Compare U.S. Bank credit cards

A range of cards that come with great reward potential.

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U.S. Bank

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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.

However, it’s only in recent years that U.S. Bank has released especially attention-grabbing cards. Among them are several premier cards, such as the U.S. Bank Altitude Reserve Visa Infinite® Card, that offer standout reward opportunities or unique flexibility in the way you make the most of your card.

Best of U.S. Bank credit cards

Travel rewards card: U.S. Bank FlexPerks® Travel Rewards® Visa Signature® Card

U.S. Bank FlexPerks® Travel Rewards® Visa Signature® Card

The U.S. Bank FlexPerks® Travel Rewards® Visa Signature® Card combines simplicity with flexibility. You’ll earn 2x FlexPoints on the eligible category you spend the most on each month and you can get a head start on your earnings with an easy to obtain signup bonus.

  • Flexible reward earnings.
    You’ll earn 2x FlexPoints on the category you spend the most on each month: airlines, gas stations or grocery stores. Earn 2x FlexPoints at eligible cellphone service providers and 1x points on all other eligible purchases.
  • Signup bonus.
    Earn 25,000 FlexPoints when you spend $2,000 on eligible net purchases within the first 4 months of account opening.
  • Introductory annual fee.
    U.S. Bank will waive your annual fee for your first 12 months. After that, you’ll pay $49 each year.

Business rewards: U.S. Bank Business Cash Rewards World Elite™ Mastercard®

U.S. Bank Business Cash Rewards World Elite™ Mastercard®
Apply now

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 (see rates & fees).

  • 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 $200 cash back when you spend $1,000 on eligible net purchases within the first 90 days of opening your account.
  • No annual fee.
    This card carries no annual fee and additional employee cards are free of charge.

0% intro APR: U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

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 18 months after you open your account. After that, you’ll pay a 13.99% – 24.99% 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.

Establishing credit: Harley-Davidson® Visa® Secured Card

Harley-Davidson® Visa® Secured Card

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.

How we selected our top cards

When choosing our U.S. Bank credit card picks, we looked at a few features, including reward 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.

What’s changed in 2020

The Harley-Davidson® Visa® Secured Card is something of a surprise addition to the list, as it performs quite well at helping users build credit, despite the branding of the card.

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Compare U.S. Bank credit cards

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 9 billing cycles (then 13.49% to 24.49% variable)
$0
Earn $200 cash back after you spend $1,000 on purchases in the first 90 days from account opening. 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
17.99% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn up to 100,000 bonus points in the first 365 days of account opening with an additional point on all eligible net purchases. Rates & Fees
U.S. Bank FlexPerks® Business Travel Rewards
2x points in the category you spend the most each month - gas stations, office supply stores or airlines, plus on cellular providers and 1x on all other purchases
13.74% to 24.74% variable
$0 intro annual fee for the first year ($55 thereafter)
Earn 25,000 bonus FlexPoints worth $375 on airfare, hotel stays, car rentals and more when you spend $2,000 in purchases within the first 4 months of account opening. 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
15.49% to 24.99% 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 Visa® Platinum Card
N/A
0% intro for the first 18 months (then 13.99% to 24.99% variable)
$0
0% intro APR on purchases and balance transfers for the first 18 months from account opening.

Compare up to 4 providers

Full list of U.S. Bank credit cards

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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, simply head to the credit card section of the U.S. site, click on the card you’re interested in and then click the “Apply now” button on the credit card page.

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.
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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?

The value of FlexPoints depend on what you’re redeeming them on. 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.

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Typical card features and benefits of a U.S. Bank card

  • Cellphone protection. Receive coverage for cellphone theft or damage when you pay for your eligible cellphone service with your card.
  • Fraud protection. U.S. Bank will send notifications of unusual card activity on your account.
  • Free TransUnion credit score. Enroll in online banking to receive your TransUnion credit score at no cost.
  • Visa Signature benefits. U.S. Bank Visa Signature cards can receive many of the benefits included with the program, including Visa Concierge service, additional fraud protection and travel insurance coverage.
  • Online banking. You can manage most U.S. Bank cards online by signing up for their online banking service.
  • Autopay. Set up your account to automatically make payments and avoid interest and late fees.

Does U.S. Bank offer balance transfer credit cards?

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See offers for cards from other brands

CardMatch™ from creditcards.com

  • Find card offers you are more likely to qualify for without impacting your credit score.
  • Save time by comparing matched offers from multiple partner banks.
  • You may be matched to special offers based on your credit profile.
  • See your matched offers in less than 60 seconds.
  • Get matched to the card feature that's right for you. Find cards with low interest, cash back, balance transfers, and travel rewards.
  • Users may not be matched with all offers or banks. Matches are based on a user's credit profile. See the CardMatch terms and conditions for more details.
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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.

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Bottom line

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

Compare other credit card categories to see how U.S. Bank stacks up and find the card that best suits your needs.

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Frequently asked questions

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