Updated: November 5, 2024
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U.S. Bank offers nine credit card options. The most popular cards come with consumer-friendly terms, like introductory interest rates, no annual fees and one-time bonuses. U.S. Bank caters to multiple market segments, but applicants need to have a good or excellent credit score to increase their approval odds. You are likely to be approved for a specific card if you have a credit score of 670 or higher.
Some of the best U.S. Bank credit cards include the U.S. Bank Visa® Platinum Card, U.S. Bank Altitude® Go Visa Signature® Card and U.S. Bank Altitude Connect Visa Signature card. The best U.S. Bank credit cards offer compelling welcome bonuses, impressive cashback and annual fees waived for the first year.
| Credit Card | About | Rewards Rate | Annual Fee | Credit Needed |
|---|---|---|---|---|
| Solid dining rewards card with no annual fee | Earn 1X – 4X points | $0 | 670-850 (good to excellent)* On Issuer's Site | |
| An excellent balance transfer card with no annual fees and an extended intro APR offer | N/A | $0 | 670-850 (Good to Excellent) On Issuer's Site |
In addition to the featured cards mentioned above, U.S. Bank offers the following credit cards:
We compiled a list of the best U.S. Bank credit cards. Each card is evaluated based on welcome bonuses, rewards and other important factors.
Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
As with other issuers, applying for a credit card with U.S Bank is subject to approval. Below we answer some of the most frequently asked questions when you apply for a U.S. Bank credit card.
To improve your approval odds for most U.S. Bank credit cards, you need to have a good credit rating score of at least 670. However, note that top-tier cards may require you to have an excellent credit score of 750 or higher.
Unlike other card issuers, U.S. Bank doesn’t limit the number of credit cards you can own with them. You can have multiple credit cards as long as your credit score is in good shape.
U.S. Bank doesn’t publish any specific rule in terms of how many times you can apply for a certain credit card.
There’s no specific rule provided as to how many times you can get approved. We recommend that you contact U.S. Bank directly to request information.
U.S. Bank offers different types of welcome bonus, depending on the card you choose. It can be bonus points or cash back. You can only claim the bonus after you are approved for a certain credit card, and usually only once, although it’s a good idea to check the fine print.
There are several factors to consider when choosing a credit card. Below we go over some of the things you need to look at before getting your first credit card.
Feature | Description |
|---|---|
Customer Service & Satisfaction | You can contact a U.S. Bank customer service representative over the phone, online or by mobile app. While U.S. Bank offers plenty of support options, the majority of customers who left feedback on review websites are not satisfied with their products and services. According to a recent J.D. Power survey, U.S. Bank ranked second to last for customer satisfaction among national issuers. |
Mobile Apps & Online Services | The U.S. Bank mobile app allows consumers to access their credit card accounts on the go. The app lets you view your account status, available credit card balance, limit and payment due date. It is available in the Apple App Store and Google Play. In the app, you can access up to your previous 99 transactions for the last 90 days. You can also view your account number and security code which is helpful when completing online purchases. The 2021 J.D. Power Credit Card Mobile App Satisfaction Study ranked U.S. Bank second to last for mobile app satisfaction. |
Security & Credit Monitoring Services | Cardholders can monitor their credit scores through the U.S. Bank mobile app or online banking. U.S. Bank uses the VantageScore 3.0 model, which considers the same data utilized by three leading credit reporting companies (TransUnion, Experian and Equifax). Your credit score helps you determine your creditworthiness. |
Loyalty Programs & Other Issuer Perks | U.S. Bank offers generous loyalty programs and other perks in the form of cashback rewards, bonus travel points and discounts on shopping, sports, entertainment, wine purchases and car rentals. However, U.S. Bank does not have any airlines or hotels as transfer partners for its points. |
Authorized Users | Cardholders can add authorized users through the mobile app or the online banking portal. An account may have up to seven authorized users at a time. |
Purchase Protection | U.S. Bank provides Purchase Protection that covers damaged or stolen purchases for up to 90 days after the purchase date. Eligible cardholders are generally reimbursed up to $10,000 per item and a total of $50,000 a year per cardholder. |
Co-Branding & Partnerships | U.S. Bank partners and co-brands with several providers and brands, including:
|
Other Products Offered | In addition to credit cards, U.S. Bank offers other products, such as banking services, including checking and savings accounts, home equity loans, mortgages, trust and payment services for individuals and businesses. |
U.S. Bank’s suite of credit cards may not be as robust as those of other issuers, but it has a decent lineup of offerings that are ideal for different situations. If your goal is to save on your daily spending through cashback rewards, the U.S. Bank Cash+ Visa Signature Card may be for you. If you are planning luxury travel, you might want to consider the U.S. Bank Altitude Reserve Visa Infinite Card. Food lovers can take a look at the U.S. Bank Altitude® Go Visa Signature® Card and see if it’s right for you.
Each U.S. Bank credit card is best for a certain type of individual:
Those looking to pay down their debt through balance transfer without accumulating interest
The U.S. Bank Platinum Visa Card doesn’t give you points or rewards, but it’s a good option for paying down balances. In addition to balance transfers, the 0% introductory interest offer is helpful to those who want to spread out payment of large purchases over time.
Individuals who want to build or establish their credit
The U.S. Bank Secured Visa Card is best for those who aren’t yet eligible for an unsecured card. The refundable security deposit is usually the same amount as the credit limit, with a minimum of $300 and a maximum of $5,000.
People who love to eat
The U.S. Bank Altitude® Go Visa Signature® Card is probably among the most generous cards for food lovers. You can earn four points per dollar spent on food delivery or dining purchases and two points on grocery store purchases and grocery deliveries.
"U.S. Bank has a variety of credit cards for consumers and small businesses that earn rewards or cash back, low interest rates, and valuable benefits. While many of its cards earn points, they are essentially cash back cards because U.S. Bank does not have any transfer partners, so there is no opportunity to receive outsized value on your rewards.
U.S. Bank is not as popular as American Express or Chase, but it has some good credit card options that could fit your spending habits and financial goals. Each card has its own strengths and weaknesses, so you have to assess your financial needs and goals carefully. The only thing with U.S. Bank that doesn’t impress us is its customer service, which ranks extremely low compared to other issuers. If customer service is important to you, you may wish to look elsewhere."
- Lee Huffman, credit card expert at BaldThoughts.com
If you’re looking for something else not present in any of the U.S. Bank credit cards, you should consider other credit card alternatives offered by other issuers.
About Doug Milnes, CFA
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.
Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.
