U.S. Bank Credit Cards: Latest Offers [March 2023]

As the fifth-largest bank in the country, U.S. Bank excels at offering high-quality financial services for clients across the country and around the world. Personal banking services include checking and savings accounts, home and auto loans, investment opportunities, and credit cards.

U.S. Bank offers a wide range of consumer and business credit cards to choose from. These include some of the best travel credit cards and best cashback credit cards currently available. If you’re interested in applying for a new U.S. Bank credit card, here are some excellent selections.  

Latest U.S. Bank personal card offers

U.S. Bank Cash+^® Visa Signature^® Card

U.S. Bank Cash+^® Visa Signature^® Card

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Current Offer

Earn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening

Annual Fee

$0

Rewards Rate

5% cash back on two categories you choose (up to $2,000 in combined eligible purchases each quarter) and on prepaid air, hotel and car reservations booked directly in the Rewards Center; 2% cash back on one everyday category, like gas stations/EV charging stations, grocery stores, or restaurants; and 1% cash back on all other eligible purchases

Why We Like It

For anyone who wants a powerful rewards card without paying an annual fee, check out the U.S. Bank Cash+^® Visa Signature^® Card.

You’ll earn 5% cash back on two categories you choose (up to $2,000 in combined eligible purchases each quarter) and on prepaid air, hotel and car reservations booked directly in the Rewards Center; 2% cash back on one everyday category, like gas stations/EV charging stations, grocery stores, or restaurants; and 1% cash back on all other eligible purchases. This card allows you to tailor the rewards to your own spending habits, maximizing your cash back.

This card has an introductory 0% APR offer for the first 15 billing cycles on purchases and balances transfers (then  18.99% - 28.99% (Variable)). If you transfer over high-interest credit card debt, this offer could give you over a year to pay down the balance without paying interest charges, allowing you to save money.

Card Details

• $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
• 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
• 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
• 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
• 1% cash back on all other eligible purchases
• 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 18.99 - 28.99%
• No Annual Fee
• Terms and conditions apply.

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U.S. Bank Visa^® Platinum Card

U.S. Bank Visa^® Platinum Card

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Current Offer

0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.99% - 28.99%

Annual Fee

$0

Why We Like It

The U.S. Bank Visa^® Platinum Card is a great option for individuals looking for a card with a lengthy 0% introductory APR offer period.

Cardholders enjoy a 0% introductory APR on new purchases for 18 billing cycles, then 18.99% - 28.99% (Variable). You also get a 0% introductory APR on balance transfers for 18 billing cycles, then 18.99% - 28.99% (Variable).

And while it doesn't earn rewards, this card does not have an annual fee, making it an inexpensive option.

Card Details

• 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.99% - 28.99%.
• 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.
• Choose a payment due date that fits your schedule
• No Annual Fee
• Terms and conditions apply.

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U.S. Bank Altitude^® Go Visa Signature^® Card

U.S. Bank Altitude^® Go Visa Signature^® Card

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Current Offer

Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening

Annual Fee

$0

Rewards Rate

4X points on dining, takeout, and restaurant delivery; 2X points on grocery stores, grocery delivery, gas stations, streaming services, and EV charging stations; and 1X points on all other eligible purchases

Why We Like It

The U.S. Bank Altitude^® Go Visa Signature^® Card is an excellent option if you're looking for a generous rewards card with no annual fee.

This card offers 4X points on dining, takeout, and restaurant delivery; 2X points on grocery stores, grocery delivery, gas stations, streaming services, and EV charging stations; and 1X points on all other eligible purchases

Cardholders can also enjoy a 0% introductory APR on purchases and balance transfers for 12 billing cycles (then 19.49% - 28.49% (Variable) APR)

Card Details

• Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
• 4X points on dining, takeout, and restaurant delivery.
• 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
• 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
• 1X point on all other eligible purchases.
• 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 19.49% - 28.49%.
• No Annual Fee
• Points never expire
• Terms and conditions apply.

