Best U.S. Bank Credit Cards

The best U.S. Bank rewards card is the U.S. Bank Cash+® Visa Signature® Card because it rewards cardholders with 1 - 5% cash back on purchases. The U.S. Bank Cash+® Visa Signature® Card also offers $200 cash back for spending $1,000 in the first 120 days after opening an account. 

In addition, with the U.S. Bank Cash+, you can choose and activate new 5% and 2% categories each quarter. This allows you to maximize your rewards based on your spending habits. The 5% rewards rate only applies to the first $2,000 in eligible purchases made each quarter.

Best U.S. Bank Rewards Cards for 2023

All in all, U.S. Bank rewards cards offer some excellent rewards rates and signup bonuses, if you can get approved. Applicants generally need at least good credit to qualify.

One of the best U.S. Bank business credit cards is the U.S. Bank Business Leverage® Visa Signature® Card. This card comes with an initial bonus of $750 for spending $7,500 in the first 120 days. The card also offers 1 - 5% cash back spent, depending on the type of purchase, and its annual fee is: $0 intro for 12 mos, $95 after.

Here are some of the best U.S. Bank business credit cards:

Keep in mind that the best credit cards for businesses come with big initial bonuses, generous rewards, 0% introductory APRs, or $0 fees. You can check out our editors’ latest picks for the best business credit cards on the market to weigh your options.

No, U.S. Bank is not closing down. U.S. Bank is downsizing considerably, though, having shuttered almost 860 of its branches from mid-2019 through the end of 2021.

One of the reasons why the U.S. bank is closing branches is that an increasing number of customers continues shifting to digital banking platforms to manage their accounts. Hence, many of the branches that were temporarily closed in 2020, because of the coronavirus pandemic, have since closed permanently, according to officials from U.S. Bank.

U.S. Bank’s branch closures are part of an overall trend nationwide. More than 4,400 bank branches across the country have closed between 2017 and 2020. On top of that, bank branch closures increased by 38% in 2021. As a result, shuttered branches exceeded 2,900, setting a new record high.

No, U.S. Bank does not have any student credit cards. The best U.S. Bank credit card for college students is the U.S. Bank Secured Visa® Card because it offers N/A spent, depending on the type of purchase. This is the easiest U.S. Bank credit card to get, since it accepts applicants with limited credit history. The U.S. Bank Secured Visa® Card also has a $0 annual fee.

While it’s possible for college students to get credit cards from U.S. Bank, you may want to first check out the best student credit cards currently being offered by other issuers. Student credit cards usually offer better rates and rewards than regular credit cards for limited credit.

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 visiting your local branch or contacting customer service at (800) 285-8585.

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.

You can activate your U.S. Bank credit card either online or over the phone at (800) 285-8585. 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.

Here’s how to activate your U.S. Bank 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.”

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.

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.  

You can apply for a U.S. Bank credit card online, via the U.S. Bank mobile app, or by phone at (800) 872-2657. Alternatively, you can apply at a U.S. Bank branch. Once you submitted your application, it can take 7-10 business days to receive a decision.

Here’s how you can apply for a U.S. Bank credit card:

• Online: To apply online, visit the U.S. Bank’s website, select the credit card you're interested in and then click on “Apply now.”
• Mobile app: You can also apply for a U.S. Bank credit card through the mobile app. Select Explore & apply at the bottom of the main dashboard. Then, review the credit cards available, select the desired card and choose “Apply”.
• Phone: To apply via phone, just call (800) 872-2657 and follow the prompts to get connected to a representative. You can also call them if you need assistance with your online application.
• U.S. Bank branch: You can apply at your nearest U.S. Bank branch during normal business hours.

U.S. Bank credit cards have different score requirements, so you might want to check your credit score before applying for one. Some of them offer rewards and promotional intro APR offers.

Lastly, you can take a look at our editors’ latest picks for the best U.S. Bank credit cards on the market to find one that best fits your needs.