Best US Bank Credit Cards

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US Bank is one of the biggest issues of credit cards in the country, and is finally expanding past its Midwestern origins to host one of the most interesting rosters of credit cards available on the market. If you’re looking for a new credit card, there are some fascinating, flexible options available from US Bank.

Whether you’re looking for an all-purpose card for purchases or balance transfers, or high-end travel cards filled with luxury amenities, there may be a US Bank credit card that’s perfect for you. There’s a level of customization to these cards (especially their cash back cards) that you can’t really find anywhere else.

We took a look at some of the best US Bank credit card options they provide, to give you an idea of which card might work best for your particular needs. From long introductory APRs to triple points on travel purchases, let’s break down some of the cards’ highlights.

US Bank FlexPerks Travel Rewards Visa Signature Card

Best US Bank Credit Card

On Chase's home portal

750 - 850
Best for excellent credit

Highlight: Nice signup bonus and solid rewards for giving
  • 2x rewards points in grocery stories

  • 2x points for qualifying charitable contributions

  • 1x rewards for all other purchases

  • Mobile redemption of rewards

  • 25,000 FlexPerks point signup bonus

  • $49 annual fee (waived in first year)

Intro APR

0%

Fee Waiver

First year

Annual Fee

$49

Reward Type

Points

Why It's One of the Best US Bank Credit Cards

Travel-minded cardholders could do a lot worse than the US Bank FlexPerks Travel Rewards Visa Signature Card. It’s a nice, robust rewards card that has a flexible, multi-tiered rewards system that gives you the most value when you use it on travel expenses (car rentals, airfare, hotel stays).

When you use the FlexPerks card, you gain 1x on every purchase you make, but US Bank doubles those points if you’re using it at grocery stores or making charitable donations. This makes it a great option for those who like to give back to the community or wish to earmark a specific credit card for food purchases.

US Bank’s 25,000-point signup bonus is nothing to sneeze at, either – if you spend $2,000 in eligible purchases in the first four months of membership, you can get those bonus FlexPoints. That’s an automatic $375 you can spend on your next hotel stay or airline ticket, which is a pretty advantageous offer.

Also, since it’s a Visa Signature card, cardholders get access to all manner of Signature benefits, like concierge service and room upgrades. You also get auto rental collision damage waivers and food/drink vouchers at participating hotels. It’s probably the best US Bank credit card for travel-minded cardholders who also want flexibility in their spending categories.

US Bank Visa Platinum Card

On Chase's home portal

750 - 850
Best for excellent credit

Highlight: Great mobile security and long introductory APR period
  • 0% introductory APR for 18 months for purchases and balance transfers

  • Cell phone protection

  • Fraud protection

  • Free TransUnion credit score Mobile payment options

Intro APR

0%

Mobile payment

Mobile

Annual Fee

$0

Fraud Protection

Yes

Why We Rank it Among the Best US Bank Credit Cards

If you have another credit card with a high balance and even higher interest rate, it may be a good idea to transfer that balance to a card with a lower APR to shave off the mountains of interest you’d have to pay. In a lot of ways, the US Bank Visa Platinum Card seems designed for exactly that purpose.

As a card, it’s pretty straightforward – there are no reward points, no cash back. However, you do get a pretty unprecedented 18-month period of 0% APR as an introductory rate, which applies to purchases and balance transfers alike. That’s a substantial grace period, especially for a card of this kind, and is a great deal for cardholders who plan to hold a balance for a little longer than expected.

While it’s a good option for balance transfers, keep in mind the initial fee is 3% of the amount transferred, at a minimum payment of $5. Still, that could be leavened by the lack of an annual fee, which is fairly rare among US Bank credit cards. There are a few other benefits, like cell phone protection and free access to your TransUnion score, but other cards offer more.

All in all, the US Bank Visa Platinum Card is the best US Bank Credit card for those who want to benefit most from a slightly longer 18-month grace period of zero interest. Otherwise, it’s not much to write home about, with no rewards and few amenities. Still, it holds a balance, which is what most people look for in a credit card. 

