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U.S. Bank Visa® Platinum Card U.S. Bank Visa® Platinum Card
Purchase Intro APR
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0% for 20 billing cycles
Transfer Intro APR
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0% for 20 billing cyclesTransfer Fee: 3% (min $5)
Regular APR
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15.99% - 25.99% (V)
WalletHub's Take: The U.S. Bank Visa® Platinum Card is a very good 0% APR credit card for people with good credit or better, giving new cardholders introductory rates of 0% for 20 billing cycles on new purchases and 0% for 20 billing cycles on balance transfers. U.S. Bank Visa Platinum also has a $0 annual fee.
Read our editor's full U.S. Bank Platinum review.
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- Reports to the three major credit bureaus
Cons
- No rewards
- No rewards bonus
- Balance transfer fee
- Foreign fee
Additional Info
- Limited Time Offer!
- 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 15.99%-25.99%.
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule
- No Annual Fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Terms and conditions apply.
U.S. Bank Cash+® Visa Signature® Card U.S. Bank Cash+® Visa Signature® Card
Purchase Intro APR
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0% for 15 billing cycles
Transfer Intro APR
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0% for 15 billing cyclesTransfer Fee: 3% (min $5)
Regular APR
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15.99% - 25.99% (V)
Annual Fee
$0
Rewards Rate
1 - 5% Cash Back
Minimum Credit
Good
WalletHub's Take: The U.S. Bank Cash+® Visa Signature® Card is a good cash back credit card for people with good or excellent credit who want the opportunity to earn lots of bonus rewards without paying an annual fee. The U.S. Bank Cash+ offer starts with an easy-to-earn sign-up bonus: $200 for spending $1,000 in the first 120 days. There’s no letup with its ongoing rewards, either, as cardholders earn 5% cash back on up to $2,000 spent in two bonus categories each quarter, plus unlimited 2% cash back in one quarterly bonus category and 1% back on everything else.
Read our editor's full U.S. Bank Cash+ review.
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
Cons
- Spending caps on rewards
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
Rewards Details
- New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center
- 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
- 1% cash back on all other eligible purchases
- Terms and conditions apply.
Additional Info
- 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 15.99% - 25.99%
- No Annual Fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
U.S. Bank Altitude® Go Visa Signature® Card U.S. Bank Altitude® Go Visa Signature® Card
Purchase Intro APR
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0% for 12 billing cycles
Transfer Intro APR
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0% for 12 billing cyclesTransfer Fee: 3% (min $5)
Regular APR
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16.49% - 25.49% (V)
Annual Fee
$0
Rewards Rate
1 - 4 points / $1
Minimum Credit
Excellent
WalletHub's Take: The U.S. Bank Altitude® Go Visa Signature® Card is a good credit card for people with an excellent credit score who want to earn above-average rewards on dining, grocery shopping, gas and streaming services. U.S. Bank Altitude Go also is worthwhile for people interested in a 0% introductory APR and a $0 annual fee. The card’s initial bonus of 20,000 points is worth considering, too.
Read our editor's full U.S. Bank Altitude Go review.
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
Cons
- Balance transfer fee
- Requires excellent credit
Rewards Details
- Intro 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.
- 4X points on dining, takeout, and restaurant delivery.
- 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
- 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
- 1X point on all other eligible purchases.
- Points never expire
- Terms and conditions apply.
Additional Info
- 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 16.49% - 25.49%.
- No Annual Fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Ralphs Credit Card Ralphs Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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15.49% - 28.49% (V)
Annual Fee
$0
Rewards Rate
1 - 5 points / $1
Minimum Credit
Good
WalletHub's Take
Pros
- No membership fees
- High rewards rate
- $100 initial rewards bonus
- No foreign fee
Cons
- Spending caps on rewards
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
Read our editor's full Ralphs Credit Card review.
Rewards Details
- Earn $100 statement credit when you apply, get approved and spend $500 on your Card on eligible purchases the first 90 days.
- 5 points (5% cash back) per $1 spent on mobile wallet transactions (excluding Kroger Pay) up to $3,000 in a calendar year.
- 3 points (3% cash back) per $1 spent at Restaurants, Bars, Fast-Food, and Fuel Stations, including Kroger Family of Companies Fuel Centers up to $6,000 in per year.
- 2 points (2% cash back) for every $1 in eligible net purchases inside Kroger Family of Companies and 1 point (1% cash back) for every $1 on all other eligible net purchases.
- Once you earn a minimum of $10 in Rewards you can redeem your cash back via a statement credit or Real-Time Rewards. Earn a minimum of $25 in Rewards to redeem for a Kroger Family of Companies Gift Cards.
