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U.S. Bank credit cards 2022: Which one is best for you?

Compare U.S. Bank rewards credit cards to see the best in 2022.

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.

1 - 3 of 8
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
16.74% to 26.74% 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
16.74% to 26.74% variable
$85
Earn 30,000 points after spending $2,000 in the first 4 months.
U.S. Bank Secured Visa® Card
N/A
25.49% 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. We chose our list based on those cards that outperformed the others in a given category.

In 2022, 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

U.S. Bank FlexPerks® Gold American Express® Card

Finder rating 4.3 / 5 ★★★★★

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Terms apply, see rates & fees
The U.S. Bank FlexPerks® Gold American Express® Card ups the ante on the old FlexPerks travel card by increasing the bonus points earned 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.

Best for business rewards

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

Finder rating 4.4 / 5 ★★★★★

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Terms apply, see rates & fees
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.

Best for 0% intro APR

U.S. Bank Visa® Platinum Card

Finder rating 4.8 / 5 ★★★★★

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Terms apply, see rates & fees
While it lacks rewards, the U.S. Bank Visa® Platinum Card offers a longer than average introductory APR on purchases and balance transfers. This length is a great opportunity for savings, though not currently the longest on the market.

Best for establishing credit

Harley-Davidson® Visa® Secured Card

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Terms apply, see rates & fees
Despite the cobranding, the Harley-Davidson® Visa® Secured Card is a terrific option for just about anyone looking to rebuild their credit. This card actually gains rewards as well, though they can only be used on Harley Davidson merchandise.

Best for cash back

U.S. Bank Cash+™ Visa Signature® Card

Finder rating 4.4 / 5 ★★★★★

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Terms apply, see rates & fees
The U.S. Bank Cash+™ Visa Signature® Card offers up to a sizable 5% cash back on eligible bonus categories of your choice, such as grocery stores or gas stations. This card also features an intro APR on balance transfers for cardholders, making it a solid one-two punch of long-term value.
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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. 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, as well as your personal information, income and employment information. 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.

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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Choose a U.S. Bank credit card based on your financial needs

If you’re unsure what U.S. Bank credit card is the best fit for you, review the following:

  • Look at any existing credit card debt. Get a U.S. Bank credit card with a long 0% intro APR period on balance transfers to potentially save money on interest. Just watch out for any balance transfer fees.
  • See if you have any major purchases on the horizon. A card with a long 0% intro APR offer on purchases could help you save on interest.
  • Check your credit score. Get a secured card. For a low annual fee, you get to build your credit with responsible card use.
  • Review your travel needs. U.S. Bank has one premium and one mid-tier travel card. Depending on your needs and financial situation, consider one of the two.
  • Review your spending habits. Reviewing your spending habits can give you a sense of which card offers the best bonus categories for earning rewards.
  • 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 the most sense for your business.

There are 4 types of U.S. Bank credit cards

While not as well known as Chase or Amex, U.S. Bank offers some surprisingly valuable cards for consumers. Notably, U.S. Bank’s dining rewards options, travel options, low interest options and secured cards are all varied and strong picks in their categories.

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

Are there U.S. Bank no annual fee 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 save you hefty fees. Your U.S. 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, a higher annual fee is commensurate with additional perks and features as well as better rewards rates.

U.S. 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, no foreign transaction fees, 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
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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 through the rewards center.

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 and accessing the rewards center.

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 or looking for no-annual-fee options or a premium card, you’ll find a competitive choice in most U.S. Bank credit card categories.

While it lacks rewards, the U.S. Bank Visa® Platinum Card offers a longer than average introductory APR on purchases and balance transfers. This length is a great opportunity for savings, though not currently the longest on the market.

But if you feel like you’re missing something, check out some products from alternative issuers to compare your options.

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