U.S. Bank Credit Cards: Best and Latest Offers [May 2021]

U.S. Bank credit cards offer great earning potential and valuable benefits. See which card is best suited for you.
Last updated May 13, 2021 | By Ben Walker

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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 selections.  

In this article    

Latest U.S. Bank personal card offers

U.S. Bank FlexPerks Travel Rewards Visa Signature Card

U.S. Bank FlexPerks Travel Rewards Visa Signature Card

Special Offer

Earn 25,000 bonus FlexPoints after spending $2,000 in the first 4 months

Why We Like It

The U.S. FlexPerks Travel Rewards Visa Signature Card is a top travel card for anyone who chooses air travel often.

Cardholders can receive up to a $25 reimbursement for eligible in-flight purchases on round-trip air travel and benefit from no foreign transaction fees.

Earn 2X FlexPoints when using your card at gas stations, grocery stores, charities, airlines, and cellular providers, and 1X FlexPoints on all other eligible purchases.

Credit Needed: Good - Excellent

U.S. Bank Altitude Reserve Visa Infinite Card

U.S. Bank Altitude Reserve Visa Infinite Card

Special Offer

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

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 of account opening. 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.

Credit Needed: Excellent

U.S. Bank Visa Platinum Card

Special Offer

0% introductory APR on purchases and balance transfers for 20 months

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% intro APR for 20 months on new purchases. This card also offers 20 months interest-free for balance transfers. And while it doesn't earn rewards, it does offer no annual fee, making it an inexpensive option.

Credit Needed: Good - Excellent

U.S. Bank Cash+ Visa Signature Card

Special Offer

Earn $150 cash back after spending $500 in the first 90 days

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 of your choice, up to $2,000 spent each quarter. You’ll earn 2% cash back on one chosen "everyday" category, such as gas or groceries, and 1% cash back on all other purchases. This card allows you to tailor the rewards to your own spending habits, maximizing your cash back.

The U.S. Bank Cash+ Visa Signature Card has an introductory 0% APR offer on balance transfers for the first 12 billing cycles on balances transferred in the first 60 days of opening an account. If you transfer over high-interest credit card debt, this offer gives you a full year to pay down the balance without paying interest charges, allowing you to save money.

Credit Needed: Good - Excellent

U.S. Bank Altitude Go Visa Signature Card

U.S. Bank Altitude Go Visa Signature Card

Special Offer

Earn 20,000 points after spending $1,000 on purchases in the first 3 months

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 takeout, food delivery, and dining purchases; 2X points on grocery stores, grocery delivery, streaming services, and gas stations; and 1X points on all other purchases. Cardholders can also enjoy a 0% introductory APR on new purchases for 12 months and a 0% intro APR on balance transfers for 12 months. 

Credit Needed: Excellent

Radisson Rewards Premier Visa Signature Card

Radisson Rewards Premier Visa Signature Card

Special Offer

Earn 100,000 bonus points after spending $3,000 in the first 90 days

Why We Like It

For loyal Radisson guests, the Radisson Rewards Premier Visa Signature Card offers generous bonus points that can help offset the cost of your hotel stays.

This card comes with automatic Radisson Gold status, which includes perks like complimentary upgrades and exclusive discounts. Cardholders also get 10X points at eligible Radisson hotels and 5X points on everything else. 

Credit Needed: Good - Excellent

SKYPASS Visa Signature Card

SKYPASS Visa Signature Card

Special Offer

Earn 30,000 bonus miles when you spend $3,000 in the first three months

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 get 2X miles on qualifying Korean Air, gas station, 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.

Credit Needed: Good - Excellent

SKYPASS Select Visa Signature Card

SKYPASS Select Visa Signature Card

Special Offer

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

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.

Credit Needed: Good - Excellent

SKYPASS Visa Secured Card

SKYPASS Visa Secured Card

Special Offer

5,000 bonus miles after your first purchase

Why We Like It

If you are looking for a secured credit card that you can use to earn miles, the SKYPASS Visa Secured Card could be worth a look. This is especially true if you enjoy flying Korean Air. 

This card offers 1X bonus miles on all eligible purchases, and your credit limit is based on the total amount you deposit on your card.

Credit Needed: Poor - Bad - Fair - Good - Excellent

Latest U.S. Bank business card offers

U.S. Bank Business Cash Rewards World Elite Mastercard

Special Offer

Earn $500 cash back when you spend $3,000 in your first 90 days

Why We Like It

The U.S. Bank Business Cash Rewards World Elite Mastercard is a great card for your everyday business expenses like gas, cellular phone service, and office supply store purchases.

This card has no annual fee and offers a long intro APR period — pay no interest for 12 billing cycles on either purchases or balance transfers. 

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


Credit Needed: Excellent

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 earn rewards 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 cards.

