U.S. Bank Credit Cards

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.

See the best credit card offers from U.S. Bank below.

Summary

Best U.S. Bank credit cards of 2018:

U.S. Bank Visa® Platinum Card

Excellent Credit Recommended (740-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at U.S. Bank's Secure Site

At A Glance

Annual Fee
$0*
Balance Transfer Intro APR
0%* intro on BTs for 20 months
Regular APR
11.99% - 23.99% variable

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Highlights

  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 11.99% - 23.99%
  • Great Offer for Customers of U.S. Bank, a 2018 World's Most Ethical Company® - Ethisphere Institute, February 2018
  • No Annual Fee
  • Flexibility to choose a payment due date that fits your schedule
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.

Rates & Fees

Annual Fee
$0*
Intro Purchase APR
0%* for 20 billing cycles on purchases*
Regular APR
11.99% - 23.99%* (Variable)
Intro Balance Transfers APR
0%* intro on BTs for 20 months

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U.S. Bank Altitude™ Reserve Visa Infinite® Card

Excellent Credit Recommended (740-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at U.S. Bank's Secure Site

At A Glance

Annual Fee
$400*
Balance Transfer Intro APR
N/A
Regular APR
17.74% variable

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Highlights

  • Exclusive to U.S. Bank customers
  • New Cardmember Bonus: 50,000 bonus points worth $750 on travel when you spend $4,500 in eligible net purchases within the first 90 days of account opening
  • Up to $325 annual statement credits for eligible net travel purchases
  • Earn 3X points for every $1 on eligible net travel purchases & mobile wallet spending
  • Complimentary Gogo® Inflight Wi-Fi – get 12 passes per year
  • Airport Lounge Access to 1,000+ Priority PassTM lounges worldwide
  • TSA Pre✓® or Global Entry – up to $100 statement credit reimbursement for the application fee once every four years
  • See additional U.S. Bank Altitude™ Reserve Visa Infinite® Card details

Rates & Fees

Annual Fee
$400*
Intro Purchase APR
N/A
Regular APR
17.74%* (Variable)
Intro Balance Transfers APR
N/A

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U.S. Bank Cash 365™ American Express® Card

Excellent Credit Recommended (740-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at U.S. Bank's Secure Site

At A Glance

Annual Fee
$0*
Balance Transfer Intro APR
0%* intro on BTs for 12 months
Regular APR
15.99% - 24.99% variable

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Highlights

  • New Cardmember bonus: $150 after you spend $500 in eligible net purchases in the first 90 days of account opening.
  • Unlimited 1.5% cash back on all eligible net purchases.
  • No categories. Just use your card and earn unlimited cash back.
  • Cash back never expires and no minimum redemption options.
  • No Annual Fee*.
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 15.99% - 24.99%

Rates & Fees

Annual Fee
$0*
Intro Purchase APR
N/A
Regular APR
15.99% - 24.99%* (Variable)
Intro Balance Transfers APR
0%* intro on BTs for 12 months

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

Excellent Credit Recommended (740-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at U.S. Bank's Secure Site

At A Glance

Annual Fee
$95*
Balance Transfer Intro APR
N/A
Regular APR
18.49% variable

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Highlights

  • Earn up to 100,000 bonus points in the first 365 days of account opening with an additional point on all eligible net purchases.
  • 2X in your top 2 categories - Earn two points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month - automatically.
  • 1X – Earn one point per dollar spent on all other eligible net purchases.
  • No caps or limits – On the total points you can earn.
  • Earn even more rewards – When you link you card to your U.S. Bank payment processing account. Only U.S. Bank rewards you for both taking payments and making purchases. Go to usbrelationshiprewards.com for more details.
  • Free employee cards

Rates & Fees

Annual Fee
$95*
Intro Purchase APR
N/A
Regular APR
18.49% (Variable)
Intro Balance Transfers APR
N/A

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

Excellent Credit Recommended (740-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at U.S. Bank's Secure Site

At A Glance

Annual Fee
$0*
Balance Transfer Intro APR
N/A
Regular APR
13.99% - 24.99% variable

See Rates & Fees

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Highlights

  • Earn a new cardmember bonus of $200 after you spend $1000 in net purchases on your card within the first 90 days of account opening.
  • 3% cash back on cellular, gas stations and office supply store net purchases
  • 1% cash back on other net purchases
  • No cap on total rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee*
  • Net purchases are purchases minus credits and returns

Rates & Fees

Annual Fee
$0*
Intro Purchase APR
0%* for 9 billing cycles on purchases*
Regular APR
13.99%-24.99%* (Variable)
Intro Balance Transfers APR
N/A

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U.S. Bank Business Platinum

Excellent Credit Recommended (740-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at U.S. Bank's Secure Site

At A Glance

Annual Fee
$0*
Balance Transfer Intro APR
0%* intro on BTs for 12 billing cycles on balance transfers*
Regular APR
11.99% - 19.99% variable

