U.S. Bank Credit Cards

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 2021

• U.S. Bank Cash+™ Visa Signature® Card
• U.S. Bank Altitude Reserve Visa Infinite® Card
• U.S. Bank Business Cash Rewards World Elite™ Mastercard®
• Radisson Premier Visa Signature® Credit Card

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.

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.

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.

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.

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.

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 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.

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.

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!