Additional Info
- Zero Fraud Liability and virtual assistance with Mastercard Global Service™.
- Travel and Lifestyle Benefits: Travel Assistance Services and Cellular Wireless Telephone Protection.
- Mastercard ID Theft Protection™.
Kroger Credit Card Kroger Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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15.49% - 28.49% (V)
Annual Fee
$0
Rewards Rate
1 - 5 points / $1
Minimum Credit
Good
WalletHub's Take
Pros
- No membership fees
- High rewards rate
- Bonus categories
- No foreign fee
Cons
- No rewards bonus
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
Read our editor's full Kroger Credit Card review.
Rewards Details
- Earn 5 points (5% cash back) per $1 spent on mobile wallet transactions (excluding Kroger Pay) up to $3,000 per calendar year.
- Earn 2 points (2% cash back) per $1 spent inside Kroger Family of Companies (excluding Kroger Family of Companies Fuel Centers).
- Earn 1 point (1% cash back) per $1 of net eligible purchases everywhere else.
- Apply by September 1, 2022 to earn an additional $.55 off per gallon of fuel each time you redeem at least 100 fuel points at Kroger Fuel Centers for the first year and thereafter when you spend $6,000 in a calendar year once the additional $.55 discount has expired, you will receive a 25¢ discount for the remainder of that calendar year and for the entirety of the next calendar year, ending the following January 31.
- Once you earn a minimum of $10 in Rewards you can redeem your cash back via a statement credit or Real-Time Rewards. Earn a minimum of $25 in Rewards to redeem for a Kroger Family of Companies Gift Cards.
Additional Info
- Travel and Lifestyle Benefits: gain access to Mastercard Travel & Lifestyle Services, a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in class travel companies across hotels, air travel, tours, cruises, car rentals and more.
- Zero Fraud Liability and virtual assistance with Mastercard Global Service™.
- Mastercard ID Theft Protection™.
Fred Meyer Credit Card Fred Meyer Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
→
15.49% - 28.49% (V)
Annual Fee
$0
Rewards Rate
1 - 5 points / $1
Minimum Credit
Good
WalletHub's Take
Pros
- No membership fees
- High rewards rate
- Bonus categories
- No foreign fee
Cons
- No rewards bonus
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
Read our editor's full Fred Meyer Credit Card review.
Rewards Details
- Earn 5 points (5% cash back) for every $1 in eligible net purchases on mobile wallet transactions (excluding Kroger Pay) up to $3,000 per calendar year.
- Earn 2 points (2% cash back) for every $1 in eligible net purchases inside Kroger Family of Companies (excluding Kroger Family of Companies Fuel Centers).
- Earn 1 point (1% cash back) for every $1 spent on all other eligible net purchases.
- Apply by September 1, 2022 and save up to $1.55 cents per gallon of fuel each time you redeem at least 1,000 fuel points for the first year and thereafter when you spend $6,000 in a calendar year once the additional 55¢ discount has expired, you will receive a 25¢ discount for the remainder of that calendar year and for the entirety of the next calendar year, ending the following January 31.
- Once you earn a minimum of $10 in Rewards you can redeem your cash back via a statement credit or Real-Time Rewards. Earn a minimum of $25 in Rewards to redeem for a Kroger Family of Companies Gift Cards.
Additional Info
- Travel and Lifestyle Benefits: gain access to Mastercard Travel & Lifestyle Services, a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in class travel companies across hotels, air travel, tours, cruises, car rentals and more.
- Zero Fraud Liability and virtual assistance with Mastercard Global Service™.
- Mastercard ID Theft Protection™.
U.S. Bank Secured Visa® Card U.S. Bank Secured Visa® Card
Secured Card
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Min Deposit of $300
One-Time Fees
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$0
Regular APR
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25.49% (V)
WalletHub's Take
Pros
- No membership fees
- Qualify with bad credit
Cons
- No rewards
- No rewards bonus
- Balance transfer fee
- High Regular APR
Read our editor's full U.S. Bank Secured Visa® Card review.
Additional Info
- Credit limit based on your deposit, from $300 to $5,000.
- If your application is approved, the issuer will send you a credit card with a credit line the same amount as your deposit.
- The deposit is used to open a U.S. Bank secured savings account to ensure your card can be paid. The account is FDIC-insured, earns interest and won't be touched as long as your account remains open and in good standing.
- Payments are not automatically deducted from your secured savings account. You're responsible for making at least your minimum payment by the monthly due date.
- You will have an option to pick your credit card due date. Not all payment due dates may be available.
NO FOREIGN FEE
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Questions & Answers
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