Browse the Best U.S. Bank Credit Cards

U.S. Bank offers several co-branded credit cards in partnership with airlines and retail merchants. As one of the largest banks in the United States, this institution’s consumer base includes every part of the credit range and its products are also popular for their rewards programs. View a selection of U.S. Bank credit cards below.

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

U.S. Bank Altitude™ Reserve Visa Infinite® Card
  • Regular Purchase APR 16.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 16.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee $400
  • Credit Needed Excellent
  • Processing Network Visa
Best Benefits
  • Earn 50,000 bonus enrollment points after making $4,500 in the first 90 days as a cardholder
  • Earn 3X points for every $1 on eligible net travel purchases and mobile wallet spending
  • Stay connected with 12 complimentary Gogo® Inflight Wi-Fi passes per year
  • Complimentary 12-month Priority Pass™ Select membership that gives access to more than 1,300 VIP lounges worldwide
Rates & Fees
  • Regular Purchase APR: 16.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 16.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: $400
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals

U.S. Bank Altitude® Connect Visa Signature®

U.S. Bank Altitude® Connect Visa Signature®
  • Regular Purchase APR 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee $0 for the first year; $95 after that
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No foreign transaction fees
  • Earn 4X points on travel and gas station purchases
  • Earn 2X points on grocery stores, grocery delivery, dining and streaming services
  • TSA Precheck or Global Entry statement credit every four years
Rates & Fees
  • Regular Purchase APR: 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
  • Annual Fee: $0 for the first year; $95 after that
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals

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

U.S. Bank Altitude® Go Visa Signature® Card
  • Regular Purchase APR 14.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Visa
Best Benefits
  • Earn 20,000 bonus points after spending $1,000 in the first 90 days. That’s a $200 value redeemable towards merchandise, gift cards, cash back, travel, and more
  • Earn 4X points per $1 spent on takeout, dining, and food delivery
  • Earn 2X points per $1 spent at grocery stores, grocery delivery, streaming services and gas stations
  • Get a $15 credit for annual streaming service purchases
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 14.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 14.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals

U.S. Bank Cash+™ Visa Signature® Card

U.S. Bank Cash+™ Visa Signature® Card
  • Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Processing Network Visa
Best Benefits
  • Get a $200 cash back bonus after making $500 in eligible net purchases within the first 90 days of account opening
  • Earn 5% cash back on your first $2,000 in combined eligible net purchases each quarter on two categories of your choice
  • Earn 2% cash back on one everyday category, like gas stations or grocery stores
  • Earn 1% cash back on all other net purchases
Rates & Fees
  • Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
  • Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card
  • Regular Purchase APR 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Intro Purchase APR 0% for 20 months from account opening date
  • Processing Network Visa
Best Benefits
  • Get a 0% introductory APR on purchases and balance transfers for 20 billing cycles
  • Receive coverage when pay your monthly cellular bill with your U.S. Bank Visa® Platinum Card
  • Detects and notifies you of any unusual card activity to help prevent fraud
  • Get your TransUnion® Credit Score at no cost
Rates & Fees
  • Intro Purchase APR: 0% for 20 months from account opening date
  • Regular Purchase APR: 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 20 months on balances transferred within 60 days from account opening
  • Balance Transfer APR: 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: None
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals

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

U.S. Bank FlexPerks® Gold American Express® Card
  • Regular Purchase APR 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee $85
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • 5X FlexPoints on prepaid hotels and rental cars
  • 3X FlexPoints at restaurants, 2X FlexPoints at gas stations, 2X FlexPoints at airlines, and 1X FlexPoints per $1 spent on all other eligible Net Purchases
  • Enjoy an automatic statement credit reimbursement for TSA Precheck® or Global Entry
  • Complimentary Boingo Wi-Fi at over 1 million hotspots worldwide
Rates & Fees
  • Regular Purchase APR: 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
  • Annual Fee: $85
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals

U.S. Bank Cash+® Visa® Secured Card

U.S. Bank Cash+® Visa® Secured Card
  • Regular Purchase APR 25.99% variable based on the Prime Rate
  • Balance Transfer APR 25.99% variable based on the Prime Rate
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Earn 5% back on the first $2,000 in combined eligible purchases each quarter in two categories you choose
  • Earn 2% back on the first $2,000 in combined eligible purchases each quarter in one everyday category
  • Earn 1% Back on all other purchases
Rates & Fees
  • Regular Purchase APR: 25.99% variable based on the Prime Rate
  • Balance Transfer APR: 25.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
  • Foreign Transaction Fee: 3% of each foreign transaction in US dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • Minimum Deposit Required: $300
Credit Card Deals

U.S. Bank Altitude Go Visa Secured Card

U.S. Bank Altitude Go Visa Secured Card
  • Regular Purchase APR 25.99% variable based on the Prime Rate
  • Balance Transfer APR 25.99% variable based on the Prime Rate
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • Earn 4X points on dining and takeout
  • Earn 2X points on groceries, gas, and streaming services
  • Earn 1X points on all other purchases
  • No annual fee
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 25.99% variable based on the Prime Rate
  • Balance Transfer APR: 25.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • Minimum Deposit Required: $300
Credit Card Deals

U.S. Bank Secured Visa® Card

U.S. Bank Secured Visa® Card
  • Regular Purchase APR 23.99% variable based on the Prime Rate
  • Balance Transfer APR 23.99% variable based on the Prime Rate
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • Zero Fraud Liability – You are not responsible for unauthorized transactions if your U.S. Bank Secured Visa card is ever lost or stolen
  • Fraud Protection – detects and notifies you of any unusual card activity to help prevent fraud
  • View your credit score anytime, anywhere in the mobile app or online banking
  • FlexControl™ – U.S. Bank offers this online tool that can help you avoid interest and late fees with automatic payments that put you in control. It can also help you pay down a balance faster
Rates & Fees
  • Regular Purchase APR: 23.99% variable based on the Prime Rate
  • Balance Transfer APR: 23.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • Minimum Deposit Required: $300
Credit Card Deals

