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U.S. Bank Credit Cards: Overview & Comparison

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U.S. Bank is a tried-and-true heavyweight in the U.S. financial industry, issuing a sizable collection of its own credit cards as well as co-branded cards with merchants of all sorts.

Looking for a way to repair your credit after some past mistakes? There’s a secured card that should help you get the job done. Or, for the credit-building veteran who’s always on the fly, there’s a premium travel card with a generous helping of benefits. You get the idea.

The card that’s going to work best for you all comes down to your financial position, spending habits, and what you’re looking to accomplish.

Let’s walk through your options.

Insider tip

In addition to its personal credit cards, U.S. Bank issues several business credit cards, including the U.S. Bank Business Select Rewards Card, U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®, and more.

Low Interest Rate

U.S. Bank Visa® Platinum Card

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  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR0%* for 20 billing cycles on purchases, then 14.49% – 24.49% Variable

Read Our Review

Rewards

  • Limited Time Offer!
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% – 24.49%.
  • 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.

Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR0%* for 20 billing cycles on balance transfers
  • Regular Balance Transfer APR14.49% – 24.49% Variable
  • Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater

How to Transfer a Balance on a Credit CardFees

  • Penalty APRN/A
  • Late FeeUp to $40
  • Returned Payment FeeUp to $40
  • Additional Cards Annual FeeN/A
  • Foreign Transaction Fee2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency

The information related to U.S. Bank Visa® Platinum Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

The U.S. Bank Visa® Platinum Card (Review) features a lengthy 0%* introductory APR period before its regular variable APR kicks in, as well as no annual fee.

This card’s a logical choice if you’re looking to pay down other debts through a balance transfer or make a few larger purchases without dealing with a high interest rate.

Insider tip

The U.S. Bank Visa Platinum Card is just one of many cards offered with a long 0% intro APR period. Take a look at our favorites to find a 0% APR card that complements your needs.

Everyday Rewards

U.S. Bank Cash+™ Visa Signature® Card

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  • Min. credit levelGood
  • Annual Fee$0*
  • Purchase APR13.99% – 23.99%* Variable

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Rewards

  • Earn up to $550 cash back in the first year.
  • $200 bonus after spending $1,000 in eligible net purchases within the first 120 days of account opening.
  • 5% cash back on your first $2,000 in combined eligible net purchases ($100 per quarter) on two categories you choose. That adds up to $400 cash back!
  • 2% cash back on your choice of one everyday category, like gas stations or grocery stores.
  • 1% cash back on all other eligible net purchases.
  • No limit on total cash back earned.
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 13.99% – 23.99%
  • No annual fee*
  • Great Offer from U.S. Bank, a 2020 World’s Most Ethical Company® – Ethisphere Institute, February 2020

Rewards

Spending Rewards
  • 5% cash back on your choice of two bonus categories (up to $2,000 in combined net purchases per quarter)
  • 2% cash back on your choice of one everyday category:
    • Gas
    • Groceries
    • Restaurants
  • 1% cash back on everything else
Introductory Bonus
  • $200 cash bonus for spending $1,000 in the first 120 days after account opening

Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR0%* intro on BTs for 12 billing cycles on Balance Transfers*
  • Regular Balance Transfer APR13.99% – 23.99%* Variable
  • Balance Transfer Fee3%

How to Transfer a Balance on a Credit CardFees

  • Penalty APRN/A
  • Late FeeUp to $40
  • Returned Payment FeeUp to $35
  • Additional Cards Annual Fee$0
  • Foreign Transaction Fee2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency

The U.S. Bank Cash+™ Visa Signature® Card (Review) is surprisingly flexible (and rewarding) for a card with no annual fee. You pick its highest reward categories, which sets this card’s rewards program apart from a lot of its competitors.

When it comes to the reward categories, you can pick from any two of these:

5% Cash Back Categories
TV, Internet, Streaming Services Cell Phone Providers Department Stores Electronics Stores
Fast Food Furniture Stores Ground Transportation Gyms/Fitness Centers
Home Utilities Movie Theaters Select Clothing Stores Sporting Goods Stores

And one of these:

2% Cash Back Categories
Gas Stations Grocery Stores Restaurants
Insider tip

These categories are subject to change. Consult U.S. Bank for the latest official details.

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

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  • Min. credit levelExcellent
  • Annual Fee$0
  • Purchase APR0% for 12 billing cycles on purchases, then 14.99% – 23.99%* Variable

Read Our Review

Rewards

  • 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 14.99% – 23.99%.
  • No Annual Fee
  • Points never expire
  • Terms and conditions apply.

