U.S. Bank Credit Cards

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.

You can check your U.S. Bank credit card balance through this link.

If you don't have an account, you can make one here. That same account will work on the U.S. Bank mobile app, so you will be able to check your balance on the go.

Lastly, you can call the phone number on the back of your card or 800-285-8585.

You can apply for a U.S. Bank credit card online.

If you need help with your application, call 800-644-7239.

Some of the best U.S. Bank credit cards are:

• U.S. Bank Visa Platinum Card
• U.S. Bank Cash+ Visa Signature Card
• Radisson Premier Visa Signature Credit Card
• Harley-Davidson Secured Credit Card
• SKYPASS Visa Signature Credit Card

These cards have different score requirements, and some of them offer rewards and promotional intro APR. The important thing is to find one that best fits your needs.

Keep in mind, though, that when you apply for a credit card, U.S. Bank will do a hard pull on your credit, so make sure you're eligible in order to avoid unnecessary credit damage.

The best U.S. Bank sign-up bonus is offered by the Radisson Premier Visa Signature® Credit Card, which gives 100,000 points for spending $3,000 in the first 90 days. U.S. Bank credit card bonuses range from $50 to 100,000 points, depending on the card.

Best U.S. Bank Credit Card Sign-Up Bonuses

• Radisson Premier Visa Signature® Credit Card: 100,000 points for spending $3,000 in the first 90 days
• U.S. Bank Altitude Reserve Visa Infinite® Card: 50,000 points for spending $4,500 in the first 90 days
• SKYPASS Visa® Signature Credit Card: 30,000 miles for spending $3,000 in the first 90 days.

To explore other options, check out 2021’s best credit card sign-up bonuses from all issuers.

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 $150 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. 

You can activate your U.S. Bank credit card 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.

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.

U.S. Bank does not offer unsecured credit cards for bad credit. Most U.S. Bank unsecured credit cards require excellent credit for approval. You will need at least good credit to qualify for U.S. Bank’s Radisson Premier Visa Signature hotel rewards card – the easiest unsecured option.

If you have bad credit, U.S. Bank offers secured credit cards with higher odds of approval than unsecured cards. They include the U.S. Bank Visa, Harley-Davidson, and Aeromexico secured cards. These U.S. Bank secured cards require a minimum $300 security deposit to open the account. The deposit is placed in an interest-bearing account and is fully refundable when you close the account in good standing.

The majority of credit cards are unsecured, rather than secured. The primary difference between the two is that unsecured cards do not require a security deposit to open the account. Otherwise, they function exactly the same way and report to the credit bureaus the same way.

You cannot get a U.S. Bank credit card joint application. You can, however add a joint owner to your existing credit card account.

To do this, sign in to your account and from the My Accounts page click on Customer Service, then Self-Service. From the Credit Cards, Charge Cards, Personal Lines section, choose Manage My Accounts.

Click on the Add Joint Owner PDF to download it. Fill out the form and make sure you sign it, as well as your potential joint-owner.

Fax the form to 1-866-568-7729 or send it via mail to:

Cardmember Service

PO Box 6352 Fargo

ND 58125-6352

You could also visit your local U.S. Bank branch to fill out the form in person.

The best U.S. Bank credit card for bad credit is the U.S. Bank Secured Visa® Card because it is designed for applicants with credit scores below 640. This U.S. Bank card also comes with a $0 annual fee and reports account activity to all three of the major credit bureaus.

Most other U.S. Bank credit cards require at least good-to-excellent credit for approval. But there are some options for people with lower scores to work with.

U.S. Bank Credit Cards for Bad Credit

• U.S. Bank Secured Visa® Card
• Harley-Davidson® Secured Credit Card

If you use the U.S. Bank Secured Visa® Card responsibly over time, you may be able to qualify for a U.S. Bank credit card with more attractive terms. Responsible card use means establishing a history of on-time payments and not maxing out the card’s credit limit.

The U.S. Bank credit card interest rate is 11.99% (V) to 23.99% (V), depending on an applicant’s creditworthiness and the card they’re applying for. Some U.S. Bank cards may also offer new cardholders introductory 0% interest rates on purchases or balance transfers for a set number of months. After a card’s intro rate expires, the regular interest rate applies to any remaining balance.

U.S. Bank Credit Card Interest Rates By Card

• Fred Meyer Credit Card: 11.99% to 23.99% (V)
• U.S. Bank Secured Visa® Card: 23.99% (V)
• U.S. Bank Cash+™ Visa Signature® Card: 13.99% to 23.99% (V)
• U.S. Bank Visa® Platinum Card: 14.49% to 24.49% (V)
• Radisson Premier Visa Signature® Credit Card: 13.99% to 22.99% (V)
• U.S. Bank Business Cash Rewards World Elite™ Mastercard®: 13.99% to 22.99% (V)

The regular rates on U.S. Bank credit cards are variable, meaning they can change based on certain economic conditions. U.S. Bank credit cards also come with a separate interest rate for cash advances and a penalty rate for delinquent payments.