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 2019:

Excellent

Credit Recommended (740-850)

Apply Now

Rewards Rate

2X
2X FlexPoints at gas stations, grocery stores or airlines – whichever you spend the most on each monthly billing cycle, and at most cell phone service providers
1X
1 FlexPoint per $1 spent on all other eligible Net Purchases

At A Glance

Annual Fee
$49, waived first year
Balance Transfer Intro APR
N/A
Regular APR
15.99% - 25.99% variable

Excellent

Credit Recommended (740-850)

Apply Now

Rewards Rate

1.5%
Unlimited 1.5% cash back on all eligible net purchases.

At A Glance

Annual Fee
$0*
Balance Transfer Intro APR
0%* intro on BTs for 12 billing cycles
Regular APR
15.99% - 25.49% variable

Excellent

Credit Recommended (740-850)

Apply Now

Rewards Rate

2X
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
1X – Earn one point per dollar spent on all other eligible net purchases.

At A Glance

Annual Fee
$95*
Balance Transfer Intro APR
N/A
Regular APR
18.74% variable

Excellent

Credit Recommended (740-850)

Apply Now

Rewards Rate

3%
3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases
1%
1% cash back on other eligible net purchases

At A Glance

Annual Fee
$0*
Balance Transfer Intro APR
0%* intro on BTs for 15 billing cycles
Regular APR
14.24% - 25.24% variable

Excellent

Credit Recommended (740-850)

Apply Now

Rewards Rate

2X
Earn 2X FlexPoints in the category where you spend the most each month–gas stations, office supply stores or airlines, plus on cellular providers.
1X
Earn 1 point for every other eligible net dollar spent

At A Glance

Annual Fee
$55, waived first year
Balance Transfer Intro APR
N/A
Regular APR
14.24% - 25.24% variable

Excellent

Credit Recommended (740-850)

Apply Now

Rewards Rate

This card doesn't offer cash back, miles, or points

At A Glance

Annual Fee
$0*
Balance Transfer Intro APR
0%* intro on BTs for 12 billing cycles
Regular APR
12.24% - 20.24% variable

Excellent

Credit Recommended (740-850)

Apply Now

Rewards Rate

3X
Earn 3 points per dollar on eligible net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
1X
Earn 1 point per dollar on other eligible net purchases

At A Glance

Annual Fee
$0*
Balance Transfer Intro APR
N/A
Regular APR
14.24% - 25.24% variable
Back to top

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% - 25.49% 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 FlexPerks® Travel Rewards Visa Signature® Card

This card's seemingly ordinary 25,000-point sign-up bonus belies the truly impressive value of $375 toward travel, including hotel stays, airfare, car rentals and more. (That's after spending $2,000 within the first 4 months.) Also, you'll earn 2X points on one of 3 possible categories: gas stations, grocery stores, or airlines. The nice thing about this feature is that the 2X points will apply to whichever of those categories you spent the most on during each monthly billing cycle.

Highlights

  • 2X FlexPoints for charitable donations
  • $49 annual fee waived the first year
  • High value of FlexPoints when redeemed for travel

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

With 1.5% back ongoing rewards on all purchases and no rotating categories – there's no worry of approaching limits or quarterly sign-ups with the U.S. Bank Cash 365. 

Highlights

  • 0% intro APR, 12 billing cycles for balance transfers (then 15.99% - 25.49% 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 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.

Highlights

  • $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.

Highlights

  • 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

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 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 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.

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
Points redemption valueU.S. Bank FlexPerks® Travel Rewards Visa Signature® Card$49, waived first year3.4 / 5
Flat-rate rewardsU.S. Bank Cash 365™ American Express® Card - Best for flat-rate rewards$02.6 / 5
Convenient business rewardsU.S. Bank Business Leverage™ Visa Signature® Card$0 first year, then $95N/A
Corporate cellular expensesU.S. Bank FlexPerks® Business Travel Rewards Card$55, waived first yearN/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.