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U.S. Bank Altitude^® Connect Visa Signature^® Card

U.S. Bank Altitude^® Connect Visa Signature^® Card

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Current Offer

Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening

Annual Fee

$95 (waived first year)

Rewards Rate

5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center; 4X points on travel, gas stations, and EV charging stations; 2X points on grocery stores, grocery delivery, dining, and streaming services; and 1X points on all other eligible purchases

Why We Like It

The U.S. Bank Altitude^® Connect Visa Signature^® Card offers some special features including a $30 annual credit for streaming services such as Netflix and Spotify, as well as cell phone protection. You can also receive up to $100 in statement credits toward your TSA PreCheck or Global Entry application fee (once every four years).

This card earns generous rewards in areas where you are likely to spend regularly. You can earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center; 4X points on travel, gas stations, and EV charging stations; 2X points on grocery stores, grocery delivery, dining, and streaming services; and 1X points on all other eligible purchases.

Card Details

• Intro Offer: Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening. That's a $500 value redeemable towards travel, gift cards, cash back, merchandise and more.
• 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
• 4X points on travel, gas stations, and EV charging stations.
• 2X points on streaming services. Plus, a $30 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
• 2X points at grocery stores, grocery delivery, and dining.
• Receive up to $100 in statement credits for reimbursement toward your TSA PreCheck® or Global Entry® application fee once every four years.
• 1X point on all other eligible purchases.
• Points never expire.
• Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
• Terms and conditions apply.

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

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

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Current Offer

Earn a 50,000 point bonus after spending $4,500 in the first 90 days

Annual Fee

$400

Rewards Rate

5X on prepaid hotel and car rentals booked in the Altitude Rewards Center; 3X points on eligible travel and mobile wallet purchases; and 1X points for all other eligible purchases

Why We Like It

The U.S. Bank Altitude^® Reserve Visa Infinite^® Card is a decent option for U.S. Bank customers who travel frequently. 

Cardholders can earn a 50,000 point bonus after spending $4,500 in the first 90 days. Plus, this card offers additional travel perks like a TSA PreCheck statement credit and lounge access. 

Earn 5X on prepaid hotel and car rentals booked in the Altitude Rewards Center; 3X points on eligible travel and mobile wallet purchases; and 1X points for all other eligible purchases.

Card Details

• Earn a 50,000 point bonus after spending $4,500 in the first 90 days
• 5X on prepaid hotel and car rentals booked in the Altitude Rewards Center; 3X points on eligible travel and mobile wallet purchases; and 1X points for all other eligible purchases

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U.S. Bank Shopper Cash Rewards™ Visa Signature^® Card

U.S. Bank Shopper Cash Rewards™ Visa Signature^® Card

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Current Offer

Earn $250 after spending $2,000 on eligible purchases in the first 120 days

Annual Fee

$95 (waived first year)

Rewards Rate

6% cash back on first $1,500 in combined eligible purchases each quarter with your choice of two retailers; 5.5% cash back on prepaid hotel and car reservations booked directly in the Rewards Travel Center; 3% cash back on the first $1,500 in eligible purchases in one everyday category; and 1.5% cash back on all other eligible purchases

Why We Like It

The U.S. Bank Shopper Cash Rewards™ Visa Signature^® Card is a good choice if you do the bulk of your shopping at major retailers. This card offers high reward rates at two retailers you choose from a list that includes Amazon.com and Walmart. You earn 6% at your choice of two retailers (on the first $1,500 in combined eligible purchases each quarter).

You also earn 5.5% on prepaid hotel and car reservations booked directly in the Rewards Travel Center and 3% on your choice of one everyday category (on the first $1,500 in eligible purchases each quarter).

Card Details

• Earn $250 after spending $2,000 on eligible purchases in the first 120 days
• 6% cash back on first $1,500 in combined eligible purchases each quarter with your choice of two retailers; 5.5% cash back on prepaid hotel and car reservations booked directly in the Rewards Travel Center; 3% cash back on the first $1,500 in eligible purchases in one everyday category; and 1.5% cash back on all other eligible purchases

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U.S. Bank FlexPerks^® Gold American Express^® Card

U.S. Bank FlexPerks^® Gold American Express^® Card

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Current Offer

Earn 30,000 bonus FlexPoints after spending $2,000 on purchases in the first 4 months