U.S. Bank offers these cashback cards:

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:

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 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
  • Dillons REWARDS World Mastercard
  • Fred Meyer Rewards World Mastercard
  • Fry’s REWARDS World Mastercard
  • Harris Teeter REWARDS World Mastercard
  • King Soopers REWARDS World Mastercard
  • Kroger REWARDS World Mastercard
  • Mariano’s REWARDS World Mastercard
  • Pick ‘n Save/Metro Market REWARDS World Mastercard
  • QFC REWARDS World Mastercard
  • Quicken World Mastercard
  • Radisson Rewards Visa Card
  • Ralphs Rewards World Mastercard
  • REI Co-op World Elite Mastercard
  • SkyBlue SKYPASS Visa Card
  • Smith’s REWARDS World Mastercard

U.S. Bank 0% intro APR cards

If you want to better manage your debt, consider 0% 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 paying 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 credit 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:

  • Fred Meyer Rewards World Mastercard (0% intro APR on purchases for the first 9 billing cycles; 0% intro APR on balance transfers for the first 9 billing cycles)
  • U.S Bank Altitude Go Visa Signature Card (0% intro APR on purchases for the 12 months; 0% intro APR on balance transfers for the 12 months)
  • U.S. Bank Cash+ Visa Signature Card (0% intro APR on balance transfers for 12 billing cycles on balances transferred in the first 60 days)
  • U.S. Bank Visa Platinum Card (0% intro APR on purchases for20 months; 0% intro APR on balance transfers for 20 billing cycles)

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 like LATAM Airlines and 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:

  • LATAM Visa Signature Card
  • LATAM Visa Card
  • LATAM Visa Secured Card
  • SkyBlue SKYPASS Visa Card
  • SKYPASS Select Visa Signature Card
  • SKYPASS Visa Signature Card
  • SKYPASS Visa Secured 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. With the Radisson Rewards Premier Visa Signature Card, you’d earn Radisson Rewards points.

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

  • Dillons REWARDS World Mastercard
  • Fred Meyer Rewards World Mastercard
  • Fry’s REWARDS World Mastercard
  • Harris Teeter REWARDS World Mastercard
  • King Soopers REWARDS World Mastercard
  • Kroger REWARDS World Mastercard
  • Mariano’s REWARDS World Mastercard
  • Pick ‘n Save/Metro Market REWARDS World Mastercard
  • QFC REWARDS World Mastercard
  • Quicken World Mastercard
  • Radisson Rewards Premier Visa Signature Card
  • Radisson Rewards Visa Card
  • Ralphs Rewards World Mastercard
  • REI Co-op World Elite Mastercard
  • Smith’s REWARDS World 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 small 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, up to $2,000 quarterly. 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. Often, credit cards are seen as the reason people are drowning in debt, but when certain cards are used correctly, it’s easier to manage your debt. The U.S Bank Altitude Go Visa Signature Card comes with a 0% intro APR on purchases for the 12 months and a 0% intro APR on balance transfers for the 12 months.

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

Which 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
  • Dillons REWARDS World Mastercard
  • Fred Meyer Rewards World Mastercard
  • Fry’s REWARDS World Mastercard
  • Harris Teeter REWARDS World Mastercard
  • King Soopers REWARDS World Mastercard
  • Kroger REWARDS World Mastercard
  • Mariano’s REWARDS World Mastercard
  • Pick ‘n Save/Metro Market REWARDS World Mastercard
  • QFC REWARDS World Mastercard
  • Quicken World Mastercard
  • Radisson Rewards Visa Card
  • Ralphs Rewards World Mastercard
  • REI Co-op World Elite Mastercard
  • SkyBlue SKYPASS Visa Card
  • Smith’s REWARDS World Mastercard

Which U.S. Bank credit cards earn rewards?

These U.S. Bank credit cards earn rewards:

  • U.S Bank Altitude Go Visa Signature Card
  • U.S. Bank Altitude Reserve Visa Infinite Card
  • U.S. Bank Cash+ Visa Signature Card
  • U.S. Bank FlexPerks Gold American Express Card
  • Dillons REWARDS World Mastercard
  • Fred Meyer Rewards World Mastercard
  • Fry’s REWARDS World Mastercard
  • Harris Teeter REWARDS World Mastercard
  • King Soopers REWARDS World Mastercard
  • Kroger REWARDS World Mastercard
  • LATAM Visa Signature Card
  • LATAM Visa Card
  • LATAM Visa Secured Card
  • Mariano’s REWARDS World Mastercard
  • Pick ‘n Save/Metro Market REWARDS World Mastercard
  • QFC REWARDS World Mastercard
  • Quicken World Mastercard
  • Radisson Rewards Premier Visa Signature Card
  • Radisson Rewards Visa Card
  • Ralphs Rewards World Mastercard
  • REI Co-op World Elite Mastercard
  • SkyBlue SKYPASS Visa Card
  • SKYPASS Select Visa Signature Card
  • SKYPASS Visa Signature Card
  • Smith’s REWARDS World 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 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 card for your lifestyle and financial needs. with 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

U.S. Bank Cash+ Visa Signature Card

Benefits

  • $150 sign-up bonus
  • No annual fee
  • 0% intro APR on balance transfers
  • Up to 5% cash back on eligible purchases

Author Details

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