U.S. Bank Credit Cards

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Here are the best offers for U.S. Bank credit cards. Compare offers side by side and apply online for the credit card that is right for you.

Here are the best offers for U.S. Bank credit cards. Compare offers side by side and apply online for the credit card that is right for you.

Best U.S. Bank credit cards of 2020:

Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.

All information about US Bank Credit Cards have been collected independently by CreditCards.com and has not been reviewed by the issuer.

Comparing U.S. Bank Credit Card Offers

A bank steeped in the history of America’s regional banks, U.S. Bank today offers a multitude of credit cards, as well as the usual fare of banking services. Here, we look at:

Editor’s notes on the best U.S. Bank cards

U.S. Bank Business Leverage® Visa Signature® Card

The Leverage card is arguably the best option for ease of use among U.S. Bank’s business card options. That’s because there is no manual maintenance required for earning rewards in business categories; each month, you will earn 2X points automatically in the two categories where you spend the most. On top of that, you’ll also earn an extra point for every dollar you spend in the first year. There is a $95 annual fee, but it is waived in the first year.


  • $0 annual fee for the first year, $95 thereafter
  • 2X points automatically in your top two categories each month
  • Earn 75,000 points after spending $7,500 in purchases in the first 4 months of account opening

What is U.S. Bank?

In 1863, First National Bank of Cincinnati opened its doors as a regional bank. Regional banks proliferated over the next century, and a series of mergers at the start of the 21st century predated the adoption of the U.S. Bank name. Today based in Minnesota, U.S. Bank is the fifth biggest in the country. As of Dec. 31, 2017, assets were $462 billion, and the bank employs 73,000 workers.

Savings, checking, mortgages – U.S. Bank’s services run the gamut. Here’s what is offered:

  • Online and mobile
  • Checking and savings
  • Credit cards
  • Mortgage and refinance
  • Loans and credit lines
  • Investing and retirement

Other benefits of having U.S. Bank cards

U.S. Bank rewards cards offer a variety of superior features, from access to celebrity chef tours and use of Silvercar to accident insurance and travel and emergency assistance. There are also benefits carried by all U.S. Bank personal cards.

All U.S. Bank personal cards

There are a few features all U.S. Bank personal cards have, including:

  • 24/7 U.S.-based customer service
  • Fraud protection
  • Chip technology
  • Online and mobile account access
  • Free TransUnion credit score
  • FlexControl budgeting tools
  • Spend analysis online reporting

Recap: Best U.S. Bank credit cards rated

Best ForCredit CardAnnual FeeOur Rating
Convenient business rewardsU.S. Bank Business Leverage® Visa Signature® Card$0 first year, then $95N/A

Laura is an editor and writer at CreditCards.com. She has written extensively on all things credit cards and works to bring you the most up-to-date analysis and advice. Laura’s work has been cited in such publications as the New York Times and Associated Press. You can reach her by e-mail at laura.mohammad@creditcards.com and on Twitter @creditcards_lm.