Annual Fee

$85

Rewards Rate

5X FlexPoints on prepaid hotels and car rentals booked directly in the FlexPerks Rewards Center; 3X FlexPoints on U.S. dining, takeout, and restaurant delivery; 2X FlexPoints at U.S. airlines, gas stations, and EV charging stations; and 1X FlexPoint on all other eligible purchases

Why We Like It

The U.S. Bank FlexPerks^® Gold American Express^® Card is a good card for those who want to earn rewards on dining and travel. You can earn 5X FlexPoints on prepaid hotels and car rentals booked directly in the FlexPerks Rewards Center; 3X FlexPoints on U.S. dining, takeout, and restaurant delivery; 2X FlexPoints at U.S. airlines, gas stations, and EV charging stations; and 1X FlexPoint on all other eligible purchases.

Additionally, foodies can choose between a free appetizer or up to 20% off your bill at participating restaurants. Add in the Global Entry or TSA Precheck fee reimbursement (via statement credit) - whichever program you apply for first - and the benefits of this card can offset its $85 annual fee. Terms apply.

Card Details

• Earn 30,000 bonus FlexPoints after spending $2,000 on purchases in the first 4 months
• 5X FlexPoints on prepaid hotels and car rentals booked directly in the FlexPerks Rewards Center; 3X FlexPoints on U.S. dining, takeout, and restaurant delivery; 2X FlexPoints at U.S. airlines, gas stations, and EV charging stations; and 1X FlexPoint on all other eligible purchases

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SKYPASS Visa Signature^® Card

SKYPASS Visa Signature^® Card

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Current Offer

Earn 30,000 bonus miles when you spend $3,000 in the first 90 days

Annual Fee

$95

Rewards Rate

2X miles on qualifying Korean Air, gas station, EV charging stations, and hotel purchases; plus 1X miles on all other eligible purchases

Why We Like It

For loyal Korean Air flyers, the SKYPASS Visa Signature Card offers generous benefits that can help offset the cost of airfare. 

With this card, you can earn 2X miles on qualifying Korean Air, gas station, EV charging stations, and hotel purchases; plus 1X miles on all other eligible purchases. It also offers no foreign transaction fees andd 2,000 bonus miles each year you renew your card.

Card Details

• Earn 30,000 bonus miles when you spend $3,000 in the first 90 days
• 2X miles on qualifying Korean Air, gas station, EV charging stations, and hotel purchases; plus 1X miles on all other eligible purchases

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SKYPASS Select Visa Signature^® Card

SKYPASS Select Visa Signature^® Card

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Current Offer

Earn 30,000 miles after you spend $3,000 in the first 90 days

Annual Fee

$450

Rewards Rate

2X miles on eligible airline ticket, rental car, and hotel purchases; and 1X miles on all other eligible purchases

Why We Like It

The SKYPASS Select Visa Signature^® Card offers some premium perks for loyal Korean Air customers. 

Cardholders get 2X miles on eligible airline ticket, rental car, and hotel purchases; and 1X miles on all other eligible purchases. Plus, you can also enjoy up to $200 in annual travel credits and a statement credit for TSA PreCheck or Global Entry application fees.

Card Details

• Earn 30,000 miles after you spend $3,000 in the first 90 days
• 2X miles on eligible airline ticket, rental car, and hotel purchases; and 1X miles on all other eligible purchases

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Latest U.S. Bank business card offers

U.S. Bank Business Triple Cash Rewards World Elite Mastercard^®

U.S. Bank Business Triple Cash Rewards World Elite Mastercard^®

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Current Offer

Earn $500 in cash back after spending $4,500 on the account owner's card in the first 150 days of opening your account

Annual Fee

$0

Rewards Rate

5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center; 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants; and 1% cash back on all other eligible purchases

Why We Like It

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard^® is a great card for your everyday business expenses such as gas, cellular phone service, and office supply store purchases. It could also come in handy if you find yourself at frequent business lunches.

This card has no annual fee and offers a long intro APR period on both purchases and balance transfers. 

Plus, you can give your employees their own card for no additional fee to maximize your cash back earnings.

