U.S. Bank Credit Cards: Latest Offers [July 2024]

CREDIT CARDS - CREDIT CARD REWARDS
U.S. Bank credit cards offer great earning potential and valuable benefits. See which card is best suited for you.
Updated July 14, 2024
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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 options.  

In this article    

Latest U.S. Bank personal card offers

Cash Back in Categories You Choose!

U.S. Bank Cash+® Visa Signature® Card
4.5

U.S. Bank Cash+® Visa Signature® Card

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
Card Details

0% introductory APR

U.S. Bank Visa® Platinum Card
4.9

U.S. Bank Visa® Platinum Card

Current Offer

0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.74% - 29.74%

Annual Fee

$0

Benefits and Drawbacks
Card Details

Impressive Rewards on Food Delivery & Dining

U.S. Bank Altitude® Go Visa Signature® Card
4.2

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

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 streaming services, grocery stores, and gas stations/EV charging stations (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024); and 1X points on all other eligible purchases

Benefits and Drawbacks
Card Details

Cell Phone Protection + Annual Streaming Credit

U.S. Bank Altitude® Connect Visa Signature® Card
4.5

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

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, EV charging stations through 9/8/24, after that 4X on your first $1,000 each quarter (wholesale clubs and discount stores/supercenters excluded); 2X points on dining, streaming services and at grocery stores; and 1X points on all other eligible purchases

Benefits and Drawbacks
Card Details

Designed for Frequent Travelers

U.S. Bank Altitude® Reserve Visa Infinite® Card
4.7

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

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

Benefits and Drawbacks
Card Details

Big Rewards for Retail Shoppers

U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
4.7

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

Current Offer

Earn $300 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

Benefits and Drawbacks
Card Details

Big Rewards for Hotels and Car Rental

U.S. Bank FlexPerks® Gold American Express® Card
4.0

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

Current Offer

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

Benefits and Drawbacks
Card Details

Earn Korean Air Rewards

SKYPASS Visa Signature® Card
4.0

SKYPASS Visa Signature® Card

Current Offer

Earn 40,000 bonus miles when you spend $4,000 in the first 90 days

Annual Fee

$99

Rewards Rate

2X miles on qualifying Korean Air, hotels, dining, including takeout and restaurant delivery; plus 1X miles on all other eligible purchases

Benefits and Drawbacks
Card Details

Premium travel card

SKYPASS Select Visa Signature® Card
4.4

SKYPASS Select Visa Signature® Card

Current Offer

Earn 60,000 miles after you spend $5,000 in the first 90 days

Annual Fee

$450

Rewards Rate

3X miles on eligible Korean Air purchases, 2X miles on other airlines, rental car, hotel purchases, and dining, including takeout and restaurant delivery; and 1X miles on all other eligible purchases

Benefits and Drawbacks
Card Details

Latest U.S. Bank business card offers

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. 

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 provides 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 rewards cards that provide cash back (often in the form of a statement credit) when you use them to make a purchase. Certain cashback cards have rewards programs where you can earn rewards in specific bonus categories, like restaurants or groceries, whereas others earn a flat rewards rate on every purchase you make. You can typically redeem 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 travel cards

The best travel credit cards provide helpful benefits and good 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:

No-annual-fee U.S. Bank cards

Credit cards with no annual fee can offer a simple way to earn rewards and potentially 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 all by itself.

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

U.S. Bank 0% intro APR cards

If you want to better manage or consolidate 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 a more 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 to 5% of the total transfer amount. Interest can get out of hand on large debt balances, so it’s best to avoid accruing interest whenever possible.

