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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.
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. Those cards that outperformed the others in a given category were chosen for our list.
In 2021, 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.
| 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 |
| Estimated welcome offer value | $450 based on Finder's valuation |
| Rewards | 3x points at restaurants, 2x at gas stations 2x at airlines and 1x on all other purchases |
| 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 |
| Estimated welcome offer value | |
| Rewards | 3% cash back on gas, cell phone services, and office supply stores and 1% back on all other purchases |
| Annual Fee | $0 |
|---|---|
| Purchase APR | 0% intro for the first 20 months (then 14.49% to 24.49% variable) |
| Balance transfer APR | 0% intro for the first 20 months (then 14.49% to 24.49% variable) |
| Welcome offer | N/A |
| Estimated welcome offer value | |
| Rewards | N/A |
| Annual Fee | $0 |
|---|---|
| Purchase APR | 22.99% variable |
| Balance transfer APR | 22.99% variable |
| Welcome offer | N/A |
| Estimated welcome offer value | |
| Rewards | 1x points on all purchases |
| Annual Fee | $0 |
|---|---|
| Purchase APR | 13.99% to 23.99% variable |
| Balance transfer APR | 0% intro for the first 12 months (then 13.99% to 23.99% variable) |
| Welcome offer | $150 after spending $500 in the first 90 days |
| Estimated welcome offer value | |
| 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 |
You can apply for a U.S. Bank credit card in person or online. To apply online:
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:
U.S. Bank doesn’t have a stated restriction on the number of credit cards you can have.
Back to topIf you want to maximize the value of your U.S. Bank credit cards, here’s what to consider:
U.S. Bank offers some of the best credit cards you can currently get. As of March 2021, U.S. Bank offers the longest balance transfer period on one of its cards. There’s also excellent reward cards for dining, travel and rotating categories, which are either on par or exceed competitor cards. There’s even a secured credit card for building credit and a few business credit cards.
The only type of card U.S. Bank lacks is a student card. But students can always become authorized users to someone else’s U.S. Bank credit card, they can enjoy the card’s benefits and build credit at the same time.
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 safe you hefty fees. Your US Bank no annual fee card options include:
Generally, yes. For most credit cards, the higher the annual fee you pay, the higher your perks and rewards earned.
US Bank annual fee credit cards tend to result in the following perks.
| Credit card | Best for | Typical benefits |
|---|---|---|
| U.S. Bank Cash+™ Visa Signature® Card | Everyday purchases |
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| U.S. Bank Altitude® Reserve Visa Infinite® Card | Travelers who want premium travel perks |
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| U.S. Bank FlexPerks® Gold American Express® Card | Travelers who want an affordable card with excellent travel perks |
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| U.S. Bank Business Leverage® Visa Signature® Card | Businesses that spend on a variety of categories |
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| U.S. Bank Business Cash Rewards World Elite™ Mastercard® | Businesses that spend on gas, office supplies and cell phone services |
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| 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 |
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| Store and gas cards | Everyone who is a loyal customer to a particular retailer |
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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.
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.
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.
Whether you’re rebuilding your credit, growing your business, looking for no-annual-fee options or a premium cards, you’ll find a competitive choice in most U.S. Bank credit card categories.
But if you feel like you’re missing something, check out some of U.S. Bank’s alternatives, such as the Chase Freedom Flex℠with 5% back on rotating categories, or the Platinum Card® from American Express where you earn 5x points on prepaid hotels.
Back to topSet your sights on this dining rewards card.
There are three ways to activate a US Bank credit card.
Use your U.S. Bank credit card to make cash withdrawals, but at a high cost.
Use your card responsibly to boost your purchasing power.
Offers home equity loans and HELOCs, but the application process varies by state.
A few U.S. Bank-branded cards offer no foreign transaction fees.
Get a balance transfer intro APR up to 18 months long with a U.S. Bank card.
Earn points with the U.S. Bank FlexPerks Gold American Express Card and redeem for travel purchases, cash back, gift cards or merchandise.
Discover the best cards for travel perks, cashback rewards, intro APR periods and more.