Card Details

• Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
• Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
• Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
• 1% cash back on all other eligible net purchases.
• Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
• No limit on total cash back earned.
• Rewards never expire.
• Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
• 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.49% - 27.49%.
• No annual fee.
• Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
• Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
• Terms and conditions apply

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

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

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Current Offer

Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owner's card within the first 120 days of opening your account

Annual Fee

$95 (waived first year)

Rewards Rate

5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center; 2% cash back in top two categories where you spend the most each month automatically; 1% cash back on all other eligible purchases

Why We Like It

 With the U.S. Bank Business Leverage^® Visa Signature^® Card, you can earn $750 in rewards when you spend $7,500 in eligible purchases on the account owner's card within the first 120 days of opening your account.

This card also offers 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center; 2% cash back in top two categories where you spend the most each month automatically; 1% cash back on all other eligible purchases. 

Plus, you can give your employees their own card for no additional fee to better track business expenses and set spending rules.

Card Details

• Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account.
• U.S. Bank Business Leverage® Visa Signature® Card
• Earn 2% back in the top two categories where you spend the most each month automatically.
• 1% cash per dollar spent on all other eligible purchases.
• Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
• No annual fee for the first year and $95 thereafter.
• No reward caps or limits on the total rewards your business can earn. Redeem for your choice of cash back, gift cards, merchandise and travel.
• Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
• Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
• Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
• Terms and conditions apply

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U.S. Bank Business Platinum Card

U.S. Bank Business Platinum Card

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Current Offer

0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.49%-25.49%

Annual Fee

$0

Why We Like It

The U.S. Bank Business Platinum Card's top feature is the 0% intro APR on purchases and balance transfers for 18 billing cycles. This is one of the longer introductory-APR time periods available and could be very helpful for a business looking to make a major purchase or pay off high balances. Additionally, the 16.49% - 25.49% (Variable) APR that follows the intro period is very competitive for business credit cards. 

The U.S Bank Business Platinum can help your business manage cash flow and save on fees as there is a $0 annual fee and no charge for additional employee cards.

Card Details

• U.S. Bank Business Platinum Card
• 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.49%-25.49%.
• Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
• Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
• Terms and conditions apply

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What is U.S. Bank?

U.S. Bank originated as the First National Bank of Cincinnati in 1863, and it grew to include other regional banks throughout the country. Today, U.S. Bank is a household name in the financial services industry. The company has more than 70,000 employees and posted a net income of $6.9 billion in 2019.

U.S. Bank is a premier banking institution located in the United States., which is where most of its business is done. However, the Minnesota-based company also supports businesses around the world with global financial solutions. This includes international payments in more than 180 countries, foreign currency accounts in over 20 currencies, and card acceptance solutions in 65 countries.

U.S. Bank’s primary role is to provide high-quality banking services for its clients. Expect a variety of bank account products, personal loan offers, and exclusive U.S. Bank credit cards.

What are the different types of U.S. Bank credit cards?

U.S. Bank offers plenty of personal and business credit card options for its customers. To narrow down which card is right for you, find the U.S. Bank credit card that best aligns with your financial goals.

U.S. Bank personal credit cards

Personal credit cards can provide amazing value and benefits when used correctly. There are different types of U.S. Bank personal credit cards available, including cashback rewards cards, travel cards, co-branded cards, and more.

U.S. Bank cashback cards

Cashback cards are straightforward cards that provide cashback rewards when you use them to make a purchase. Certain cashback cards have rewards programs where you earn in specific bonus categories, like restaurants or groceries, whereas others earn a flat rewards rate on every purchase you make. You can redeem your cash back for statement credits, gift cards, or direct deposits into an eligible U.S. Bank account.

If you want to earn cash back in everyday categories like gas and groceries, consider using one of the best cashback credit cards.

U.S. Bank offers these cashback cards:

• U.S. Bank Cash+^® Visa Signature^® Card
• U.S. Bank Business Triple Cash Rewards World Elite Mastercard^®
• U.S. Bank Business Leverage^® Visa Signature^® Card
• U.S. Bank Shopper Cash Rewards™ Visa Signature^® Card

U.S. Bank travel cards

The best travel credit cards provide helpful benefits and earning potential for travel enthusiasts. These cards generally help offset the cost of your travel purchases with their valuable sign-up bonuses, rewards, and travel-focused perks.