U.S. Bank Triple Cash Rewards Visa® Business Card

U.S. Bank Triple Cash Rewards Visa® Business Card
  • Regular Purchase APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 15 months
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 0% intro APR on for 15 months
  • Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants
  • Earn 1% Cash Back on all other eligible purchases
Rates & Fees
  • Intro Purchase APR: 0% for 15 months
  • Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months for balances transferred within 30 days from account opening.
  • Balance Transfer APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
  • Penalty APR: 29.99%
  • Foreign Transaction Fee: 3% of each foreign transaction in U.S. dollars
  • Late Payment Penalty Fee: $40
  • Return Payment Penalty Fee: $40
  • Over Limit Penalty Fee: $40
Credit Card Deals

 

U.S. Bank Credit Cards

U.S. Bank is a leading bank and credit card issuer, with over 14 million cardholders as of 2022. The bank is currently the 12th largest issuer of credit cards in the country, offering products to those with credit scores ranging from excellent to bad/ no credit history. This wide-selection of cards makes U.S. Bank an ideal option for consumers who want valuable rewards, competitive interest rates, and no annual fee.

Benefits of U.S. Bank Credit Cards

All U.S. Bank cards come with the following benefits and protections:

  • 24/7 Customer Service: Like Discover, U.S. Bank provides 24/7, U.S.-based customer service for all of its credit cardholders.
  • Chip Technology: While the bank states that “select cards” feature chip technology, in reality, all new U.S. Bank credit card products come with EMV chip technology. This technology provides an additional layer of security for point-of-sale purchases.
  • TransUnion Credit Score: All cardholders receive complimentary access to their TransUnion credit score each month.
  • FlexControl™: U.S. Bank also provides free card management tools via its FlexControl™ budgeting tools. These resources include automatic payment tools, account alerts, and more.
  • No Penalty APR: U.S. Bank cards don’t feature a penalty APR – a great feature that doesn’t penalize cardholders who miss payments.
  • Online and mobile account access
  • Fraud protection

Because U.S. Bank issues credit cards that are Mastercard, Visa, and American Express products, the precise cardholder protections will vary. Typically, however, cardholders can expect:

  • Travel protection and travel insurance
  • Accident protection and insurance
  • Zero fraud liability.

Travel Rewards Credit Cards

U.S. Bank offers a variety of travel rewards credit cards – branded with leading airlines and hotels, as well as with the U.S. Bank name.

The pinnacle of the U.S. Bank travel cards is the U.S. Bank Altitude™ Reserve Visa Infinite® Card. The Card offers triple points on travel and mobile wallet purchases, lounge access, statement credits, and more.

Beyond U.S. Bank-branded travel cards, the bank also offers co-branded cards from leading airlines and hotels. These include cards with:

  • Aeromexico (former)
  • Korean Air
  • LATAM
  • Radisson

Other Co-Branded Credit Cards

U.S. Bank also issues a variety of credit cards through different partners. The bank’s most significant partnership is with Kroger.

The bank issues retail rewards credit cards for all the grocery stores and gas stations that make up the Kroger Family of Brands. These cards offer rewards on every purchase, with additional bonuses on Kroger’s own-brand purchases. Rewards apply to free groceries or fuel savings (where applicable).

U.S. Bank FlexPerks

Formerly, U.S. Bank had a variety of FlexPerks credit cards. While this has been reduced to just one, the U.S. Bank FlexPerks® Gold American Express® Card, FlexPerks is still a valuable commodity. FlexPerks have a value of approximately 1.5 cents per point and are redeemable for travel, merchandise, gift cards, statement credits, and more.

How to Get the Most Out of Your Rewards Credit Card

Rewards credit cards offer exceptional value for money – if you use them correctly. Because reward points act as savings on every purchase, cardholders must pay their statement balance in full each month.

Failing to pay the balance in full each month incurs interest, which in turn requires paying back more than just the initial cost of the purchase. These interest payments reduce the value from points earned, meaning rewards cards can lose any value at all very quickly. Because of this, paying the balance is crucial to maximizing the value of any rewards credit card.

What to Look for in a U.S. Bank Credit Card

When considering a U.S. Bank card, make sure to pay close attention to the following:

  • Foreign Transaction Fees: Foreign transaction fees are an additional charge many issuer apply to purchases made outside the United States. These fees apply not only to purchases made outside the U.S. but also to purchases made online with foreign companies. While some U.S. Bank cards charge no foreign transaction fees, most do feature a cost of around 2% to 3%.
  • Annual Fees: Many U.S Bank credit card offers feature no annual fee. Some cards, like the Altitude Reserve Visa Infinite, for example, charge substantial fees each year.
  • Rewards: U.S. Bank has rewards cards for every want and need. These include airline cards, hotel cards, retail credit cards, and gas rewards cards.
  • APR and Introductory APR: Many U.S. Bank cards, such as the S. Bank Visa® Platinum Card, offer 0% intro APR plus a low-interest rate after that. Pay close attention to the APR and any special offers available. As a rule, the better your credit score, the lower the APR.

Browse the Best U.S. Bank Credit Cards

BestCards.com has over 800 in-depth and impartial reviews to help everyone find the perfect Card for their unique needs. We have offers from leading credit card issuers – big and small – from across the United States. Our reviews cover credit scores from excellent to no credit history at all.

Browse our reviews, learn using our insightful news and advice resources, and compare offers using our card comparison tool.