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.
Redeem for statement credit, direct deposit or gift card. Heads up that cash rewards expire after three years.
There's also the $150 cash back after a $500 spend within the first 90 days of card membership.
- 0% intro APR, 12 billing cycles, balance transfers (then variable APR applies, currently 15.74% - 25.24% variable)
- No annual fee
- No limit on total cash back earned
Chase Freedom vs. U.S. Bank Cash+ Visa Signature...
|Card||Chase Freedom||U.S. Bank Cash+ Visa Signature|
|Sign-up bonus||$150 / $500 spend in 3 mths||$150 / $500 spend in 90 days|
|Ongoing 5% rewards||5% * $500/mth||5% * $500/mth|
|Other ongoing rewards||1% * $250/mth||2% * $250/mth|
|Total end of first yr||$480||$510|
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
- 1 extra bonus point per dollar for the first 365 days, up to 100,000 bonus points
U.S. Bank FlexPerks® Business Travel Rewards
This card has the same great sign-up bonus of its consumer sibling (25,000 points after $2,000 spend in first 4 months, worth $375 toward travel), but what is truly unique about the U.S. Bank FlexPerks Business Travel Rewards is that you can get the $55 annual fee credited back when you spend $24,000 annually. Add to that, you can get $10 back for each employee card fee with this offer.
- $25 airline allowance
- $55 annual fee is waived the first year
- 2X points for the category you spend the most on of gas stations, office supply stores, or airlines
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.
- No annual fee
- 0% intro APR on purchases for 9 billing cycles (14.24%-25.24% 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
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 Cash+ Visa Signature
Benefits include purchase security, extended warranty, car rental insurance, baggage insurance, roadside assistance, travel discounts, concierge services and complimentary room upgrades.
Recap: Best U.S. Bank credit cards rated
|Best For||Credit Card||Annual Fee||Our Rating|
|Choice of cash back categories||U.S. Bank Cash+™ Visa Signature® Card - Best for choice of cash back categories||$0||2.0 / 5|
|Convenient business rewards||U.S. Bank Business Leverage™ Visa Signature® Card||$0 first year, then $95||N/A|
|Corporate cellular expenses||U.S. Bank FlexPerks® Business Travel Rewards Card||$55, waived first year||N/A|
|Daily business expenses||U.S. Bank Business Select Rewards||$0||N/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 firstname.lastname@example.org and on Twitter @creditcards_lm.