For instance, a premium travel card like the U.S. Bank Altitude^® Reserve Visa Infinite^® Card offers a complimentary 12-month Priority Pass membership and TSA PreCheck or Global Entry fee reimbursement. It also offers bonus points for eligible travel purchases and flexible redemption options. Benefits like these can enhance your travel experience and save you money on your next trip.

U.S. Bank offers these travel cards:

• U.S. Bank Altitude^® Connect Visa Signature^® Card
• U.S. Bank Altitude^® Reserve Visa Infinite^® Card
• U.S. Bank FlexPerks^® Gold American Express^® Card

No annual fee U.S. Bank cards

No annual fee cards offer a simple way to earn rewards and/or build credit without additional costs. This means less stress for you while you reap the benefits these credit cards offer.

The best no annual fee credit cards typically provide great rewards earning potential or other excellent perks. You generally won’t see premium benefits on these cards, but not having an annual fee is a bonus by itself.

U.S. Bank offers these no annual fee cards:

• U.S. Bank Altitude^® Go Visa Signature^® Card
• U.S. Bank Cash+^® Visa Signature^® Card
• U.S. Bank Visa^® Platinum Card
• U.S. Bank Business Triple Cash Rewards World Elite Mastercard^®
  
• U.S. Bank Business Platinum Card
• Dillons Rewards World Elite Mastercard^®
• Fred Meyer Rewards^® World Elite Mastercard^®
• Fry's Rewards World Elite Mastercard^®
• Harris Teeter Rewards World Elite Mastercard^®
• King Soopers Rewards World Elite Mastercard^®
• Kroger Rewards World Elite Mastercard^®
• Mariano's Rewards World Elite Mastercard^®
• Pick 'n Save/Metro Market Rewards World Elite Mastercard^®
• QFC Rewards World Elite Mastercard^®
• Quicken^® World Mastercard^®
• Ralphs Rewards World Elite Mastercard^®
• Smith's Rewards World Elite Mastercard^®

U.S. Bank 0% intro APR cards

If you want to better manage your debt, consider 0% intro APR credit cards. These types of cards typically come with a 0% intro APR offer that allows you to avoid accruing interest on either your purchases or balance transfers for a certain amount of time. This can be very beneficial because it allows you to focus on how to pay off debt you already have — instead of watching your debt grow. Just make sure you pay off your balances before the intro APR period ends, as your interest rate will typically increase to the standard variable APR.

Cards with 0% intro APR offers make the best balance transfer cards. With one of these cards, it’s simple to transfer existing debt onto your new card to stop the interest from building, though you may have to pay a modest balance transfer fee — generally around 3-5% of the total transfer amount. Interest can often get out of hand on large debt balances, so it’s best to avoid accruing interest whenever possible.

U.S. Bank offers these 0% intro APR cards:

• U.S. Bank Altitude^® Go Visa Signature^® Card
• 0% intro APR on purchases for 12 billing cycles, then 19.49% - 28.49% (Variable)
• 0% intro APR on balance transfers for 12 billing cycles, then 19.49% - 28.49% (Variable)
• U.S. Bank Cash+^® Visa Signature^® Card 
• 0% intro APR on purchases for 15 billing cycles, then 18.99% - 28.99% (Variable)
• 0% intro APR on balance transfers for 15 billing cycles, then 18.99% - 28.99% (Variable)
• U.S. Bank Visa^® Platinum Card 
• 0% intro APR on purchases for 18 billing cycles, then 18.99% - 28.99% (Variable)
• 0% intro APR on balance transfers for 18 billing cycles, then 18.99% - 28.99% (Variable)
• U.S. Bank Business Triple Cash Rewards World Elite Mastercard^® 
• 0% intro APR on purchases for 15 billing cycles, then 18.49% - 27.49% (Variable)
• 0% intro APR on balance transfers for 15 billing cycles, then 18.49% - 27.49% (Variable)
• U.S. Bank Business Platinum Card
• 0% intro APR on purchases for 18 billing cycles, then 16.49% - 25.49% (Variable)
• 0% intro APR on balance transfers for 18 billing cycles, then 16.49% - 25.49% (Variable)

U.S. Bank secured credit cards

Credit cards are helpful tools for building your credit score, which is an essential factor you need for many different financial pursuits. However, it can be difficult to apply and get approved for a new credit card if your credit score is lower than you — or a card issuer — would like.

