
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
finder.com’s rating: 4.8 / 5
★★★★★
$0
Annual fee
0%
Intro purchase APR
for the first 20 months (then 14.49% to 24.49% variable)
0%
Intro balance transfer
for the first 20 months (then 14.49% to 24.49% variable)
14.49% to 24.49%
Balance transfer APR (variable)
Review by
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
Automated preapproval means you’ll likely get a decision within a minute. If additional information is needed, U.S. Bank will send you a response within a few business days to a few weeks.
Once approved, expect your card to arrive in the mail within seven to 10 business days.
To get the 0% intro APR period on balance transfers for the first 20 months following your account opening, make your transfers within 60 days of card membership. After the intro period passes, or if you make transfers after your first 60 days, a variable APR of 14.49% to 24.49% will apply.
Each balance transfer will cost you $5 or 3% of the transaction, whichever is greater. This means a balance transfer of $3,000 will cost $90 in fees.
To apply for this card, you must be a US resident and at least 18 years old.
You’ll need to provide the following information:
Apply with an excellent credit score of 740 or higher. If you have an excellent credit score and low utilization, you may get a low APR and high credit limit.
The Better Business Bureau (BBB) has accredited U.S. Bank since 1970 and gives it a B rating. Most negative feedback on the BBB website revolves around poor customer service and issues with legitimate transactions being marked as fraudulent. Some customers claim that when they used their credit card outside of their home area, U.S. Bank marked these charges as fraudulent and locked the card from further use.
Many card users were happy with the long intro APR period and the low APR they received after that. Not all customers got a low APR though, and said they wouldn’t be using the card anymore because of that.
If you have a great credit history and you usually carry your balance — or if you want to make a balance transfer from another non-U.S. Bank account — this could be an ideal card for you. And after your intro period ends, you may get a low APR.
Even if your credit history isn’t perfect, you can still make use of the long intro APR period and may be able to improve your credit score in the process.
If you’re not sure this is the right card for you, check out other cashback or balance transfer credit cards and compare your options to find the best one for your unique situation.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.
Images: USBank.com