U.S. Bank Credit Cards
WalletHub makes it easy to find the best U.S. Bank credit card for you.
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- Earn 1 H-D™ Genuine Rewards point for every dollar of eligible net purchases.
- You can redeem every 2,500 points you earn for a $25 H-D™ Gift Card
- Gift Card can be redeemed at Harley® dealerships or online at h-d.com/store towards Harley® gear, accessories, service and more.
- Every time you use your card, you'll be entered for a chance to win a new motorcycle with the H-D™ Visa Free Ride Sweepstakes. You’ll also have the chance to win a $500 H-D™ Gift Card at the end of the year. Sweepstakes ends 12/31/2020.
- 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 secure savings account is FDIC-insured, earns interest and won't be touched as long as your account remains open and in good standing.
- When you've managed all of your credit obligations responsibly and consistently for 12 months, you may be able to move to an unsecured credit card.
- Benefits: Auto Rental Collision Damage Waiver, Emergency Cash and Card Replacement, Online Banking and Automatic Bill Pay.
- See More Details & Reviews About TheHarley-Davidson® Secured Credit Card
- 1,000 Bonus Points after first purchase.
- Up to 10% off on purchases with Aircraft Spruce & Specialty. Some restrictions may apply.
- Earn 2 points for every dollar spent on combined gas and aviation fuel eligible net purchases during each statement period up to 2,500 points annually.
- Earn 1 point for every dollar spent on all other eligible net purchases.
- Redeem points for travel, merchandise, gift certificates, cash back and more. Start redeeming with just 1,500 points.
- 0% Introductory APR for balances transferred within 30 days of account opening.
- No Preset Spending Limit.
- EAA provides opportunities to aviation enthusiasts for participation, representation in government and industry affairs, information resources and educational programs.
- $250,000 Travel Accident Insurance and Auto Rental Insurance. Certain terms, conditions and exclusions apply.
- Flexible payment options including U.S. Mail, AutoPay from any United States deposit account, telephone transfer, U.S. Bank ATM, Internet Banking, U.S. Bank branch locations.
- If you do not meet the criteria for the Visa Signature Card, your application may be processed for the Visa Select Rewards card. The cards have different terms and features.
- See More Details & Reviews About TheExperimental Aircraft Association Credit Card
- Get 20,000 Bonus points after you pay your annual fee or after first card use.
- Receive 4,000 Bonus points with your annual credit card renewal.
- Earn 2 points for every eligible $1 in net purchases charged for qualified tickets purchased directly from LATAM Airlines, their affiliated carriers or latam.com. Earn 1 point for every eligible net $1 you spend with no cap.
- 20% discount on first LATAM Airlines purchase (up to $1,000) 1 time per year.
- Receive 25% flight points bonus on points accrued on every LATAM Airlines or its affiliate carriers’ flight. Plus, get a 3 one-way upgrade coupons per year. Spend at least $15,000 each calendar year to renew these benefits.
- Refer a friend for one of the LATAM Visa Cards and get 5,000 bonus points. Terms Apply.
- Visa Signature Concierge, Visa Signature Travel, Shopping, Sports & Entertainment Benefits. Certain conditions and exclusions apply.
- Travel benefits: $1,000,000 Travel Accident Insurance, Travel and Emergency Assistance Services, Roadside Dispatch, Auto Rental Collision Damage Waiver and Warranty Manager Service.
- If you are eligible, you will receive the LATAM Visa Signature® Credit Card. If not, you will automatically be considered for the LATAM Credit Card. Benefits differ for the two cards.
- See More Details & Reviews About TheLATAM Visa Signature® Credit Card
- Earn 1,500 bonus points with a purchase in the first 90 days.
- Earn 2 Points per eligible net $1 spent at Polaris Dealerships and at Gas Stations.
- Earn 1 Point per eligible net $1 spent everywhere else Visa is accepted.
- Redeem 2,500 points for $25 in Polaris Cash, which can be used at participating Polaris Dealerships.
- You can request up to two additional cards for family members at no cost.
- Travel benefits: Roadside Dispatch and Auto Rental Collision Damage Waiver.
- Online Banking and Automatic Bill Pay.
- Zero Fraud Liability, Lost/Stolen Card Reporting, Cardholder Inquiry Service, Emergency Cash & Card Replacement.
