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 $1,000 in the first 120 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. 

Best U.S. Bank Rewards Cards for 2021

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.

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.

No, U.S. Bank is not closing down. U.S. Bank is downsizing considerably, though, having shuttered close to 600 of its branches from mid-2019 through the end of 2020 as more of its customers continue shifting to digital banking platforms to manage their accounts.

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. The branch closures are expected to save U.S. Bank up to $150 million annually, starting as early as the first quarter of 2021.

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 – a decline of around 5%.

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, 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) 872-2657.

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 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.

The easiest way you can apply for a U.S. Bank credit card is online, either through the website or via the U.S. Bank mobile app. Alternatively, you can apply by phone at (800) 644-7239 or at a U.S. Bank branch.

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

• Online: To apply online, visit the U.S. Bank’s website, click the link of the credit card you're interested in and then “Apply now.”
• Mobile app: You can also apply for a U.S. Bank credit card through the mobile app. From the Quick menu, (located at the bottom of the screen) select “More,” then “Shop” and “Credit Cards”. Lastly, select the desired card type and choose “Apply”.
• Phone: To apply via phone, just call (800) 644-7239 and you will be able to talk to a representative.
• U.S. Bank branch: Alternately, you can apply at your nearest U.S. Bank branch.

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

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.

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.

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 billing cycles with a 3% (min $5) balance transfer fee. After 20 months, the card’s regular APR of 14.49% - 24.49%* (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 APRs for 18 months and 12 months respectively, 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 14.99% - 23.99% (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.

Yes, U.S. Bank does have cash back credit cards. The best U.S. Bank cash back credit card is the U.S. Bank Cash+™ Visa Signature® Card, which gives 1 - 5% cash back on purchases and has an annual fee of $0. The U.S. Bank Cash+™ Visa Signature® Card also offers an initial bonus of $200 for spending $1,000 in the first 120 days after account opening.

U.S. Bank Cash Back Credit Cards

• U.S. Bank Cash+™ Visa Signature® Card: 1 - 5% cash back
• U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®: 1 - 3% cash back

Once you earn cash back on a U.S. Bank credit card, you can redeem it for statement credits, or deposits into U.S. Bank accounts.

The U.S. Bank cash advance fee is currently 5% (min $10) of the advance amount. Since cash advance fees and associated interest charges may vary over time, it's best to contact U.S. Bank at the number of the back of your card to get the most current rates. Just say "representative" or press "0" to speak with an agent.

Besides the cash advance fee, you'll be charged with a high cash advance APR with no grace period. You might also be charged with a fee when using another issuer's ATM.

These are enough reasons to avoid doing a cash advance. It's advisable to only do one in the case of an emergency, or if there are no other payment options available.