U.S. Bank knows not everyone has excellent credit, so it has provided a means by which you can still build or repair your credit with certain credit cards. This allows you to work your way up to a point where you can apply for other credit cards with higher credit requirements.

U.S. Bank offers this credit building card:

• U.S. Bank Secured Visa^® Card

U.S. Bank co-branded airline cards

U.S. Bank partners with many other companies to provide credit card products with specific rewards and benefits. So you wouldn’t be earning rewards with U.S. Bank, but rather the company it has partnered with.

For instance, U.S. Bank partners with major airlines such as Korean Air so you can earn rewards from their respective loyalty programs. This makes it easy to use co-branded airline cards to earn rewards for free flights.

U.S. Bank offers these co-branded airline cards:

• SKYPASS Select Visa Signature^® Card
• SKYPASS Visa Signature^® Card
• SKYPASS Visa Signature^® Business Card
  

Other co-branded U.S. Bank cards

In addition to major airlines, U.S. Bank also partners with other companies, like grocery stores, retail stores, and hotel chains. With these co-branded cards, you earn rewards for the company U.S. Bank has partnered with.

So if you’re using a Kroger REWARDS World Mastercard to make purchases, you’d earn Reward Points from Kroger. 

U.S. Bank offers these other co-branded cards:

• Dillons Rewards World Elite Mastercard^®
• Fred Meyer Rewards^® World Elite Mastercard^®
• Fry's Rewards World Elite Mastercard^®
• Harris Teeter Rewards World Elite Mastercard^®
• King Soopers Rewards World Elite Mastercard^®
• Kroger Rewards World Elite Mastercard^®
• Mariano's Rewards World Elite Mastercard^®
• Pick 'n Save/Metro Market Rewards World Elite Mastercard^®
• QFC Rewards World Elite Mastercard^®
• Quicken^® World Mastercard^®
• Ralphs Rewards World Elite Mastercard^®
• Smith's Rewards World Elite Mastercard^®

U.S. Bank business credit cards

U.S. Bank also offers a variety of high-value business credit cards to help owners run successful businesses. The best business credit cards make it easier to separate your personal and business expenses. Even better, they come with valuable cardmember perks and benefits that business owners can take advantage of.

U.S. Bank offers these business credit cards:

• U.S. Bank Business Leverage^® Visa Signature^® Card
• U.S. Bank Business Triple Cash Rewards World Elite Mastercard^®
• U.S. Bank Business Platinum Card
• SKYPASS Visa Signature^® Business Card

How does U.S. Bank compare to other credit card companies?

Because U.S. Bank is the fifth-largest bank in the U.S., it’s often competing against many other financial institutions. Companies like Wells Fargo, Bank of America, and Chase all offer similar financial services, so it’s natural for them to provide the same types of products. Let’s look at how U.S. Bank compares against these other large credit card companies.

U.S. Bank vs. Wells Fargo

Both U.S. Bank and Wells Fargo provide banking services to their clients around the world. They’re both credit card issuers, but they also offer other financial products, such as checking accounts, savings accounts, and personal loans.

The majority of U.S. Bank credit cards use the Visa and Mastercard payments networks, whereas most Wells Fargo cards use the Visa network. This is ideal because Visa and Mastercard are accepted virtually everywhere worldwide. U.S. Bank has fewer employees than Wells Fargo, with more than 70,000 compared to over 200,000 at Wells Fargo.

U.S. Bank vs. Bank of America

Bank of America functions similarly to U.S. Bank by providing services like bank accounts, home loans, and credit cards. In addition, both companies mainly partner with the Visa and Mastercard payments networks for the credit cards they issue. The overall selection of credit cards at both banks is wide and varied, which makes it easier for consumers to find their ideal card.

