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Best U.S. Bank Credit Cards

Find the right U.S. Bank credit card for you

We publish unbiased product reviews; our opinions are our own and are not influenced by payment we receive from our advertising partners. Learn more about how we review products and read our advertiser disclosure for how we make money.

The best U.S. Bank credit cards provide compelling cash back, points, or miles, with consumer-friendly terms like no annual fees (or annual fees that are easily justified based on rewards), introductory interest rates, and one-time bonuses. U.S. Bank has cards for multiple market segments, offering rewards for consumers and small business owners interested in travel or cash-back redemptions. We reviewed the most popular consumer and business credit cards offered by U.S. Bank and chose the ones below as the best in four valuable categories.

Best U.S. Bank Credit Cards for November 2021

Best Overall/Best No-Annual-Fee Travel : U.S. Bank Altitude® Go Visa Signature® Card


Rating as a U.S. Bank Card
5.0
U.S. Bank Altitude® Go Visa Signature® Card
Current 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.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.99% - 23.99% variable
Annual Fee $0
Rewards Earning Rate Earn 4x points on takeout, food delivery and dining, earn 2x points at grocery stores, grocery delivery, streaming services and gas stations. Earn 1 point per dollar on all other purchases.
INTRO PURCHASE APR 0% for 12 Billing Cycles
INTRO BALANCE TRANSFER APR 0% for 12 Billing Cycles
Balance Transfer Fee Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Foreign transaction fee (%) 0%
  • Why We Chose This Card
  • Pros & Cons
Why We Chose This Card

The U.S. Bank Altitude Go Visa Signature Card is our choice for the best overall card and best no-annual-fee travel card from U.S. Bank because of its outstanding bonus rewards for dining, groceries, gas, and streaming services, with 1 point per dollar on all other spending. You can earn 20,000 bonus points after spending just $1,000 during the first 90 days your account is open. The lack of an annual fee and the broad redemption options, including travel, make this an excellent primary or secondary card to consider.

Pros & Cons
Pros
  • Standout rewards on dining

  • Annual bonus for streaming services

  • No annual fee and 0% introductory APR

Cons
  • Low base rewards rate

  • Less value than some annual-fee cards

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


Rating as a U.S. Bank Card
3.6
U.S. Bank Altitude™ Reserve Visa Infinite® Card
Current Offer

Starting with an enrollment bonus of 50,000 points worth $750 on travel. Just spend $4,500 in the first 90 days of account opening.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Excellent
Regular APR (%) 16.99% - 23.99% variable
Annual Fee $400
Rewards Earning Rate Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. Earn 3X points for every $1 on eligible travel purchases and mobile wallet spending. For a limited time enjoy 3X points for every $1 on takeout, food delivery, and dining. Valid on purchases through 6/30/21.
Balance Transfer Fee Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Foreign transaction fee (%) 0%
  • Why We Chose This Card
  • Pros & Cons
Why We Chose This Card

We selected the U.S. Bank Altitude Reserve Visa Infinite Card as U.S. Bank's best travel card because of its triple bonus points on all travel purchases as well as mobile wallet spending. Prepaid hotels and car rentals booked through U.S. Bank's travel center earn 5x points. Plus, you'll earn 3x points on dining through June 30, 2021. There is a substantial $400 annual fee, but that should be justified with its $325 in annual credits for travel and dining purchases, airport lounge access, strong earning potential, and other travel benefits. The generous one-time bonus, worth $750 based on our valuation of 1.5 cents per point when redeemed for travel, is available after $4,500 in spending within the first 90 days of account opening.

Pros & Cons
Pros
  • Rich travel benefits

  • Strong rewards, especially when used for travel

  • Bonus worth $750 if points are used for travel

  • $325 in annual travel statement credits

Cons
  • You must be a U.S. Bank customer to apply

  • No points-transfer options

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


Rating as a U.S. Bank Card
5.0
U.S. Bank Business Cash Rewards World Elite™ Mastercard®
Current Offer

Earn $500 cash back. Just spend $3,000 in the first 90 days of opening your account.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Excellent
Regular APR (%) 13.99% - 22.99% variable
Annual Fee $0
Rewards Earning Rate Earn 3% cash back on eligible purchases at gas stations, office supply stores and cell phone/service providers. Plus you'll earn 1% cash back on all other eligible purchases.
INTRO PURCHASE APR 0% for 12 Billing Cycles
INTRO BALANCE TRANSFER APR 0% for 12 Billing Cycles
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance APR (%) 25.99%
Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Why We Chose This Card
  • Pros & Cons
Why We Chose This Card

We chose the U.S. Bank Business Cash Rewards World Elite Mastercard as the best business card option from U.S. Bank due to its generous 3% bonus cash-back rewards on popular business spending categories, such as gas, office supply stores, and cell phone services, and 1% cash back on all other eligible purchases. The 25% bonus on cash back earned the previous year allows you to earn up to an extra $250 each year. Those features combined with no annual fee make this a solid card option for small business owners.