See Rates & Fees

Show Less

Highlights

  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions

Rates & Fees

Annual Fee
$0*
Intro Purchase APR
0%* for 12 billing cycles on purchases*
Regular APR
11.99%-19.99%* (Variable)
Intro Balance Transfers APR
0%* intro on BTs for 12 billing cycles on balance transfers*

View All Card Details

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U.S. Bank Business Select Rewards

Excellent Credit Recommended (740-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at U.S. Bank's Secure Site

At A Glance

Annual Fee
$0*
Balance Transfer Intro APR
N/A
Regular APR
13.99% - 24.99% variable

See Rates & Fees

Show Less

Highlights

  • Earn 20,000 bonus points after you spend $1000 in net purchases during the first 90 days after opening your account
  • Earn 3 points per dollar on net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
  • Earn 1 point per dollar on other net purchases
  • No cap on total points you can earn
  • No annual fee*
  • Net purchases are purchases minus credits and returns

Rates & Fees

Annual Fee
$0*
Intro Purchase APR
0%* for 9 billing cycles on purchases*
Regular APR
13.99%-24.99%* (Variable)
Intro Balance Transfers APR
N/A

View All Card Details

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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.


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 Cash+™ Visa Signature® Card

This card has a twist on rotating categories – earn 5% back each quarter on 2 categories of your choice for up to $2,000 a quarter combined, then earn 2% unlimited cash back on your choice of one category, like gas stations, grocery stores or restaurants and 1% cash back on all other eligible purchases.

There's also the $150 cash back after a $500 spend within the first 90 days of card membership.

Highlights

  • 0% intro APR, 12 billing cycles, balance transfers (then variable APR applies, currently 15.99% - 24.99% variable)
  • No annual fee
  • No limit on total cash back earned

Chase Freedom vs. U.S. Bank Cash+ Visa Signature...

CardChase FreedomU.S. Bank Cash+ Visa Signature
Sign-up bonus$150 / $500 spend in 3 mths$150 / $500 spend in 90 days
Ongoing 5% rewards5% * $500/mth5% * $500/mth
Other ongoing rewards1% * $250/mth2% * $250/mth
Annual fee$0$0
Total end of first yr$480$510

U.S. Bank Visa® Platinum Card

Wow. Just wow. This card offers a whopping 20 billing cycles with 0% APR for both purchases and balance transfers, taking you well into 2020 for paying down debt without facing interest charges. After that, 11.99% - 23.99% variable APR applies.

There's also the pleasant surprise of up to $600 protection on your cellphone (with a $25 deductible) against covered damage or theft when you pay your monthly bill with this card.

Highlights

  • No annual fee
  • Choose your due date
  • Low go-to rate of 11.99% - 23.99% variable

U.S. Bank Altitude™ Reserve Visa Infinite® Card

This card, exclusively for U.S. Bank customers, carries a heavy load for the frequent traveler, making it well worth the $400 annual fee.

Offering 50,000 points after a $4,500 spend within the first 90 days of card membership, this card competes head-to-head with the Chase Sapphire Reserve, making those points worth $750 toward travel. There's also up to $325 in statement credit for eligible travel purchases and 3X points for eligible travel and mobile wallet purchases.

Highlights

  • TSA PreCheck or Global Entry, up to $100 application fee reimbursement
  • Airport lounge access
  • Chauffeur service at a discount

Sapphire Reserve vs. Altitude Reserve Visa Infinite...

CardChase Sapphire ReserveU.S. Bank Altitude Reserve Visa Infinite
Sign-up bonus50,000 pts / $4,000 spend in 3 mths50,000 pts / $4,500 spend in 90 days
Ongoing rewards3 pts * $1,000/mth = 36,000 pts3 pts * $1,000/mth = 36,000 pts
Ongoing rewards boost3X pts for worldwide travel, restaurants/plus 50%3X pts for travel, mobile wallet/plus 50%
Travel credit$300$325
Annual fee$450$400
Total end of first yr$1,140$1,215

U.S. Bank Cash 365™ American Express® Card

This card competes well with the Chase Freedom Unlimited, with the $150 cash back after a $500 spend within 90 days of account opening and 1.5% back ongoing rewards on all purchases. This means there are no rotating categories – no worrying about approaching limits or quarterly sign-ups.

Highlights

  • 0% intro APR, 12 billing cycles for balance transfers (then 15.99% - 25.99% variable)
  • No annual fee
  • No minimum redemption options

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.

Highlights

  • $0 annual fee for the first year, $95 thereafter
  • 2X points automatically in your top two categories each month
  • 1 extra bonus point per dollar for the first 365 days, up to 100,000 bonus points

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

This no-annual-fee business card provides $200 cash back after a $1,000 spend within 90 days of card membership, as well as 3% back at office supply stores, gas stations and cellular service. One thing to note: Unlike many of its competitors, the Business Edge Cash Rewards has no limit on its tiered categories. Also, you can receive a 25% annual bonus based on your prior year's cash rewards, up to $250.

