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Best U.S. Bank Credit Cards

Best U.S. Bank Credit Cards

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Aug 28, 2020. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

U.S. Bank is one of the top credit card issuers in the United States, ranking sixth in 2019 in market share measured by purchase volume, according to The Nilson Report. Among its card offerings, U.S. Bank issues everything from a secured card for rebuilding credit to a premium travel card for folks who like to fly in style.

Based on a review of cards available through CompareCards and on U.S. Bank’s website, we’ve selected the best U.S. bank credit cards for a variety of needs.

Best for cash back: U.S. Bank Cash+™ Visa Signature® Card

Why we like this card: This is a uniquely flexible card with a generous cashback rate, allowing you to select different types of purchases each quarter that can earn the higher cashback rate.

Earn 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! Plus, earn 2% cash back on one category you choose and 1% back on other purchases.

Categories currently available to earn 5% include:

  • TV, internet and streaming services
  • Home utilities
  • Ground transportation
  • Select clothing stores
  • Cellphone providers
  • Electronics stores
  • Gyms/fitness centers
  • Fast food
  • Sporting goods stores
  • Department stores
  • Furniture stores
  • Movie theaters

And categories currently available for 2% cash back include:

  • Gas stations
  • Restaurants
  • Grocery stores

To top it off, the annual fee for the U.S. Bank Cash+™ Visa Signature® Card is $0*.

Additional card benefits:

  • Earn $150 after you spend $500 in eligible net purchases in the first 90 days of account opening.
  • 0%* intro APR for 12 billing cycles on balance transfers. After, a 13.99% - 23.99%* (variable) APR applies.

How to redeem your rewards: Cash back earned with the U.S. Bank Cash+™ Visa Signature® Card can be redeemed as a statement credit, as a direct deposit into a U.S. Bank checking or savings account, or in the form of a rewards card.

What to watch out for: You must remember to opt in for the categories you want each quarter. Also, the card charges a foreign transaction fee – 2% 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.. When traveling abroad, opt for a card with no foreign transaction fee instead.

U.S. Bank Cash+™ Visa Signature® Card Review

Best for travel: U.S. Bank Altitude™ Reserve Visa Infinite® Card

Why we like this card: Those looking to travel in luxury will appreciate the U.S. Bank Altitude™ Reserve Visa Infinite® Card.

Cardholders can get up to $325 in statement credits for eligible travel purchases, and through Dec. 31, 2020, takeout, food delivery and dining purchases can also be reimbursed. The ongoing rewards aren’t shabby either: .

Finally, there’s a hefty sign-up bonus for those who can meet the spending requirement: 50,000 points when you spend $4,500 in the first 90 days of account opening.

Additional card benefits:

  • Access to Priority Pass airport lounges for 12 months when you enroll. The first four visits for you and a guest are free, then a fee of $32 per person per visit applies.
  • Up to $100 statement credit every four years for Global Entry or TSA Precheck.
  • Complimentary in-flight WiFi with 12 Gogo passes per year.
  • Get chauffeured at a discount with the GroundLink Black Car Service.
  • Receive special benefits when staying at Relais & Châteaux properties worldwide.
  • Visa Infinite Concierge to help with dining, entertainment and more.
  • Foreign transaction fee of none.

The 5 best Priority Pass Lounges in the United States

How to redeem your rewards: There are numerous ways to redeem points earned on the U.S. Bank Altitude™ Reserve Visa Infinite® Card. Options include:

  • Booking airfare, hotel stays, car rentals, cruises and activities.
  • Covering your annual fee with just 35,000 points.
  • Cash back as a statement credit or deposit to a U.S. Bank checking or savings account.
  • Merchandise such as electronics, fashion, sporting goods and more.
  • Gift cards from retailers, restaurants and more.
  • As statement credits toward certain purchases via the “real-time rewards” feature.

What to watch out for: With a $400 annual fee, this card isn’t cheap. However, by making use of the annual travel credit of up to $325, you can reduce the effective annual fee to $75.

Also, this card is only available for consumers who have a relationship with U.S. Bank. To qualify, you’ll need to open a bank account with the issuer if you don’t already have one.

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

Best for dining: U.S. Bank Altitude® Go Visa Signature® Card

  • Earn 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.

  • Earn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases.

