Compare U.S. Bank credit cards - finder.com
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Compare U.S. Bank credit cards

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A range of cards that come with great reward potential.

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 reward opportunities or unique flexibility in the way you make the most of your card.

Compare U.S. Bank credit cards

Name Product Filter values Rewards Purchase APR Annual Fee
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
16.24% to 25.74% variable
$0
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees
2x points on gas, groceries or airlines, whichever you spend the most on each month, 2x points on cell phone services and charities and 1x points on all other purchases
16.24% to 26.24% variable
$0 intro annual fee for the first year ($49 thereafter)
Earn 25,000 enrollment FlexPoints worth $375 in travel after spending $2,000 in the first 4 months. Rates & Fees
N/A
0% intro for the first 20 billing cycles (then 12.24% to 20.24% variable)
$0
Enjoy a market-leading 0% intro APR on purchases and balance transfers for the first 20 billing cycles, reverting to a variable 12.24% to 20.24% APR. Rates & Fees
3x points in a chosen category and 1x points on all other purchases
0% intro for the first 9 billing cycles (then 14.24% to 25.24% variable)
$0
Earn 20,000 extra points when you spend $1,000 in eligible purchases within the first 90 days after opening your account.
2x points at gas stations, office supply stores or airlines, whichever you spend most on each month, 2x on cell services and charity and 1x on all other purchases
14.24% to 25.24% variable
$0 intro annual fee for the first year ($55 thereafter)
Earn 25,000 bonus FlexPoints worth $375 on airfare, hotel stays, car rentals and more when you spend $2,000 in purchases within the first 4 months of account opening.

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Best U.S. Bank credit cards

Best travel rewards card: U.S. Bank FlexPerks® Travel Rewards® Visa Signature® Card

The U.S. Bank FlexPerks® Travel Rewards® Visa Signature® Card combines simplicity with flexibility. You’ll earn 2x FlexPoints on the eligible category you spend the most on each month and you can get a head start on your earnings with an easy to obtain signup bonus.

Best for business rewards: U.S. Bank Business Cash Rewards World Elite™ Mastercard®

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

U.S. Bank Visa® Platinum Card

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.

Best card for establishing credit: Harley-Davidson® Visa® Secured Card

Harley-Davidson® Visa® Secured Card
Despite the cobranding, the Harley-Davidson® Visa® Secured Card is a terrific option for just about anyone looking to rebuild their credit.
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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?

The value of FlexPoints depend on what you’re redeeming them on. As of February 2019, the U.S. Bank site says the current value of FlexPoints when redeemed on travel is 1.5 cents per point.

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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?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. To apply online, simply head to the credit card section of the U.S. site, click on the card you’re interested in and then click the “Apply now” button on the credit card page.

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.
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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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Bottom line

Whether you’re rebuilding your credit, growing your business, looking for a 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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