Compare U.S. Bank credit cards October 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	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	View details	When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees	Compare	loading Fetching your data...
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	View details	Earn 30,000 points after spending $2,000 in the first 4 months.	Compare	loading Fetching your data...
U.S. Bank Secured Visa® Card	N/A	25.49% variable	$0	View details	Get worldwide purchasing power and flexibility as you work to build or re-establish your credit history.	Compare	loading Fetching your data...

loading

Compare up to 4 providers

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.

Quick look at the best U.S. Bank credit cards

U.S. Bank FlexPerks® Gold American Express® Card: Best for travel rewards card
U.S. Bank Business Cash Rewards World Elite™ Mastercard®: Best for business rewards card
U.S. Bank Visa® Platinum Card: Best for 0% intro APR card
Harley-Davidson® Visa® Secured Card: Best for establishing credit card
U.S. Bank Cash+™ Visa Signature® Card: Best for cash back

Best for travel rewards

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

Finder rating 4.3 / 5 ★★★★★

Read ReviewTerms 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.

Pros
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.
Cons
Annual fee. You’ll pay a yearly fee of $85 to own the card.
No intro APR period. The card comes with a purchase and balance transfer APR of 16.74% to 26.74% variable right off the bat.

Annual fee	$85
Purchase APR	16.74% to 26.74% variable
Balance transfer APR	16.74% to 26.74% variable
Welcome Offer	30,000 points worth $450, after spending $2,000 in the first 4 months
Estimated welcome offer value	$450 based on Finder's valuation
Rewards	Up to 5x points

Pros

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.

Cons

Annual fee. You’ll pay a yearly fee of $85 to own the card.
No intro APR period. The card comes with a purchase and balance transfer APR of 16.74% to 26.74% variable right off the bat.

Annual fee	$85
Purchase APR	16.74% to 26.74% variable
Balance transfer APR	16.74% to 26.74% variable
Welcome Offer	30,000 points worth $450, after spending $2,000 in the first 4 months
Estimated welcome offer value	$450 based on Finder's valuation
Rewards	Up to 5x points

Welcome Offer	30,000 points
Rewards	Up to 5x points
Annual Fee	$85
Minimum Credit Score	670

Read ReviewTerms apply, see rates & fees

Best for business rewards

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

Finder rating 4.4 / 5 ★★★★★

Read ReviewTerms 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.

Pros
Intro APR period. Get a 0% intro APR period on purchases and balance transfers for the first 15 billing cycles following your account opening. A variable APR of 15.49% to 24.49% applies thereafter.
Cashback. Earn 3% cash back on gas up to $200 per purchase, 1% after that, and 3% back on office supplies and cell phone purchases. Everything else you buy earns 1% cash back.
Signup bonus. Spend $4,500 within your first 150 days to earn $500 bonus.
Annual cashback bonus. Earn 25% bonus based on the cash back you earned during your previous year. The maximum bonus you can get is $250.
No annual fee. There's no annual fee to own the card or to add additional employee cards.
Cons
Potentially high APR. Depending on your creditworthiness, you could receive an ongoing purchase and balance transfer APR as high as 24.49% variable.
Penalty APR. U.S. Bank may raise your purchase, balance transfer and cash advance APR up to 29.99% fixed after one late or returned payment or if you exceed your credit limit two times in 12 consecutive months. This rate applies until you make six consecutive minimum payments on time and don’t exceed your credit limit in that same period.

Annual fee	$0
Purchase APR	0% intro for the first 15 billing cycles (then 15.49% to 24.49% variable)
Balance transfer APR	0% intro for the first 15 billing cycles (then 15.49% to 24.49% variable)
Welcome Offer	$500 after spending $4,500 in the first 150 days
Rewards	Up to 3% cash back

Pros

Intro APR period. Get a 0% intro APR period on purchases and balance transfers for the first 15 billing cycles following your account opening. A variable APR of 15.49% to 24.49% applies thereafter.
Cashback. Earn 3% cash back on gas up to $200 per purchase, 1% after that, and 3% back on office supplies and cell phone purchases. Everything else you buy earns 1% cash back.
Signup bonus. Spend $4,500 within your first 150 days to earn $500 bonus.
Annual cashback bonus. Earn 25% bonus based on the cash back you earned during your previous year. The maximum bonus you can get is $250.
No annual fee. There's no annual fee to own the card or to add additional employee cards.

