Best U.S. Bank Credit Cards

What We Like: The U.S. Bank Altitude® Connect Visa Signature® Card is the best U.S. Bank credit cards for bonus rewards on everyday purchases because it could easily save you more than $1,500 over the first two years of use, according to our calculations. You will earn 5 points per $1 on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 4 points per $1 spent on travel, 4 points per $1 at gas stations, 2 points per $1 at grocery stores, 2 points per $1 on dining, grocery delivery and streaming services, and 1 point per $1 on all other purchases. For context, 1 point per $1 spent is about average for the market as a whole.

What We Don’t Like: The U.S. Bank Altitude® Connect Visa Signature® Card has a $95 annual fee starting the second year your account is open. You will need excellent credit for approval.

Who Should Get It: Apply for the U.S. Bank Altitude® Connect Visa Signature® Card if you have excellent credit and the card’s bonus rewards mesh well with your spending habits. In particular, it’s best if you earn the initial bonus and spend a lot on travel, dining, groceries and gas. You should also pay the bill in full monthly to avoid interest charges.
 

What We Like: The U.S. Bank Altitude® Go Visa Signature® Card is the best U.S. Bank credit card with a $0 annual fee because it has good sign-up incentives as well as ongoing bonus rewards in popular spending categories.

It offers an initial bonus of 20,000 points for spending $1,000 in the first 90 days. You will also get an introductory APR of 0% for 12 billing cycles on purchases and balance transfers.

In addition, you will earn 4 points per $1 spent on takeout, food delivery and dining, 2 points per $1 spent at grocery stores, grocery delivery, streaming services and gas stations, 1 point per $1 spent on all other purchases.

What We Don’t Like: The U.S. Bank Altitude® Go Visa Signature® Card has a regular APR of 18.24% - 29.24% (V) and a transfer fee of 3% (min $5). You will need excellent credit for approval.

Who Should Get It: Apply for the U.S. Bank Altitude® Go Visa Signature® Card if you have excellent credit and the card’s rewards match up well with your spending habits. Plus, if you need to avoid interest on a big-ticket purchase or do a balance transfer, this card can help with either, even though it’s not a top-tier 0% card.
 

What We Like: The U.S. Bank FlexPerks® Gold American Express® Card offers 5 points per $1 spent on prepaid hotels and car rentals booked directly in the FlexPerks Rewards Center, 3 points per $1 spent at restaurants, 2 points per $1 spent on gas stations and airline purchases, and 1 point per $1 spent on all other purchases. In addition, you get up to 20% off your bill or a free appetizer for dine-in or pick-up at participating restaurants.

What We Don’t Like: The U.S. Bank FlexPerks® Gold American Express® Card has an $85 annual fee and a high APR.

Who Should Get It: Apply for the U.S. Bank FlexPerks® Gold American Express® Card if you have excellent credit and the card’s bonus rewards mesh well with your spending habits. You should also pay the bill in full monthly to avoid interest charges.

What We Like: The U.S. Bank Cash+® Visa Signature® Card is the best U.S. Bank credit card for cash rewards because it will give you a $200 sign-up bonus for spending $1,000 within 120 days of opening an account.

The U.S. Bank Cash+® Visa Signature® Card also offers very good ongoing rewards, giving 1 - 5% cash back on purchases. That includes bonus rewards in two categories that you choose.

In addition to its rewards, the U.S. Bank Cash+® Visa Signature® Card offers an introductory APR of 0% for 15 billing cycles on balance transfers. But there are better options available if you mainly want to save on interest.

What We Don’t Like: The regular APR is very high, but you can avoid interest charges by paying your full statement balance each month after the introductory promotion ends.

Who Should Get It: Apply for the U.S. Bank Cash+® Visa Signature® Card if you have good credit or better, the bonus rewards mesh well with your spending habits, and you’ll be able to pay the full amount due each month when the regular APR is in effect.

What We Like: The U.S. Bank Visa® Platinum Card is the best U.S. Bank credit card because its introductory APR of 0% for 18 billing cycles on purchases and balance transfers really stands out compared to the rest of the market. That’s about six months longer than average.

The U.S. Bank Platinum also has a $0 annual fee. That’s standard for a 0% credit card, but it still saves you $21.58 per year compared to the average credit card offer.

What We Don’t Like: This card has a balance transfer fee of 3% intro fee ($5 min) for each transfer in first 60 days, after that 5% ($5 min) for each transfer*. Plus, its regular APR is 18.74% - 29.74% (V). Both features are fairly standard for cards with long 0% introductory periods, however, and you can still save a lot of money if you’re able to bring your balance to zero before the high regular interest rate takes effect.

Who Should Get It: Apply for the U.S. Bank Visa® Platinum Card if you have good credit or better and you need to make big purchases that will take more than a year to pay off or you want to reduce the cost of high-interest debt you already owe.

What We Like: The U.S. Bank Shopper Cash Rewards Visa Signature® Card is one of the best U.S. Bank credit cards for bonus rewards because you can get a very good initial bonus as well as great ongoing rewards for purchases in several popular categories. For starters, you can earn $250 bonus after you spend $2,000 within 120 days. You’ll also get 6% cash back on two retailers you choose (up to $1,500 in quarterly combined purchases), 3% back on one everyday category of your choice (up to $1,500 per quarter), 5.5% back on prepaid hotel and car reservations booked in the Rewards Center, as well as 1.5% back on all other purchases. 

You can save a lot with these rewards before you have to pay a fee. There’s a $0 annual fee the first year.

What We Don’t Like: You have to pay $95 per year to own this card, starting the second year your account is open. In addition, you need excellent credit to get approved.