Rewards

Spending Rewards
  • 4X points per dollar at Restaurants
  • 2X points per dollar for:
    • Grocery stores
    • Grocery delivery
    • Streaming services
    • Gas stations
  • 1X point per dollar on all other purchases
Introductory Bonus
  • 20,000 bonus points for spending $1,000 in the first 90 days

Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR0% for 12 billing cycles on balance transfers
  • Regular Balance Transfer APR14.99% – 23.99%* Variable
  • Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater

How to Transfer a Balance on a Credit CardFees

  • Penalty APRN/A
  • Late FeeUp to $40
  • Returned Payment FeeUp to $40
  • Additional Cards Annual FeeN/A
  • Foreign Transaction FeeN/A

The U.S. Bank Altitude® Go Visa Signature® Card (Review) is a strong offer with an unusually high rate for dining, plus a set of four other useful bonus categories. There’s also a solid intro rate and a $15 annual credit for streaming services — both great features to have on a card with no annual fee.

Travel Rewards

As opposed to the cash back and point rewards offered by the above cards, U.S. Bank’s travel rewards cards offer FlexPoints (except the Altitude Reserve; more on that later). FlexPoints can be redeemed for airfare, hotel stays, car rentals, merchandise, gift cards, cash back, and more.

Card Annual Fee Rewards
U.S. Bank FlexPerks® Gold American Express® Card $85
  • 3X FlexPoints per dollar spent at Restaurants
  • 2X FlexPoints per dollar spent at:
    • Gas stations
    • Airlines
  • 1X FlexPoint per dollar spent on everything else
  • 30,000 bonus FlexPoints for spending $2,000 in the first 4 months of account opening
U.S. Bank Altitude Reserve Visa Infinite® Card (Review) $400
  • 5X points per dollar spent on:
    • Prepaid hotels booked in the Altitude Rewards Center
    • Car rentals booked in the Altitude Rewards Center
  • 3X points per dollar spent on:
    • Travel
    • Mobile Wallet purchases
    • Restaurants (until 7/1/21)
  • 1X point per dollar spent on all other purchases
  • 50,000 bonus points for spending $4,500 in the first 90 days of membership

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

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  • Min. credit levelGood
  • Annual Fee$85
  • Purchase APR15.49%–25.49% Variable

Rewards

  • 30,000 introductory bonus FlexPoints for spending $2,000 in the first 4 months of account opening
  • 3X FlexPoints per dollar spent at restauarants
  • 2X FlexPoints per dollar spent at gas stations and airlines
  • 1X FlexPoint per dollar spent on everything else
  • $25 airline allowance with every award travel ticket
  • No blackout dates
  • No redemption fees
  • No foreign transaction fees
  • Free VantageScore credit score from TransUnion
  • $85 annual fee

Rewards

  • 3X FlexPoints per dollar spent at Restaurants
  • 2X FlexPoints per dollar spent at:
    • Gas stations
    • Airlines
  • 1X FlexPoint per dollar spent on everything else
Introductory Bonus
  • 30,000 bonus FlexPoints for spending $2,000 in the first 4 months of account opening

Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APR15.49%–25.49% Variable
  • Balance Transfer Fee3%, $5 minimum

How to Transfer a Balance on a Credit CardFees

  • Penalty APRN/A
  • Late FeeUp to $40
  • Returned Payment FeeUp to $35
  • Additional Cards Annual FeeN/A
  • Foreign Transaction FeeNone

The U.S. Bank FlexPerks® Gold American Express® Card offers a decent earning potential, a big introductory bonus, and benefits designed with travelers in mind.

U.S. Bank Altitude Reserve Visa Infinite® Card

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  • Min. credit levelExcellent
  • Annual Fee$400
  • Purchase APR16.24% Variable

Read Our Review

Rewards

  • 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center
  • 3X points per dollar for travel, mobile wallet purchases, and restaurants (until 7/1/21)
  • 50,000 bonus points for spending $4,500 in the first 90 days of membership, equivalent to $750 in travel redemptions.
  • $325 annual travel credit.
  • Application fee credit for either Global Entry ($100) or TSA Pre✓® ($85), once every four years.
  • Enhanced status at Relais & Châteaux hotels and resorts.
  • 12-month membership to Priority Pass™ Select for airport lounge access.
  • 12 complimentary Gogo Inflight WiFi passes per year.
  • No foreign transaction fees.
  • $400 annual fee, $75 for additional authorized users.