Cons

Potentially high APR. Depending on your creditworthiness, you could receive an ongoing purchase and balance transfer APR as high as 24.49% variable.
Penalty APR. U.S. Bank may raise your purchase, balance transfer and cash advance APR up to 29.99% fixed after one late or returned payment or if you exceed your credit limit two times in 12 consecutive months. This rate applies until you make six consecutive minimum payments on time and don’t exceed your credit limit in that same period.

Annual fee	$0
Purchase APR	0% intro for the first 15 billing cycles (then 15.49% to 24.49% variable)
Balance transfer APR	0% intro for the first 15 billing cycles (then 15.49% to 24.49% variable)
Welcome Offer	$500 after spending $4,500 in the first 150 days
Rewards	Up to 3% cash back

Welcome Offer	$500
Rewards	Up to 3% cash back
Annual Fee	$0
Minimum Credit Score	740

Read ReviewTerms apply, see rates & fees

Best for 0% intro APR

U.S. Bank Visa® Platinum Card

Finder rating 4.8 / 5 ★★★★★

Read ReviewTerms 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.

Pros
Intro APR period. Make purchases and balance transfers at a 0% intro APR for your first 24 billing cycles of card membership. After the intro period expires, your rate reverts to variable 16.74% to 26.74%%.
Cell phone protection. Pay your cell phone bill with your card and get coverage for your phone against damage or theft up to $600, with a $25 deductible.
No annual fee. You won't pay an annual fee for the life of the card.
Cons
No signup bonus. Most credit cards offer a signup bonus after you meet specific criteria. Unfortunately, this card doesn’t have one.
Balance transfer limits. Make sure you transfer your balances within 60 days of card membership. Otherwise, you won’t get the intro APR period on balance transfers.
Potentially high APR. If you have a weak credit history, you may be given an interest rate up to 26.74% variable. That’s high, considering the average APR is around 16%.

Annual fee	$0
Purchase APR	0% intro for the first 24 billing cycles (then 16.74% to 26.74% variable)
Balance transfer APR	0% intro for the first 24 billing cycles (then 16.74% to 26.74% variable)
Welcome Offer	N/A
Rewards	None

Pros

Intro APR period. Make purchases and balance transfers at a 0% intro APR for your first 24 billing cycles of card membership. After the intro period expires, your rate reverts to variable 16.74% to 26.74%%.
Cell phone protection. Pay your cell phone bill with your card and get coverage for your phone against damage or theft up to $600, with a $25 deductible.
No annual fee. You won't pay an annual fee for the life of the card.

Cons

No signup bonus. Most credit cards offer a signup bonus after you meet specific criteria. Unfortunately, this card doesn’t have one.
Balance transfer limits. Make sure you transfer your balances within 60 days of card membership. Otherwise, you won’t get the intro APR period on balance transfers.
Potentially high APR. If you have a weak credit history, you may be given an interest rate up to 26.74% variable. That’s high, considering the average APR is around 16%.

Annual fee	$0
Purchase APR	0% intro for the first 24 billing cycles (then 16.74% to 26.74% variable)
Balance transfer APR	0% intro for the first 24 billing cycles (then 16.74% to 26.74% variable)
Welcome Offer	N/A
Rewards	None

Welcome Offer	n/a
Rewards	None
Annual Fee	$0
Minimum Credit Score	740

Read ReviewTerms apply, see rates & fees

Best for establishing credit

Harley-Davidson® Visa® Secured Card

Read ReviewTerms 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.

Pros
Build your credit. The card reports to all three major credit bureaus, Equifax, Experian and TransUnion. This means you could quickly build your credit if you keep your utilization low and pay your balance on time.
No annual fee. You won't have to pay an annual fee to use this card.
Rewards. Sure, you're earning Harley Davidson points, but it's more than most secured cards offer.
Cons
Big minimum security deposit. You'll need to put down at least $300 to get started with this card.

Pros

Build your credit. The card reports to all three major credit bureaus, Equifax, Experian and TransUnion. This means you could quickly build your credit if you keep your utilization low and pay your balance on time.
No annual fee. You won't have to pay an annual fee to use this card.
Rewards. Sure, you're earning Harley Davidson points, but it's more than most secured cards offer.

Cons

Big minimum security deposit. You'll need to put down at least $300 to get started with this card.

Welcome Offer	n/a
Rewards	Up to 1x points
Annual Fee	$0
Minimum Credit Score	300

Read ReviewTerms apply, see rates & fees

Best for cash back

U.S. Bank Cash+™ Visa Signature® Card

Finder rating 4.4 / 5 ★★★★★

Read ReviewTerms 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.