  • 0% for 12 billing cycles on purchases*, then 14.99% - 23.99%* (Variable) and 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening, then 14.99% - 23.99%* (Variable)

Highlights
  • Earn 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening That's a $250 value redeemable towards merchandise, gift cards, cash back, travel and more
  • Earn 4X points on takeout, food delivery and dining
  • Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
  • $15 credit for annual streaming service purchases such as Netflix and Spotify
  • No annual fee*
  • 1X point per $1 on all other eligible purchases
  • Low Introductory APR on purchases and balance transfers
  • Points never expire
  • See Rates & Fees

See additional details for U.S. Bank Altitude® Go Visa Signature® Card

More Info

Why we like this card: The U.S. Bank Altitude® Go Visa Signature® Card made quite a splash in the credit card world for its generous rewards and $0* annual fee when the bank released it in June 2020.

If you’re a foodie, this card is likely your best bet for earning a lot of points on dining without paying an annual fee. Earn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases.

There’s a sign-up bonus, too: Earn 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.

Additional card benefits:

  • Earn a $15 credit for annual purchases of streaming services including Amazon Music, Netflix, Pandora, Spotify, YouTube TV and more.
  • Offering an introductory APR of 0% for 12 billing cycles on purchases*. After, a 14.99% - 23.99%* (variable) APR applies.
  • 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening. After, a 14.99% - 23.99%* (variable) APR applies.
  • Foreign transaction fee of none.

How to redeem your rewards: Redeem points for travel, cash back (in the form of a statement credit or a deposit to a U.S. Bank checking or savings account), gift cards, merchandise and more. And redeem points to cover certain purchases with the “real-time rewards” feature.

What to watch out for: The U.S. Bank Altitude® Go Visa Signature® Card has much to offer for a $0* annual fee card, and there aren’t any major drawbacks. However, be aware that some consumers have reported the issuer might deny you if you’ve applied for any credit card within the past six months, or have applied for more than one credit card in the past year.

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

Best for intro APR: U.S. Bank Visa® Platinum Card

Why we like this card: Consumers who need a long introductory 0% APR period will love the U.S. Bank Visa® Platinum Card. Whether you need to make a big purchase or transfer a balance from a high-interest credit card, this is the card for the job. Here are the intro APR details:

  • 0% intro APR for 20 billing cycles on Purchases*. After, a 13.99% - 23.99%* (variable) APR applies.
  • 0% intro APR for 20 billing cycles on Balance Transfers*. After, a 13.99% - 23.99%* (variable) APR applies.

The balance transfer fee is 3%.

Additional card benefits:

  • Cellphone protection against damage or theft up to $600 per claim (with a $25 deductible). Limit of two claims and $1,200 coverage per 12-month period.
  • Free access to your VantageScore credit score from TransUnion.

What to watch out for: Once the intro APR period is over, this card is quite basic. There are no rewards and not very many benefits. And there’s a foreign transaction fee when using the card abroad: 2% 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..

U.S. Bank Visa® Platinum Card Review

Best for building credit: U.S. Bank Secured Visa® Card

Why we like this card: If you’re looking to improve your credit score, the U.S. Bank Secured Visa® Card could be the right card for your credit journey. You’ll have to submit a security deposit for the amount of your credit limit – it can range from $300 to $5,000, and must be in increments of $100. The APR is a reasonable 20.49% (variable).

Additional card benefits:

  • Free access to your VantageScore credit score from TransUnion.

What to watch out for: The U.S. Bank Secured Visa® Card charges a $29 annual fee. There are competing secured credit cards with no annual fee, such as the Discover it® Secured.

Plus, if you end up traveling outside the U.S., there’s a foreign transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency.

Where to Find High-Limit Secured Cards

Best for businesses: U.S. Bank Business Cash Rewards World Elite™ Mastercard®

Why we like this card: If you’re a small business owner who is on the road a lot, the U.S. Bank Business Cash Rewards World Elite™ Mastercard® can ensure you’re earning cash back for filling your gas tank. Earn

Plus, every account anniversary, you’ll receive a bonus equal to 25% of the cash back you earned the previous year – up to a $250 bonus.

Finally, there’s a sign-up bonus: earn $500 cash back after you spend $4,500 in eligible net purchases on the account owner's card in the first 150 days.

Additional card benefits:

  • . After, a APR applies.
  • Cellphone protection against damage or theft of up to $800 per claim. There’s a maximum of two claims per year and an annual coverage cap of $1,000.

How you can redeem your rewards: Cash back may be redeemed as a statement credit, as a deposit to an account with U.S. Bank, or in the form of a rewards card.

What to watch out for: If your business doesn’t spend much on gas, office supplies or cellphone service, a business credit card with different rewards categories or with a flat-rate rewards structure for all purchases might be better than the U.S. Bank Business Cash Rewards World Elite™ Mastercard®.

Also, there’s a foreign transaction fee: 2% 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..

U.S. Bank Business Cash Rewards World Elite™ Mastercard® Review


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