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Best U.S. Bank credit cards

A range of cards that come with great reward potential.

Updated

Fact checked
U.S. Bank
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 rewards opportunities or unique flexibility in the way you make the most of your card.

Best of U.S. Bank credit cards

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 to 5x
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 offer 30,000 points worth $450, after spending $2,000 in the first 4 months
Rewards 3x 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: 4.1 / 5

★★★★★

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

740
Min. credit score
$0
Annual fee
Up to 3%
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
Rewards 3% 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 13.99% - 23.99% 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.
Annual Fee $0
Purchase APR 0% intro for the first 20 months (then 13.99% to 23.99% variable)
Balance transfer APR 0% intro for the first 20 months (then 13.99% to 23.99% variable)
Welcome offer N/A
Rewards N/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 to 1x
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 offer N/A
Rewards 1x 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 to 5%
Cash back
$200
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 $200 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 billing cycles, 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 billing cycles (then 13.99% to 23.99% variable)
Welcome offer $200 after spending $500 in the first 90 days
Rewards 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

How we selected our top cards

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

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 15 billing cycles (then 11.99% to 22.99% variable)
$0
Earn $500 cash back after you spend $4,500 on purchases in the first 150 days from account opening. Rates & Fees
U.S. Bank Business Platinum
N/A
0% intro for the first 20 billing cycles (then 9.99% to 17.99% variable)
$0
Enjoy a 0% intro APR on purchases and balance transfers for the first 20 billing cycles, reverting to a variable 9.99% to 17.99% APR. 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
16.49% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 75,000 points after spending $7,500 in the first 4 months. 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
13.99% to 23.99% variable
$0
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
N/A
0% intro for the first 20 months (then 13.99% to 23.99% variable)
$0
0% intro APR on purchases and balance transfers for the first 20 months from account opening.
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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 an assortment of credit cards, including a wide variety of business card options.

Cash back

U.S. Bank offers just one personal cashback card, the U.S. Bank Cash+™ Visa Signature® Card.

Typical benefits
  • Cash back. Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories of your choosing, then 1%. Plus earn 2% back on one everyday category of your choice and 1% back on all other purchases.
  • Signup bonus. You can earn a $200 signup bonus after spending $500 within 90 days of account opening.
  • No annual fee. You won’t pay an annual fee to use this cashback card.
U.S. Bank cashback cards
  • U.S. Bank Cash+™ Visa Signature® Card

Travel

U.S. Banks offers two travel card options. One option serves as the lender’s premier luxury card. Both feature an annual fee, but have varying perks.

Typical benefits
  • Points. You’ll earn points for eligible purchases. You can redeem these points on travel, cash back and more.
  • Signup bonus. Both U.S. Bank travel cards offer a large bonus point signup bonus when you meet the spending requirements.
  • Travel perks. Depending on which card you choose, you’ll enjoy a variety of travel perks. These can include annual statement credits, complimentary in-flight Wi-Fi, airport lounge access through Priority Pass, and more.
U.S. Bank travel credit cards
  • U.S. Bank Altitude Reserve Visa Infinite® Card
  • U.S. Bank FlexPerks® Gold American Express® Card
Annual feeRewards
U.S. Bank Altitude Reserve Visa Infinite® Card$400
  • 3x points on hotels and car rentals booked through Altitude rewards center
  • 3x points on travel purchases and mobile wallet purchases (Apple Pay, Google Pay, Samsung Pay and LG Pay)
  • 1x points on all other purchases
U.S. Bank FlexPerks® Gold American Express® Card$85
  • 5x FlexPoints on hotels and car rentals booked directly from the FlexPerks rewards center
  • 3x FlexPoints at restaurants
  • 2x FlexPoints at airlines and gas stations
  • 1x FlexPoints on all other purchases

Store and gas cards

U.S. Bank has extensive partnerships with multiple retailers, with more than a dozen store credit cards to choose from. These cards aren’t typically the best choice for everyday usage, though you might find them valuable if you shop frequently at a particular retailer.

Typical benefits
  • Rewards. Store and fuel cards work much like rewards cards, gaining points or cash back for eligible purchases. The main difference is most store cards can only earn and redeem rewards at a specific retailer.
  • No annual fee. Many of U.S. Bank’s store cards don’t require an annual fee for use.
  • Store specific discounts. You’ll usually receive card perks specific to the card’s cobranded retailer. For example, the Dillons Rewards World Mastercard offers ongoing discounts on gas when you meet the specific requirements.
U.S. Bank store and gas cards
  • Dillons Rewards World Mastercard
  • Fred Meyer Rewards World Mastercard
  • Fry’s Rewards World Mastercard
  • Harris Tetter Rewards World Mastercard
  • King Soopers Rewards World Mastercard
  • Kroger Rewards World Mastercard
  • Mariano’s Rewards World Mastercard
  • Pick’n Save Rewards World Mastercard
  • QFC Rewards World Mastercard
  • Ralphs Rewards World Mastercard
  • Smith’s Rewards World Mastercard
  • Quicken World Mastercard
  • REI World Mastercard

Business

You have three business cards to choose from with U.S. Bank. These cards will appeal to three different business cardholders: those looking for a rewards card, those looking for a cash back card, and those who simply need a low APR card.

Typical benefits
  • Business rewards. You can earn cash back or points on helpful business categories, including gas stations, office supply stores and cell phone service providers.
  • Signup bonus. Each business card offering from U.S. Bank offers some form of signup bonus.
U.S. Bank business cards
  • U.S. Bank Business Leverage® Visa Signature® Card
  • U.S. Bank Business Cash Rewards World Elite™ Mastercard®
  • U.S. Bank Business Platinum
Annual feeRewards
U.S. Bank Business Leverage® Visa Signature® Card$0 annual fee for the first year, $95 after that
  • 2x points on two categories where you spend most each month
  • 1x points on all other purchases
U.S. Bank Business Cash Rewards World Elite™ Mastercard®$0 annual fee
  • 3% cash back at gas stations, office supply stores and cell phone providers
  • 1% cash back on all other purchases
U.S. Bank Business Platinum$0 annual feeNo rewards program

Summary of U.S. Bank cards offers

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

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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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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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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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 a U.S. Bank 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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