US Bank Cash 365 American Express Credit Card

On Chase's home portal

700-750
Best for good credit

Highlight: Cold hard cash on signup, nice entertainment rewards
  • Unlimited 1.5% cash back on all purchases

  • $150 cash back signup bonus

  • No expiration on cash back rewards

  • $0 annual fee

  • Emergency assistance services

  • Protection on returned goods

  • Fun entertainment perks

Transfer Fee

3%

Signup Bonus

$150

Annual Fee

$0

Cash Back

1.5%

Why it's One of Our Picks for Best US Bank Credit Card

While the Cash+ Visa Signature Card is a good US Bank credit card for eagle-eyed cardholders who want to max out their rewards, they offer a cash back card with a bit more simplicity and flexibility – the Cash 365 American Express Card.

Unlike its sibling, the US Bank Cash 265 American Express Card has only one tier – an unlimited 1.5% cash back rate on all purchases made on the card. If you’re not the kind of person who wants to meticulously keep track of your tiers to make sure you get the most value from your card, this might be your best option.

It’s also got some other solid features, like no annual fee and a nice signup bonus of $150 in cash back rewards (once you spend $500 in the first three months of ownership). Also, you get 0% introductory APR for balance transfers for the first 12 months, making it another way to pay off existing balances.

 The Cash 365 card is incredibly no-frills, with its major feature being its unlimited cash back tier. With that in mind, more relaxed cardholders might want to gravitate toward this one.

US Bank Altitude Reserve Visa Infinite Credit Card

On Chase's home portal

750 - 850
Best for excellent credit

Highlight: Protection from identity theft
  • 50,000 bonus point signup bonus

  • Up to $325 in account statement credits each year

  • Airport lounge access

  • Mobile redemption

  • Fraud/ID Theft protection

  • 3x points on travel purchases and mobile wallet spending

Signup Bonus

50,000 points

Mobile Options

Yes

Annual Fee

$400

Reward Type

Points

Why it's One the Best US Bank Credit Cards

US Bank has high-end cards too, as evidenced by the release of their US Bank Altitude Reserve Visa Infinite credit card last year. A clear attempt to unseat the Chase Sapphire Reserve as the high-end travel card for high-income consumers, it offers similar rewards with a slightly lower annual fee (which is still a whopping $400).

As the name implies, this is a travel card first and foremost – you earn 3x travel points on purchases like car rental, airfare, hotel bookings and more (as well as when you use your mobile payment system, like Apple Pay or Samsung Pay). Paired with an incredible signup bonus – 50,000 bonus points if you spend $4,500 in three months – there’s a lot to like here.

Most of the Altitude Reserve’s features are geared toward luxury travel, which makes it perfect for big spenders with a desire for high-end amenities. The card gets you access to airport lounges around the world, and bonuses on merchandise, entertainment, magazines and more.

While it offers a lot of great perks for frequent travelers, make sure you’re getting your money’s worth to justify the $400 annual fee. However, for big businessmen and women, it may be worth it to commit to the Altitude Reserve, considering everything you get.

US Bank Cash+ Visa Signature

Best US Bank Credit Card

On Chase's home portal

Best US Bank Credit Card

750 - 850
Best for excellent credit

Highlight: Can pick and customize reward categories
  • 5% cash back on two selected categories

  • 2% cashback on one everyday category

  • 1% cash back on all other purchases

  • $150 cash back signup bonus

  • $0 annual fee

  • Visa Signature benefits

Intro APR

0%

Variable APR

15.49% - 24.49%

Annual Fee

$0

Cash Back

1% - 5%

How it Earned It's Place on Our List of Best US Bank Credit Cards

The US Bank Cash+ Visa Signature Card is a fantastic option for US Bank cardholders who prefer their rewards points in the form of a simple cash back return on their statement.

Its flexibility is its greatest strength; the Cash+ card runs on a user-selected tier of cash back rewards categories. For the first year of use, you can pick two spending categories where you get 5% cash back on the first $2,000 you spend there. Also, select one category of everyday purchases (like gas or groceries), and you’ll get 2% cash back.

While those tiered rewards systems seem to have a lot of caveats, it’s the best US Bank credit card for rewards-minded users who want cash back on specific categories and are willing to do the work to keep track of that spending. If you want a rewards card to use on a certain type of spending, you can get a lot of value out of the rewards found here.

 In addition to that, you get no annual fee and a generous 0% introductory APR for 12 months – perfect for the cardholder who wants that much more flexibility for a particular year of spending.
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