Pros & Cons
Pros
  • Strong rewards, including 25% annual bonus

  • Introductory 0% APR offer

  • Bonus with low spending requirement

Cons
  • Requires excellent credit

  • Fees on foreign transactions

Best Secured : SKYPASS Visa® Secured Card


Rating as a U.S. Bank Card
2.7
SKYPASS Visa® Secured Card
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Poor - Excellent
Regular APR (%) 16.24% variable
Annual Fee $50
Minimum Deposit to Activate $300
Pay deposit in installments No
Allows upgrade to unsecured card Yes
Rewards Earning Rate Earn 1 mile for every $1 you spend in eligible net purchases.
  • Why We Chose This Card
  • Pros & Cons
Why We Chose This Card

The SKYPASS Visa Secured is the highest scoring secured card option from U.S. Bank. It features an airline mile rewards structure (which is highly unusual for a secured card designed for those with no credit or bad credit) of 1 mile per dollar in spending for redemption on Korean Air or transfers to one of Korean Air's U.S. domestic or international partners. There is a $50 annual fee but that can be justified with sufficient spending and redemption of rewards for travel.

Pros & Cons
Pros
  • Builds credit while earning miles

  • Opportunity to move to an unsecured card after 12 months

  • Easy-to-earn bonus

  • Annual bonus when renewing the card

Cons
  • Annual fee

  • Not great for foreign travel

  • Requires a minimum deposit of $300

Final Verdict

U.S. Bank offers several credit cards that offer cash back, flexible points, or co-branded rewards. Its cards cater to a variety of customer types and credit scores, so you should be able to find a credit card that works for you. Our pick for the best U.S. Bank credit card is the U.S. Bank Altitude Go Visa Signature Card because of its strong earning power and flexibility when redeeming points. It has no annual fee and includes a 0% APR promotion on purchases and balance transfers.

Compare the Best U.S. Bank Credit Cards

Credit Card Intro Offer Rewards Annual Fee Regular APR Minimum Credit Score
U.S. Bank Altitude® Go Visa Signature® Card
Best Overall/Best No-Annual-Fee Travel
20,000 points after $1,000 in 90 days; 0% APR on purchases and balance transfers for 12 billing cycles 4x on dining; 2x grocery, streaming, gas; 1x all else $0 14.99% to 23.99% 670 
U.S. Bank Altitude™ Reserve Visa Infinite® Card
Best Travel
50,000 points after $4,500 in 90 days 5x prepaid hotels & car rentals with Altitude Rewards Center; 3x travel, mobile wallet, dining; 1x all else $400  16.99% to 23.99%  800 
U.S. Bank Business Cash Rewards World Elite™ Mastercard®
Best Business
$500 after $3,000 in 90 days; 0% APR on purchases and balance transfers for 12 months 3% on gas, office supplies, and cell phone; 1% all else $0  13.99% to 22.99%  800 
SKYPASS Visa® Secured Card
Best Secured
5,000 miles after first purchase 1x miles on every purchase $50 16.24%  350 

Editorial Picks for Best U.S. Bank Credit Cards

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

Best Overall/Best No-Annual-Fee Travel

Earn 4x points on dining and 2x on groceries, streaming, and gas that can be used for travel, cash back, and more. Enjoy a 0% APR promotion on purchases and balance transfers for 12 months.

Read the full U.S. Bank Altitude® Go Visa Signature® Card Review.

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

Best Travel

Travel perks like an annual $325 credit, airport lounge access, and Global Entry or TSA Precheck reimbursement make this an excellent travel card. Limited-time offer of 3x points on takeout, food delivery, and dining through June 30, 2021.

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

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

Best Business

Earn 3% cash back on common business expenses like office supplies, cell phones, and gas. Receive a 25% bonus, up to $250, on all of the cash back you earn each year.

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

SKYPASS Visa® Secured Card

Best Secured

One of the only secured credit cards that earns airline miles while you build your credit. Your spending can help you earn elite status with Korean Airlines.

Read the full SKYPASS Visa® Secured Card Review.