U.S. Bank offers these credit cards with a 0% intro APR offer:

  • U.S. Bank Altitude® Go Visa Signature® Card
    • 0% intro APR on purchases for 12 billing cycles, then 18.24% - 29.24% (Variable)
    • 0% intro APR on balance transfers for 12 billing cycles, then 18.24% - 29.24% (Variable)
  • U.S. Bank Cash+® Visa Signature® Card 
    • 0% intro APR on purchases for 15 billing cycles, then 19.74% - 29.74% (Variable)
    • 0% intro APR on balance transfers for 15 billing cycles, then 19.74% - 29.74% (Variable)
  • U.S. Bank Visa® Platinum Card 
    • 0% intro APR on purchases for 18 billing cycles, then 18.74% - 29.74% (Variable)
    • 0% intro APR on balance transfers for 18 billing cycles, then 18.74% - 29.74% (Variable)
  • U.S. Bank Triple Cash Rewards Visa® Business Card 
    • 0% intro APR on purchases for 12 billing cycles, then 19.24% to 28.24% (Variable)
    • N/A intro APR on balance transfers for N/A, then 19.24% to 28.24% (Variable)
  • U.S. Bank Business Platinum Card
    • 0% intro APR on purchases for 18 billing cycles, then 17.24% to 26.24% (Variable)
    • 0% intro APR on balance transfers for 18 billing cycles, then 17.24% to 26.24% (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:

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:

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 18.24% - 29.24% (Variable)) and a 0% intro APR on balance transfers for the 12 billing cycles (then 18.24% - 29.24% (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

What is the easiest U.S. Bank credit card to get?

U.S. Bank offers the U.S. Bank Secured Visa® Card as a means of helping consumers build or repair their credit. Because this card is meant to help individuals with lower credit scores, it has an easier approval process than most other U.S. Bank credit cards.

What credit score do I need for a U.S. Bank credit card?

The requirements for each credit card may be slightly different, but most U.S. bank credit cards require a good or excellent credit score for approval. Good scores start at 670 and excellent scores start at 800. U.S. Bank may consider other factors in addition to your credit score when deciding to approve you for one of its cards.

Which U.S. Bank credit cards have no annual fee?

These are the U.S. Bank credit cards with no annual fees:

  • U.S. Bank Altitude® Go Visa Signature® Card
  • U.S. Bank Cash+® Visa Signature® Card
  • U.S. Bank Visa® Platinum Card
  • U.S. Bank Triple Cash Rewards Visa® Business 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®

Which U.S. Bank credit cards earn rewards?

These U.S. Bank credit cards are rewards credit cards:

  • U.S. Bank Altitude® Go Visa Signature® Card
  • U.S. Bank Altitude® Connect Visa Signature® Card
  • U.S. Bank Altitude® Reserve Visa Infinite® Card
  • U.S. Bank Cash+® Visa Signature® Card
  • U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
  • U.S. Bank Triple Cash Rewards Visa® Business 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®
  • SKYPASS Select Visa Signature® Card
  • SKYPASS Visa Signature® Card
  • SKYPASS Visa Signature® Business Card
  • Smith's Rewards World Elite Mastercard®

Does U.S. Bank automatically increase your credit limit?

U.S. Bank may automatically increase your credit limit if you use your credit card often and pay off your balance in full each month. However, you can also request a credit line increase by contacting U.S. Bank’s customer service. You can do this through your U.S. Bank online banking account in a web browser or the U.S. Bank mobile app. Or you can call the number on the back of your U.S. Bank credit card or 1-800-872-2657.

How long does it take to get a U.S. Bank credit card?

The card application process is available online, and you’ll receive an instant approval decision on most U.S. Bank credit cards once you finish the application. If you’re approved for a U.S. Bank credit card, you should receive your physical card within seven-to-10 business days of the approval date.

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.

A Slam-Dunk Welcome Offer!

AAdvantage® Aviator® Red World Elite Mastercard®
4.6

AAdvantage® Aviator® Red World Elite Mastercard®

Current Offer

Earn 60,000 bonus miles after you make your first purchase and pay the annual fee in the first 90 days

Annual Fee

$99

Rewards Rate

2X miles per dollar spent on eligible American Airlines purchases, and 1X mile per dollar spent on all other purchases

Benefits and Drawbacks
Card Details

Author Details

Ben Walker, CEPF, CFEI® Ben Walker, CEPF, CFEI®, is credit cards specialist. For over a decade, he's leveraged credit card points and miles to travel the world. His expertise extends to other areas of personal finance — including loans, insurance, investing, and real estate — and you can find his insights on The Washington Post, Debt.com, Yahoo! Finance, and Fox Business.