- See More Details & Reviews About ThePolaris Credit Card
- Get 30,000 SKYPASS Bonus Miles after you spend $3,000 within the first 90 days of account opening.
- Receive 2,000 Bonus Miles at renewal and two KAL Lounge coupons each year.
- Get a $50 off coupon for Korean Air ticket purchase on account opening and on each anniversary.
- Earn 2 miles for every $1 charged on qualified Korean Air net ticket purchases, gas station and hotel purchases; 1 mile for every $1 you spend in eligible net purchases with no cap.
- Redeem miles for reward travel and upgrades on Korean Air and SkyTeam partners.
- Purchases made on your card help you reach and maintain Morning Calm Club membership.
- Visa Signature Concierge, Special Offers on Travel, Entertainment, Shopping and Sports.
- Bilingual automated 24-hour account access and customer service available.
- Travel & Emergency Assistance, Roadside Dispatch and Auto Rental Collision Damage Waiver.
- Purchase Security, Lost luggage reimbursement and Warranty manager service.
- Automatic Bill Pay and Online Banking.
- See More Details & Reviews About TheSKYPASS Visa® Signature Credit Card
- Earn 5 points per eligible net $1 spent in the Harris Teeter stores (excluding fuel centers) for the first 90 days after account opening, up to $2,500 in purchases. Offer valid for new accounts opened by 1/15/2021.
- 1 point per eligible net $1 spent anywhere Mastercard is accepted.
- 2 points per $1 spent on Ralphs and all Kroger® Family of Companies (excluding fuel centers).
- 3 points per eligible net $1 spent on on the Ralphs and Kroger Family of Companies Own Brand Products.
- Rewards are sent automatically every quarter. Receive a $5 rewards certificate for every 1,000 points you collect.
- 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™.
- See More Details & Reviews About TheRalphs Credit Card
- Earn 5 points per $1 of net eligible purchases on other brand products inside Kroger Family of Companies (excluding Kroger fuel centers) for the first 90 days after account opening, up to $2,500 in purchases. Offer valid for new accounts opened by 1/15/2021.
- Earn 3 points per $1 of net eligible purchases on Kroger family of companies own brand products.
- Earn 2 points per eligible net $1 spend in the Kroger Family of Companies (excluding fuel centers).
- Earn 1 point per $1 of net eligible purchases everywhere else. No limit on the amount of points earned.
- Save an additional 25¢ per gallon for the first year of account opening each time you redeem at least 100 fuel points at participating Kroger Family of Companies Fuel Centers. Upon expiration, receive additional 5¢ fuel discount.
- Rewards are sent automatically every quarter. Every 1,000 points you earn gets you $5 in free groceries.
- Zero Fraud Liability and Mastercard Global Service™.
- Travel and Lifestyle Benefits: Travel Assistance Services and Cellular Wireless Telephone Protection.
- Mastercard ID Theft Protection™.
- Three cards in one - Rewards Card, Shopper's Card and Mastercard.
- See More Details & Reviews About TheKroger Credit Card
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Editors’ Picks: 2020’s Best U.S. Bank Credit Cards
The best U.S. Bank credit card is the U.S. Bank Cash+™ Visa Signature® Card because it has a $0 annual fee and gives a $200 sign-up bonus to new cardholders who spend $500 within 90 days of opening an account. The U.S. Bank Cash+ Card also offers very good ongoing rewards, giving 1 - 5% cash back on purchases.
In addition to its rewards, the U.S. Bank Cash+ Card offers an introductory APR of 0% for 12 months on balance transfers. But there are better options available if you mainly want to save on interest. The best U.S. Bank 0% APR credit card is the U.S. Bank Visa® Platinum Card because it offers 0% for 20 months on purchases and balance transfers. You can check out all of the top cards, as selected by WalletHub’s editors, below.
2020’s Best U.S. Bank Credit Cards
| Credit Card | Best For | Annual Fee | Min. Credit Needed |
| U.S. Bank Visa® Platinum Card | 0% APRs | $0 | Excellent |
| Harley-Davidson® Secured Credit Card | Bad Credit | $0 | Bad |
| U.S. Bank Cash+™ Visa Signature® Card | Bonus Cash Back | $0 | Good |
| Radisson Premier Visa Signature® Credit Card | Bonus Rewards Points | $75 | Good |
| U.S. Bank Business Cash Rewards World Elite™ Mastercard® | Business Rewards | $0 | Excellent |
| U.S. Bank Altitude Reserve Visa Infinite® Card | Travel Rewards | $400 | Excellent |
You can learn more about U.S. Bank credit card offers below. We also recommend checking out the best credit cards across all major issuers to make sure you get the best deal.