Types of U.S. Bank Credit Cards

U.S. Bank primarily issues Visa cards but also has a few products issued through the American Express and Mastercard networks. It does not issue any cards on the Discover network.

The bank offers credit cards to meet a variety of customer goals:

  • Cash back
  • Flexible points
  • Airline miles
  • Co-branded cards
  • Small business
  • Secured credit card

How U.S. Bank's Rewards Program Works

U.S. Bank rewards points are earned at various levels based on the card product. Cash back is generally earned as a flat percentage back on purchases, with a few card options that provide enhanced bonus cash back on certain spending categories. U.S. Bank Altitude and FlexPerks points are generally earned at a points multiple for certain purchase categories and a base rate for all other spending. Points can be redeemed for travel, merchandise, gift cards, or cash back through the U.S. Bank Altitude and FlexPerks rewards portals.

Is a U.S. Bank Credit Card Right for Me?

Yes, U.S. Bank has credit cards that offer cash back, flexible points, and co-branded rewards for both consumers and small businesses. Many of its cards also include 0% APR promotions for purchases, balance transfers, or both, which can reduce the interest you might pay on your transactions.

U.S. Bank Credit Card Benefits

The bank includes a variety of benefits with its credit cards. Depending on the card that you choose, here are a few of the benefits that may be available to you:

  • Free credit score
  • Airport lounge access
  • No foreign transaction fees
  • Introductory 0% APR promotion
  • Cell phone protection

Fees on U.S. Bank Credit Cards

Credit cards from U.S. Bank have a wide range of annual fees from $0 to $400. In addition to annual fees, these are a couple of the fees that the bank may charge:

  • Late payment fees up to $40
  • Returned payment fees up to $40

Interest Rates

Most credit cards from U.S. Bank range from 14% to 25%. The interest rate you are charged is typically based on your creditworthiness and how you handle your account.

What Credit Score Is Needed for a U.S. Bank Credit Card?

U.S. Bank requires good (670) to excellent (800) credit for the majority of its consumer and business cards. In general, credit cards with the most perks tend to require higher credit scores. It does consider applicants with no credit history or lower credit scores starting at 350 for its non-rewards and secured card options.

How Often Will U.S. Bank Increase My Credit Limit?

U.S. Bank monitors customer credit reports on a regular basis for potential automatic credit limit increases. You can request a credit limit increase by calling customer service, online, or through the bank's mobile app. Typically, your account should be open for at least six months before requesting an increase. For additional credit limit increases, you should wait at least six months from approval to illustrate to the bank that you can responsibly handle the credit limit they have given you.

With your higher limit, your credit score should increase by making on-time payments and maintaining a low utilization of your credit limit.

How Good Is U.S. Bank's Customer Service?

U.S. Bank received a score of 786 out of 1,000 points in the 2020 J.D. Power U.S. Credit Card Satisfaction Study, placing it in the bottom two of national credit card issuers. The average score among major issuers was 810.

What Is the History of U.S. Bank?

U.S. Bank can trace its roots back to the time of the Civil War, when First National Bank of Cincinnati opened for business in 1863. After numerous mergers and acquisitions during the 20th century and turn of the 21st century, including U.S. Bancorp of Oregon, First National Bank of Minnesota, and Firstar Corporation, the current U.S. Bancorp was formed. Headquartered in Minneapolis, Minn., U.S. Bank is the fifth-largest banking organization in the nation, with more than 70,000 employees and over $544 billion in assets as of Dec. 31, 2020. In terms of its credit card portfolio's total outstanding balances, U.S. Bank currently ranks sixth-largest in the country.

Methodology

We reviewed every credit card offered by U.S. Bank to gather its fees, interest rates, one-time bonuses, earnings power, and benefits. We analyzed this data and assigned scores to rank each credit card against the others. These rankings enabled us to choose the best U.S. Bank credit cards for each customer type. We continuously monitor the bank's website and other publicly available sources to ensure we have the latest information available and provide you with our recommendations for each category.

MEET OUR CREDIT CARDS EXPERT

Ben Woolsey is Investopedia's Associate Editorial Director of Financial Products and Services, including credit cards. He has more than 30 years of experience in the financial services industry, including marketing for banking and financial institutions such as Associates First Capital and Bank One. Prior to Investopedia, he managed credit card content for CreditCards.com and Bankrate.com.

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
  1. J.D. Power. "J.D. Power 2020 U.S. Credit Card Satisfaction Study." Accessed Feb. 21, 2021.

  2. Federal Reserve. "Statistical Release: Large Commercial Banks." Accessed Feb. 23, 2021.