Pros
Signup bonus. Get a $150 cash back bonus once you spend $500 in your first 90 days of card membership. Competitor cards offer the same bonus amount but you need to spend from $1,000 to $1,500 to claim it.
Cash back. Earn 5% cash back on up to $2,000 each quarter you activate in combined purchases in two categories of your choice, after that you get 1% back. You also earn 2% back on one category like gas or groceries, and 1% back on everything else you buy. Redeem cash back as a statement credit or as a deposit made to your U.S. Bank savings, checking or money market account. Alternatively, get your cash back as a U.S. Bank rewards card.
Intro APR period on balance transfers. Enjoy a 0% intro APR period on balance transfers for the first 15 months following your account opening for transfers completed within 60 days of card membership. After that, a variable APR of 16.74% to 26.74% will apply.
Cons
Must enroll in rewards. Each quarter, you must go online and register which two categories where you want to earn 5% and 2% cash back. Enroll 45 days before the beginning of or during each quarter. Otherwise, you'll earn 1% back on these categories.

Annual fee	$0
Purchase APR	16.74% to 26.74% variable
Balance transfer APR	0% intro for the first 15 months (then 16.74% to 26.74% variable) Balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
Welcome Offer	$150 after spending $500 in the first 90 days
Rewards	Up to 5% cash back

Pros

Signup bonus. Get a $150 cash back bonus once you spend $500 in your first 90 days of card membership. Competitor cards offer the same bonus amount but you need to spend from $1,000 to $1,500 to claim it.
Cash back. Earn 5% cash back on up to $2,000 each quarter you activate in combined purchases in two categories of your choice, after that you get 1% back. You also earn 2% back on one category like gas or groceries, and 1% back on everything else you buy. Redeem cash back as a statement credit or as a deposit made to your U.S. Bank savings, checking or money market account. Alternatively, get your cash back as a U.S. Bank rewards card.
Intro APR period on balance transfers. Enjoy a 0% intro APR period on balance transfers for the first 15 months following your account opening for transfers completed within 60 days of card membership. After that, a variable APR of 16.74% to 26.74% will apply.

Cons

Must enroll in rewards. Each quarter, you must go online and register which two categories where you want to earn 5% and 2% cash back. Enroll 45 days before the beginning of or during each quarter. Otherwise, you'll earn 1% back on these categories.

Annual fee	$0
Purchase APR	16.74% to 26.74% variable
Balance transfer APR	0% intro for the first 15 months (then 16.74% to 26.74% variable) Balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
Welcome Offer	$150 after spending $500 in the first 90 days
Rewards	Up to 5% cash back

Welcome Offer	$150
Rewards	Up to 5% cash back
Annual Fee	$0
Minimum Credit Score	670

Read ReviewTerms apply, see rates & fees

Back to top

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:

Head to the U.S. Bank site, hover over Personal and click on Credit cards.
Click on Credit cards (overview) to view the various credit card categories.
Select your card category and click on the name of the card you want.
On the new credit card page, scroll down and click Apply now.
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.

Back to top

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:

U.S. Bank Cash+™ Visa Signature® Card
U.S. Bank Visa® Platinum Card
Quicken® World Mastercard®
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®

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 card	Best for	Typical benefits
U.S. Bank Cash+™ Visa Signature® Card	Everyday purchases	Cash back Signup bonus No annual fee
U.S. Bank Altitude® Reserve Visa Infinite® Card	Travelers 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® Card	Travelers 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® Card	Businesses 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 Platinum	Businesses 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 cards	Everyone who is a loyal customer to a particular retailer	Rewards at the retailer No annual fee

Back to top

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.

Back to top

Full list of U.S. Bank credit cards

Personal

Business

U.S. Bank Business Cash Rewards World Elite™ Mastercard®
U.S. Bank Business Leverage® Visa Signature® Card
U.S. Bank Business Platinum
U.S. Bank FlexPerks® Business Travel Rewards

Cobranded

Back to top

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.

Back to top

Thank you for your feedback!

Steven Dashiell

Steven Dashiell is Senior Writer, Personal Finance at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, NASDAQ, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.

More guides on Finder

How to activate a US Bank credit card
There are three ways to activate a US Bank credit card.
How to get a U.S. Bank cash advance
Use your U.S. Bank credit card to make cash withdrawals, but at a high cost.
U.S. Bank credit cards with no foreign transaction fee
A few U.S. Bank-branded cards offer no foreign transaction fees.

Ask an Expert

Click here to cancel reply.

Display Name

Your Email (will not be published)

Your Question

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

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.