Questions & Answers
Comparing u.s. bank credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
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What is the best U.S. Bank rewards card? Reply
The best U.S. Bank rewards card is the U.S. Bank Cash+™ Visa Signature® Card because it has a $0 annual fee and rewards cardholders with 1 - 5% cash back on purchases. The U.S. Bank Cash+™ Visa Signature® Card also has a $200 initial rewards bonus for spending $500 in the first 90 days. Plus, U.S. Bank Cash+ is unique in that you’re able to pick the categories you earn 5% and 2% cash back on. You can select new categories every quarter, and you’ll earn 1% cash back on all other purchases.
All in all, U.S. Bank rewards cards offer some excellent rewards rates and signup bonuses, if you can get approved. Applicants generally need excellent credit to qualify. There are a few other good options, too, in addition to the Cash+ Visa.
Best U.S. Bank Rewards Cards for 2020
What's the best U.S. Bank business credit card? Reply
The best U.S. Bank business credit card is the Business Leverage Visa Signature card for people with excellent credit. It has $0 annual fee in the first year, $95 after and it offers:
- 75,000 points for purchases of at least $7,500 in the first 4 months of account opening
- 2 points/$1 spent in your top two spending categories that adjust automatically
- 1 point/$1 spent on everything else
- No caps or limits on the points you can earn
- 0% foreign transaction fee
- Free employee cards
Another great card is the U.S. Bank Business Platinum Card, without an annual fee and 0% intro APR for purchases and balance transfers for the first 15 months.
What are the minimum US Bank credit card credit score requirements? Reply
The U.S. Bank credit card credit score requirements vary by card.
If your score is bad, the best choice would be to get the Harley-Davidson Secured Credit card.
If your score is excellent, you could go for the U.S. Bank Visa Platinum card.
Apart from your credit score, US Bank will also look at other factors, such as your credit history, your disposable income and assets you may have, as well as any potential debts and liabilities.
What's the best U.S. Bank student credit card? Reply
The Best U.S. Bank student credit card is the U.S. Bank Cash+ Visa Signature Card. You need at least a good, or excellent credit score to get approved for it, and it offers:
- $200 initial bonus for purchases of at least $500 in the first 90 days of account opening
- 5% cash back in two spending categories of your choice on your first $2,000 spent each quarter
- 2% cash back in a spending category of your choice each quarter
- Intro balance transfer APR of 0% for 12 months
- $0 annual fee
U.S. Bank doesn't have credit cards specifically designed for students. So if you're looking for a card for which you can apply with a limited credit history, check out these.
How can I get a US Bank cash advance? Reply
You can get a US Bank cash advance at any ATM. You will need a PIN for your credit card, which you can request to have mailed to you by clicking "Contact Us" at the top of this page.
But as with any credit card, cash advances are extremely expensive. You get charged a flat fee when withdrawing plus hefty interest that starts piling up from the very moment you take the money out of the ATM. It is best to avoid cash advances.
How do I activate my U.S. Bank card? Reply
You can activate your U.S. Bank credit card online or over the phone. Activating your new U.S. Bank credit card should take no more than five minutes, regardless of which option you choose. You’ll need to give some personal information, namely your Social Security number and your new card number, to complete the process and begin using your new card.
To activate a U.S. Bank card by phone, call the US Bank credit card customer service number: 800-285-8585. There are also phone numbers for each specific U.S. Bank credit card to expedite the process. You can find yours on the sticker of your new credit card.
To activate a U.S. Bank card online, go to the U.S. Bank’s credit card activation page. If you’ve already enrolled in U.S Bank’s Online Banking, then click the button that says “Log in and activate.” If you haven’t enrolled yet, click the second button that says “Enroll and activate.”
Online activation options from the major banking institutions have made activating your credit card easier than ever before. If you don’t activate your card, you’ll have trouble making purchases with it. This might seem like an inconvenience, but it keeps us safer from fraud.