Highlights

  • Control where, when and how your employees use their card
  • No annual fee
  • 0% intro APR on purchases for the first 9 billing cycles (after that a variable APR of 13.99% - 24.99%)

U.S. Bank Business Platinum

With a 12-billing-cycle 0% intro APR on purchases and balance transfers, the U.S. Bank Business Edge Platinum is the right choice for a moderate balance that you want to pay down within a year. While the offer is not the longest you can get (Amex's Blue Business Plus offers 15 months), a rock-bottom low variable rate of 11.99% - 19.99% makes this card worth a second look.

Highlights

  • No annual fee
  • Free employee cards
  • A comparably low balance transfer fee of $5 or 3%, whichever is greater

U.S. Bank Business Select Rewards

You can turn this product into a travel, transportation or general-purpose card, depending on which you choose. Here's how it works: Earn 3X points on business expenses like advertising, shipping and utilities; on travel purchases such as airlines, auto rentals and restaurants; or automotive needs such as gas, tolls, dealerships and service. In addition, you can earn 20,000 points after a $1,000 spend within the first 90 days.

Highlights

  • No annual fee
  • 0% intro APR on purchases for 9 billing cycles (13.99%-24.99% variable after that)
  • 1X points on net purchases outside of your chosen categories

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

Overview of U.S. Bank's rewards program and best redemption options

Each rewards card from U.S. Bank has slightly different rewards and redemptions options. Here are the options for key rewards cards:

U.S. Bank Altitude Reserve Visa Infinite

Redemptions have never been better with a generous trade-in for travel.

  • Redeem 30,000 points for $450 in airfare, hotel stays or car rentals.
  • Starting at 1,000 points, you can redeem for brand name merchandise and gift cards.
  • Deposit cash with a minimum of 1,000 points into your U.S. Bank checking or savings account or as a statement credit on your card.

Points don't expire, but your account must stay active and in good standing to earn and redeem points.

U.S. Bank Cash 365 American Express

It's easy to redeem with the Cash 365 American Express:

  • Deposit your cash rewards into your U.S. Bank checking, savings or money market account.
  • Get a statement credit on your credit card account.
  • You can get a U.S. Bank rewards card.

There is no minimum redemption when you redeem to your U.S. Bank checking, savings, money market or a statement credit.

U.S. Bank Cash+ Visa Signature

Redeem for statement credit, direct deposit or gift card. Heads up that cash rewards expire after three years.

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

Here are the specific benefits of key U.S. Bank cards:

U.S. Bank Altitude Reserve Visa Infinite

Benefits for the Altitude Reserve include exclusive opportunities such as the James Beard Celebrity Chef Tour, in which you get pre-sale ticket access and $60 off per person per event; the Andrew Harper Travel Club, with which you get preferred access to travel resources and services; and NetJets Private Aviation, with which you can get complimentary flight time and aircraft upgrades from NetJets (and you can redeem points for flight time).

For shopping, enjoy concierge services; purchase security; return protection; extended warranty protection; and warranty manager service, which manages your warranty information on important purchases.

U.S. Bank Cash 365 American Express

Travel benefits include car rental loss and damage insurance; travel accident insurance; and travel and emergency assistance.

For travel, you can count on best value guarantee; return protection; retail protection; extended warranty protection; and entertainment access, allowing you access to the best Broadway shows, concerts and sporting events.

U.S. Bank Cash+ Visa Signature

Benefits include purchase security, extended warranty, car rental insurance, baggage insurance, roadside assistance, travel discounts, concierge services and complimentary room upgrades.

U.S. Bank Visa Platinum

Travel benefits include auto rental collision damage waiver and travel and emergency assistance. Shopping benefits include cellphone protection, a new feature; extended warranty protection; and a warranty manager service. There are also Visa discounts, which allow you to have discounts and/or gift-with-purchase offers from numerous in-store and online retailers.

Recap: Best U.S. Bank credit cards rated

Best ForCredit CardAnnual FeeOur Rating
Choice of cash back categoriesU.S. Bank Cash+™ Visa Signature® Card - Best for choice of cash back categories$02.0 / 5
Low regular APRU.S. Bank Visa® Platinum Card - Best for low regular APR$04.4 / 5
Avid travelersU.S. Bank Altitude™ Reserve Visa Infinite® Card$4003.9 / 5
Flat-rate rewardsU.S. Bank Cash 365™ American Express® Card - Best for flat-rate rewards$02.7 / 5
Convenient business rewardsU.S. Bank Business Leverage™ Visa Signature® Card$0 first year, then $95N/A
Office supply purchasesU.S. Bank Business Cash Rewards World Elite™ MasterCard®$03.1 / 5
Large business purchasesU.S. Bank Business Platinum$0N/A
Daily business expensesU.S. Bank Business Select Rewards$0N/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.