Rewards

Spending Rewards
  • 5X points per dollar spent on:
    • Prepaid hotels booked in the Altitude Rewards Center
    • Car rentals booked in the Altitude Rewards Center
  • 3X points per dollar spent on:
    • Travel
    • Mobile Wallet purchases
    • Restaurants (until 7/1/21)
  • 1X point per dollar spent on all other purchases
Introductory Bonus
  • 50,000 bonus points for spending $4,500 in the first 90 days of membership

Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APR16.24% Variable
  • Balance Transfer Fee3%, $5 minimum

How to Transfer a Balance on a Credit CardFees

  • Penalty APRN/A
  • Late FeeUp to $40
  • Returned Payment FeeUp to $35
  • Additional Cards Annual Fee$75
  • Foreign Transaction FeeNone

The U.S. Bank Altitude Reserve Visa Infinite® Card (Review) delivers some commendable perks and a somewhat unique rewards system that includes mobile wallet spending. This premium card is made of metal, and it’s currently only available to U.S. Bank customers.

Unlike U.S. Bank’s other travel cards, the Altitude Reserve earns regular old “points,” rather than “FlexPoints.” Your redemption options are pretty similar, though, including common picks like airfare, hotel stays, and car rentals.

Secured Credit Cards

U.S. Bank Secured Visa® Card

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  • Min. credit levelLimited Credit History
  • Annual Fee$29
  • Purchase APR19.99% Variable

Rewards

  • The deposit is used to open a U.S. Bank savings account to ensure your card can be paid. The savings account is FDIC-insured, earns interest and won’t be touched as long as your account remains open and in good standing
  • Set up automatic payments so you never miss a due date
  • Free VantageScore Credit Score based on your TransUnion credit report
  • Choose your payment due date

Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APR19.99% Variable
  • Balance Transfer Fee3%, $5 minimum

How to Transfer a Balance on a Credit CardFees

  • Penalty APRN/A
  • Late FeeUp to $40
  • Returned Payment FeeUp to $35
  • Additional Cards Annual FeeN/A
  • Foreign Transaction Fee2% of each foreign purchase or foreign ATM advance in USD; 3% of each foreign purchase or foreign ATM advance in a foreign currency

Like most secured cards, the U.S. Bank Secured Visa® Card is pretty basic, but it’s a good way to improve your credit scores. You’ll have to fund your own credit line and pay an annual fee, which is pretty typical of secured credit cards. Just apply online, pay your deposit via cashier’s check or money order, and U.S. Bank will give you a credit card with a credit line in the same amount as that deposit.

U.S. Bank Co-Branded Credit Cards

U.S. Bank has a fairly extensive list of co-branded credit cards under its belt, featuring collaborations with renowned grocery chains, international airlines, motorsports giants, and more.

Co-Branded Airline and Hotel Credit Cards

U.S. Bank issues several travel rewards cards for prominent international travel companies, including both airlines and hotels.

Company Cards
Korean Airlines
LATAM
Radisson

Co-Branded Grocery and Fuel Credit Cards

A decent portion of U.S. Bank’s co-branded credit cards are designed for everyday items, like gas and groceries. These cards span a range of brands, and you can learn more about the rewards, perks, and application details by following each card’s link.

Retailer Card
Dillons Dillons REWARDS World Mastercard
Fred Meyer Fred Meyer Rewards® World Mastercard
Fry’s Fry’s REWARDS World Mastercard®
Harris Teeter Harris Teeter REWARDS World Mastercard®
King Soopers King Soopers REWARDS World Mastercard®
Kroger Kroger REWARDS World Mastercard®
QFC QFC REWARDS World Mastercard®
Ralphs Ralphs Rewards World Mastercard®
Smith’s Food and Drug Smith’s REWARDS World Mastercard®

Co-Branded Merchant Credit Cards

In addition to its various co-branded travel, grocery, and fuel cards, U.S. Bank issues seven other co-branded cards with various merchant and retailers.

Retailer Card
AAA
Harley-Davidson Harley-Davidson® Visa® Secured Credit Card
Polaris Polaris® Visa® Credit Card
Quicken Quicken World Mastercard
REI REI Co-op Mastercard®

U.S. Bank Credit Card Features

Most of U.S. Bank’s credit cards come with a handy selection of features. Not all of these will be included with every card, though, so check into the specifics of each card before you apply..

  • Free VantageScore credit score: Keep on top of your credit-building efforts by checking your VantageScore, based on your TransUnion credit report, for free anytime.
  • Fraud protections: Complimentary fraud alerts notify you of atypical card activity, and both Visa and American Express offer zero-liability policies that mean you won’t be responsible for fraudulent charges.
  • Visa card benefits: U.S. Bank’s Visa credit cards are offered at several Visa levels, up to Visa Infinite, which means you’ll get a variety of Visa-provided benefits that vary from one card to the next. Often encompassing shopping and travel protections, these may include, but are not limited to, extended warranty protection, auto rental collision coverage, travel and emergency assistance services, travel accident insurance, and lost luggage reimbursement. Note that Visa Signature and Visa Infinite cards usually require you to qualify for a higher starting credit limit than other card types.
  • American Express benefits: U.S. Bank’s American Express cards offer similar benefits to those provided by Visa. These can include car rental insurance and other travel protections, discounts and amenities at hotels, shopping protections, Premium Concierge, and special savings and offers through American Express Connect.
  • 24/7 U.S.-based customer service: Have questions about your U.S. Bank credit card? Navigate to U.S. Bank’s credit card contact page, and you can either call the general personal credit card hotline, or select the card you use and call that number.

