a variety of purchases, including air travel, hotel stays, car rentals, gift cards, merchandise and statement credits on your account. Redeem them by signing into your U.S. Bank online banking account.

How much are FlexPoints worth?

According to the U.S. Bank site at the time of writing, the current value of FlexPoints when redeemed on travel is 1.5 cents per point. That said, the value of FlexPoints depends on what you’re redeeming them on.

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Full list of U.S. Bank credit cards

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Bottom line

Whether you’re rebuilding your credit, growing your business, looking for no-annual-fee options or a premium cards, you’ll find a competitive choice in most U.S. Bank credit card categories.

But if you feel like you’re missing something, check out some of U.S. Bank’s alternatives, such as the Chase Freedom Flex℠ with 5% back on rotating categories, or the Platinum Card® from American Express where you earn 5x points on prepaid hotels.

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Frequently asked questions

  • How does U.S. Bank keep my credit card information secure?
    U.S. Bank uses many of the standard security measures available to protect your information from unauthorized access during and after the application process. Additionally, U.S. Bank protects you from liability for unauthorized online transactions. Full information on security and privacy can be found on U.S. Bank’s site.
  • How do I pay my U.S. Bank credit card?
    You can pay your credit card online, through your mobile device, by phone, in person or even by mail.
  • Does U.S. Bank offer Visa or Mastercard?
    U.S. Bank offers Visa, Mastercard and American Express credit cards.
  • Do U.S. Bank FlexPoints expire?
    Yes. FlexPoints expire five years from the date you earned them.

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