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U.S. Bank credit cards 2023: Which one is best for you?

Compare U.S. Bank rewards credit cards to see the best in 2023.

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.

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Name Product Filter values Rewards Purchase APR Annual fee
U.S. Bank Visa® Platinum Card
U.S. Bank Visa® Platinum Card
None
0% intro for the first 18 billing cycles (then 19.74% to 29.74% variable)
$0
0% intro APR on purchases and balance transfers for the first 18 billing cycles from account opening.
U.S. Bank Cash+® Visa Signature® Card
U.S. Bank Cash+® Visa Signature® Card
Up to 5% cash back
19.74% to 29.74% variable
$0
When you spend $1,000 on your card within the first 120 days, you’ll receive a $200 cash back bonus.
U.S. Bank Altitude® Go Visa Signature® Card
U.S. Bank Altitude® Go Visa Signature® Card
Up to 4x points
0% intro for the first 12 months (then 18.24% to 29.24% variable)
$0
Earn 20,000 bonus points, worth $200, after spending $1,000 in your first 90 days of account opening.
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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 2023, 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 0% intro APR

U.S. Bank Visa® Platinum Card

Finder score: 4.8 / 5 ★★★★★

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 travel rewards

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

Finder score: 4.3 / 5 ★★★★★

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 Triple Cash Rewards Visa® Business Credit Card

Finder score: 4.4 / 5 ★★★★★

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 Triple Cash Rewards Visa® Business Credit Card 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 establishing credit

Harley-Davidson® Visa® Secured Card

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 score: 4.4 / 5 ★★★★★

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

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 select the name of the card you want.
  4. On the new credit card page, scroll down and choose Apply now.
  5. Fill out your personal information and hit Next to complete the application.

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

U.S. Bank hasn’t stated a 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. But 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.

What U.S. Bank credit cards charge no annual fee?

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®

More rewards means you’ll pay an annual fee

Generally 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. 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. 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 Triple Cash Rewards Visa® Business Credit CardBusinesses 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?

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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U.S. Bank balance transfer credit cards

U.S. Bank offers three credit cards with a 0% intro APR period on balance transfers:

  • U.S. Bank Altitude® Go Visa Signature® Card
  • U.S. Bank Cash+® Visa Signature® Card
  • U.S. Bank Visa® Platinum Card

The first two cards offer rewards, while the third currently has the longest intro APR period for both purchases and balance transfers than any credit card on the market as of January 2022. What all three cards have in common is the balance transfer fee.

How to compare balance transfer credit cards

Before you start your balance transfer process, here’s what to keep an eye out for:

  • Balance transfer fees. All U.S. Bank credit cards come with a 3% balance transfer fee, with a $5 minimum fee. This means, a balance transfer of $5,000 will cost you $150 in transfer fees.
  • Balance transfer amount. U.S. Bank doesn’t disclose the amount you can transfer. Typically, though, banks accept transfers of either 95% or 100% of your available credit limit.
  • Originating bank. U.S. Bank won’t accept balance transfers from other U.S. Bank credit cards. All transfers must be made from other banks and financial institutions that aren’t affiliated with U.S. Bank.
  • What happens after the intro period ends? If you still have any unpaid balance, you start to accrue interest with the revert APR.
  • No rewards on balance transfers. Even if the card earns rewards on all purchases, you won’t earn any rewards on balance transfers.

Why choose a U.S. Bank business credit card?

Despite the limited availability of the issuer, U.S. Bank business credit cards still offer a variety of strengths. Note that these perks aren’t necessarily included on all U.S. Bank business credit cards.

  • Spending controls. Set controls on your employees’ cards based on time, amount and location. You can also customize due dates and set alerts.
  • Fraud liability protection. You won’t be held liable for any unauthorized charges made with your card.
  • Travel and car rental insurance. You’re covered against accidental death and dismemberment when traveling on a common carrier when you pay the ticket entirely with your card. You also get coverage against theft and damage when you rent a car.
  • Online banking. Log on to your online banking account at the U.S. Bank website to pay bills and manage your spending.
  • Relationship rewards. Earn more rewards whenever your customers pay you with a credit card.
  • U.S. Bank mobile app. Download the mobile app and send payments, set alerts, find nearby ATMs and more.

How to choose the best U.S. Bank credit cards

There are several aspects to take into consideration when deciding which credit card is best for your business. Here are a few:

  • Do you live in a state with a U.S. Bank branch? If you don’t, you won’t be able to get any of their business credit cards.
  • Does your business spend on gas and office supplies? In that case, the best card for your company could be the U.S. Bank Triple Cash Rewards Visa® Business Credit Card. You’ll get to earn higher cash back on these categories, plus you’ll get a bonus — based on your spending — of up to $250 every year. And what’s better is you get everything without having to pay an annual fee.
  • Do you want a low APR? For businesses with cashflow difficulties, a card with an intro APR for balance transfers and purchases and an overall low APR after that could be the right choice. The U.S. Bank Business Platinum offers a long intro APR period and, depending on your creditworthiness, you could get an APR as low as 17.24% variable.
  • Does your business require frequent travel? If it does, the U.S. Bank FlexPerks® Business Travel Rewards could be a good pick. You get to earn points on a category you spend the most on each month, and you can redeem your points for travel rewards, shopping or cash back. Plus, if you spend at least $24,000 a year, U.S. Bank will credit your card’s annual fee.
  • Do you often fly with Korean Air? For frequent Korean Air flyers, the SKYPASS Visa Business Card could be most useful. It lets you earn SKYPASS miles with every purchase, plus you get two Korean Air lounge coupons every year.
  • Do you stay at Radisson hotels? If your business travels often lead you to Radisson hotels, the Radisson Rewards™ Business Visa® Card could be the best choice. You’ll earn points on every purchase, and the signup bonus alone is enough for nine Category 1 standard room redemptions.

Full list of U.S. Bank credit cards

Personal

  • U.S. Bank Altitude® Reserve Visa Infinite® Card
  • U.S. Bank Altitude® Go Visa Signature® Card
  • U.S. Bank Cash 365™ American Express® Card
  • U.S. Bank Cash+® Visa Signature® Card
  • U.S. Bank FlexPerks® Gold American Express® Card
  • U.S. Bank Flexperks® Select+ American Express® Card
  • U.S. Bank FlexPerks® Travel Rewards® Visa Signature® Card
  • U.S. Bank Secured Visa® Card
  • U.S. Bank Visa® Platinum Card

Business

  • U.S. Bank Triple Cash Rewards Visa® Business Credit Card
  • U.S. Bank Business Leverage® Visa Signature® Card
  • U.S. Bank Business Platinum
  • U.S. Bank FlexPerks® Business Travel Rewards

Cobranded

  • AeroMexico Visa® Secured Card
  • BMW Precision World Elite Mastercard®
  • Harley-Davidson® Visa® Secured Card
  • Quicken® World Mastercard®
  • Radisson Rewards™ Business Visa® Card
  • Radisson Rewards™ Visa Signature® Card
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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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