A Brief History of U.S. Bank

While not quite as prominent as financial superpowers like JPMorgan Chase & Co. or Bank of America, U.S. Bank carries a great deal of weight. As of December 31, 2018, it’s the nation’s fifth largest bank, with $467 billion in assets, and it boasts a workforce of 74,000 employees.

U.S. Bank’s lineage can be traced back to the 19th century, long before today’s advanced financial technology had even begun to take shape.

Building Blocks of U.S. Bank

U.S. Bank’s story began in 1863, while the nation was wrought with the vicious conflict of the American Civil War, with the opening of First National Bank of Cincinnati. Interestingly, though it was just one of many forerunners, U.S. Bank still operates under this bank’s charter, which just happens to be the second-oldest in the country.

Another key predecessor, First National Bank of Minneapolis, formed the next year. Years down the line, both of these regional staples were scooped up by other banks that would eventually become U.S. Bank.

Throughout the years that followed, regional banks sprung up and became more prominent all across the country, livening up the nation’s financial scene and paving the way for the larger corporations that now dominate the industry today.

Mergers, Mergers, and More Mergers

A number of mergers that were key in the development of U.S. Bank — and U.S. Bancorp, its holding company — began to take place as the 19th century gave way to the hustle and bustle of the early 1900s.

The United States National Bank of Portland was founded in 1891, and after a solid decade of success, merged with Ainsworth National Bank of Portland, another Oregon-based mainstay. The institution kept the United States National name, though it was soon changed to United States National Bank of Oregon.

Constructed in 1917, Portland’s United States National Bank building still stands today, though it’s since been expanded. Image credit: Portland History

Fast-forward a few decades to 1925, and United States National encountered another major merger. This time, however, the prize was Oregon’s oldest bank, Ladd and Tilton.

The Depression Sessions

Things began picking up speed for U.S. Bank’s predecessors in 1929, with the formation of First Bank Stock Corporation. Descending from the aforementioned First National Bank of Minneapolis, First Bank Stock Corporation was a holding company formed from a massive collection of regional banks in order to create a network of mutual support during the trying period that would eventually become known as The Great Depression.

Throughout the next several decades, the corporation continued acquiring additional banks (and acquiring, and acquiring…), gaining momentum and size, though the banks that fell under the First Bank umbrella generally operated on an individual level.

Along the way, in 1968, the corporation changed its name to First Bank System, Inc., the last name it’d use prior to the merger that changed it all.

The New Millenium

By the 1990s, First Bank System, Inc. was a formidable force in the nation’s financial industry, and it entered a new chapter in 1997, when it acquired Portland-based U.S. Bancorp.

Sizable enough in its own right, U.S. Bancorp had grown from a holding company for the United States National Bank of Oregon into yet another major financial player through a host of acquisitions. And despite U.S. Bancorp’s smaller size, the resulting corporation adopted the U.S. Bancorp and U.S. Bank names across the board.

Since then, U.S. Bank has moved its headquarters to Minnesota and continues to evolve, asserting its position as one of America’s most important and longest-lived financial institutions and reminding larger competitors that it’s not likely to fade away anytime soon.

Giving Back

U.S. Bank’s portfolio of financial products and services may grow and change over time, but that’s not the only area where the bank’s making strides. U.S. Bancorp also works to enrich the communities that have helped it attain such great heights through charitable contributions and hands-on community involvement.

Its Work, Home, and Play grants, for example, allow the organization to provide individuals with a chance at career growth, access to sustainable housing, and opportunities to learn through arts and play.

Plus, the bank places heavy emphasis on the importance of financial education, delivering seminars and workshops that have already impacted more than 150,000 individuals across the country.

U.S. Bank also demonstrates a keen eye for corporate responsibility regarding both the environment and diversity and inclusion. These include investments in solar energy and environmental education, and a commitment to increasing diversity among new hires and bank partners.

U.S. Bank’s Minneapolis HQ. Image credit: Wikipedia

U.S. Bank is just one of America’s many big-league credit card issuers, so browse the best credit cards across the board if none of these make the cut.

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