Bank of America employs over 200,000 individuals, whereas U.S. Bank has over 70,000 employees. In size alone, they’re very different, but the services they provide are nearly alike.

U.S. Bank vs. Chase

Chase is one of the largest and most popular credit card companies in the world, which makes it one of U.S. Bank’s biggest competitors. Both companies offer financial services like checking and savings accounts, loans, and credit cards. They each provide a wide selection of credit cards to choose from, including cashback cards, travel cards, and business cards. The majority of credit cards issued by both companies are on the Visa and Mastercard payments networks.

Overall, Chase is a much larger company than U.S. Bank. Chase has over 250,000 employees, whereas U.S. Bank has more than 70,000.

Which U.S. Bank credit card should you choose?

The right U.S. Bank credit card for you depends on your financial goals. Because each person is different, the right card for you may not be the right card for someone else. Fortunately, U.S. Bank has plenty of credit card products to choose from.

If you want to earn bonus rewards on everyday purchases, consider applying for a cashback credit card. These cards are straightforward and relatively simple to use. Whenever you make a purchase, you earn rewards for that purchase. The U.S. Bank Cash+^® Visa Signature^® Card earns cashback rewards on every purchase, but you can also earn a bonus 5% cash back on two categories you choose (up to $2,000 in combined eligible purchases each quarter). This makes it easy for you to earn rewards on the items you purchase most often.

For frequent travelers, a travel credit card could be a better option. The U.S. Bank Altitude^® Reserve Visa Infinite^® Card offers premium travel benefits like up to $325 annual travel credits, airport lounge access, complimentary in-flight Wi-Fi, and more. With this type of card, you can quickly elevate your travel experiences.

Credit cards can also be useful if you need to pay off debt. The U.S. Bank Altitude^® Go Visa Signature^® Card comes with a 0% intro APR on purchases for the 12 billing cycles (then 19.49% - 28.49% (Variable)) and a 0% intro APR on balance transfers for the 12 billing cycles (then 19.49% - 28.49% (Variable)).

You can use this to your advantage to either avoid interest on new purchases or stop interest from accruing on a balance you transfer to this card. Without any interest building up, there’s more time for you to focus on paying off existing debt.

As you look through the list of U.S. Bank credit cards, consider how they may fit in with your lifestyle and spending habits. Credit cards can be very useful, but they’re much more effective when you align them with your goals.

FAQs about U.S. Bank credit cards

Bottom line on the best U.S. Bank credit card for your wallet

You have several options if you want to apply for a new U.S. Bank credit card. There are cards for every situation, so be sure to check out our list of all the cards to see which one might be best for you.

Remember to consider the benefits of each to find the best credit cards for your lifestyle and financial needs. Refer to this guide for additional information and support while you search for your ideal U.S. bank credit card.

Cash Back in Categories You Choose!

U.S. Bank Cash+^® Visa Signature^® Card

U.S. Bank Cash+^® Visa Signature^® Card

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See rates and fees

Current Offer

Earn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening

Annual Fee

$0

Rewards Rate

5% cash back on two categories you choose (up to $2,000 in combined eligible purchases each quarter) and on prepaid air, hotel and car reservations booked directly in the Rewards Center; 2% cash back on one everyday category, like gas stations/EV charging stations, grocery stores, or restaurants; and 1% cash back on all other eligible purchases

Benefits and Drawbacks

Benefits

• Earn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening
• No annual fee
• Intro APR on purchases and balance transfers
• Up to 5% cash back on eligible purchases

Drawbacks

• Has foreign transaction fee

Card Details

• $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
• 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
• 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
• 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
• 1% cash back on all other eligible purchases
• 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 18.99 - 28.99%
• No Annual Fee
• Terms and conditions apply.

Author Details

Ben Walker, CEPF Ben Walker, CEPF, is a credit cards and travel writer at FinanceBuzz who loves helping others achieve their travel goals through financially sound decisions. For over a decade, he has been using credit card points and miles for the sole purpose of traveling the world. Ben is a Certified Educator of Personal Finance and has been featured in The Washington Post, MSN, Debt.com, and Finder.com.

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