Who Should Get It: Apply for the U.S. Bank Shopper Cash Rewards Visa Signature® Card if you have a excellent credit, you spend a lot in the bonus rewards categories, and you’ll easily be able to qualify for the initial bonus.
 

What We Like: The U.S. Bank Altitude Reserve Visa Infinite® Card is the best U.S. Bank credit card for travel rewards because you get an annual travel credit of up to $325, an initial bonus of 50,000 points for spending $4,500 in the first 90 days, and ongoing rewards of 1 - 5 points per $1. You’ll earn 5 points per $1 spent on prepaid hotels and car rentals booked in the Altitude Rewards Center, 3 points per $1 spent on travel and mobile wallet purchases, and 1 point per $1 spent on all other purchases. 

There are plenty of other perks, too, from airport lounge access to an application-fee credit for TSA PreCheck or Global Entry.

What We Don’t Like: The U.S. Bank Altitude Reserve Card has a $400 annual fee and a high interest rate.

Who Should Get It: Apply for the U.S. Bank Altitude Reserve Card if you’re a big-spending frequent traveler with excellent credit.

What We Like: The U.S. Bank Cash+® Visa® Secured Card is the best U.S. Bank credit card for bad credit because it has a $0 annual fee and rewards you with 1 - 5% cash back on purchases. Most credit cards don’t offer rewards rates that high, even for people with higher scores. Plus, the U.S. Bank Cash+® Visa® Secured Card reports to the major credit bureaus monthly, helping you build credit after credit missteps.

What We Don’t Like: You have to place a security deposit of $300+, and the amount you put down will be your spending limit.

Who Should Get It: Apply for the U.S. Bank Cash+® Visa® Secured Card if you want to earn rewards on purchases while building your credit score. If you’re less interested in rewards, you may also want to consider the U.S. Bank Secured Visa® Card.
 

What We Like: The Ralphs Credit Card is a great option for saving on groceries, dining, and gas, among other types of purchases. It offers 5 points (5% cash back) for every $1 spent on mobile wallet transactions up to $3,000 per year, 3 points (3% cash back) per $1 spent at restaurants and on gas up to $6,000 per year, 2 points (2% cash back) per $1 spent inside Harris Teeter and 1 point (1% cash back) per $1spent on all other purchases. It also has a $0.

What We Don’t Like: The Ralphs Credit Card has a high APR and requires at least good credit for approval. Neither is unusual for a card like this, however.

Who Should Get It: Apply for the Ralphs Credit Card if you have good credit or better and you shop at Ralphs. If you prefer to get groceries elsewhere, you may want to consider other U.S. Bank cards, such as the Harris Teeter Credit Card, the Fred Meyer Credit Card, and the Kroger Credit Card.
 

What We Like: The U.S. Bank Business Altitude™ Connect World Elite Mastercard® is the best U.S. Bank credit card for business because it offers the best rewards, capable of saving you thousands of dollars over just the first two years. This card will give you 60,000 points for spending $6,000 in the first 180 days. That’s well above average, and it’s just the beginning.

You’ll also earn 5 points per $1 spent on prepaid hotels and car rentals booked directly in the Rewards Center, 4 points per $1 spent on travel, gas and EV charging stations (on the first $150,000 spent annually in these categories combined), 2 points per $1 spent on dining, takeout, restaurant delivery and cell service providers, as well as 1 point per $1 spent on all other purchases. Those are very valuable earning rates.

What We Don’t Like: The U.S. Bank Business Altitude™ Connect World Elite Mastercard® has a $95 annual fee starting the second
year your account is open. 

Who Should Get It: Apply for the U.S. Bank Business Altitude™ Connect World Elite Mastercard® if you have good credit or better personally and want a travel rewards card for your business.

What We Like: The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® offers an introductory APR of 0% for 15 billing cycles on purchases and balance transfers and has a $0 annual fee. You can also get an initial bonus of $500 cash back for spending $4,500 in the first 150 days.

In addition to the card’s attractive introductory promotions, you can earn ongoing bonus rewards in several popular spending categories. Specifically, you’ll get 5% cash back on prepaid hotels and car rentals booked in the Rewards Center, 3% cash back at restaurants, 3% back on single gas purchases of $200 or less, 3% cash back on cell phone/service provider and office supply purchases, as well as 1% back on all other purchases.

What We Don’t Like: The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® has a regular APR of 19.24% - 28.24% (V) and a transfer fee of 3% (min $5).

Who Should Get It: Apply for the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® if you have good credit or better personally and you want to save on interest while earning rewards on purchases.
 

What We Like: The U.S. Bank Business Leverage® Visa Signature® Card offers 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center, 2% back in your top two spending categories each month, and 1% back on all other purchases. You can also get an initial bonus of $750 for spending $7,500 in the first 120 days.

What We Don’t Like: The U.S. Bank Business Leverage® Visa Signature® Card has a $95 annual fee starting the second year your account is open.

Who Should Get It: Apply for the U.S. Bank Business Leverage® Visa Signature® Card if you have good credit or better personally and you mainly want to use the card for two categories of business expenses. Using it for more types of purchases will result in some purchases getting average rewards.
 

What We Like: The U.S. Bank Business Platinum Card is the best U. S. Bank business credit card for 0% APR, as it offers an introductory APR of 0% for 18 billing cycles on purchases and balance transfers. The U.S. Bank Business Platinum Card also has a $0 annual fee.

What We Don’t Like: The U.S. Bank Business Platinum Card has a regular APR of 17.24% - 26.24% (V) and a transfer fee of 3% (min $5). It can still save you money on transferred debt, though.

Who Should Get It: Apply for the U.S. Bank Business Platinum Card if you have good credit or better personally and you’ll be able to pay off your balance by the time the regular APR takes effect.