How do you do a U.S. Bank balance transfer? Reply
The best way to do a U.S. Bank balance transfer is to apply for the U.S. Bank Visa® Platinum Card, which has a balance transfer APR of 0% for 20 months with a 3% (min $5) balance transfer fee. After 20 months, the card’s regular APR of 13.99% - 23.99% (V) kicks in, applying to any balance remaining at that time. U.S. Bank accepts balance transfers from auto loans, personal loans, student loans and credit cards from other issuers.
You can request a U.S. Bank balance transfer online, by phone, or with a balance transfer check (which may be available by request). You just have to provide some basic information about the account you want to transfer a balance from and the amount you wish to transfer. U.S. Bank will determine how much to allow you to transfer by reviewing your credit history, income and existing debt.
It’s best to request your transfer when opening an account, or soon after, so you can take advantage of the promotional financing. A U.S. Bank balance transfer provides 12 to 20 months to pay off existing debt at 0% interest.
Here is how to do a U.S. Bank balance transfer:
Online: Log into your online account, select your credit card, and click the “Request a Balance Transfer” link from the “Take Action” menu. Put in the creditor’s name and address, your account number, and the amount you wish to transfer, then submit.
Phone: Call U.S. Bank customer service at 1 (800) 285-8585. When prompted, say “main menu,” then “representative.” State that you’re requesting a balance transfer, and provide the customer service rep with the necessary information.
Balance transfer check: Using a balance transfer check is a bad idea because U.S. Bank will treat the transaction as a cash advance. That means fees and interest will be too expensive for this type of transfer to make sense.
Eligible balances: U.S. Bank accepts balances owed on credit cards, personal loans, auto loans and more from other banks and credit unions. You cannot transfer balances from other U.S. Bank accounts.
Processing Time: It may take up to two weeks for a balance transfer to post to your account. Make sure to continue paying your original creditor until the transfer goes through. You’ll ultimately get credit from U.S. Bank.
The U.S. Bank Visa® Platinum Card isn’t the only notable balance transfer credit card that U.S. Bank has to offer. For example, the U.S. Bank Cash+™ Visa Signature® Card and Harley-Davidson® Credit Card have 0% balance transfer APR for 12 months, with a 3% (min $5) transfer fee. The regular APR for the U.S. Bank Cash+™ Visa Signature® Card is 13.99% - 23.99% (V) and for the Harley-Davidson® Credit Card is 13.99% - 22.99% (V). You will need good or excellent credit to have a better chance of being approved for any of the 0% balance transfer U.S. Bank cards.
What's the best U.S. Bank cash back credit card? Reply
The best U.S. Bank cash back credit card is the U.S. Bank Cash 365 American Express card because it gives unlimited 1.5% cash back on every purchase. The card also has a $150 signup bonus. With no annual fee and unlimited cash back, the excellent credit required is pretty standard.
Best U.S. Bank Cash Back Credit Cards:
U.S. Bank Cash 365 American Express Card
Unlimited 1.5% cash back on every purchase. $150 signup bonus for spending $500 in the first 3 months. $0 annual fee.
US Bank Cash+ Visa Signature Card
5% cash back on the first $2,000 spent each quarter in two categories you choose. 2% cash back on one “everyday” category of your choice, like groceries or gas. 1% cash back on everything else. $200 signup bonus for spending $500 in the first 3 months. $0 annual fee.
U.S. Bank Business Cash Rewards World Elite Mastercard
3% cash back on cellular products and services, gas purchases of $200 or less, and office supply purchases. 1% cash back on everything else, and an annual bonus equal to 25% of the rewards you’ve earned in the year (capped at $250). $0 annual fee.
If the cash back and bonuses aren’t enough for you, the cards also offer awesome 0% APR periods for balance transfers and purchases.
What's the US Bank cash advance fee? Reply
The U.S. Bank cash advance fee is 4% of the advance amount $10, whichever's greater.
Besides the fee you’ll be charged with a high cash advance APR without a grace period. If you’re not able to use a U.S. Bank ATM, you might also be charged with an ATM fee.
These are enough reasons to avoid doing a cash advance. Do one only if there are no other payment options available, or if you are having an emergency!
Featured Credit Cards
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