Best U.S. Bank Credit Cards of 2024


U.S. Bank has a credit card for every kind of consumer, whether you’re looking for one that comes with a 0% intro APR so you can pay off a major purchase or you’ve been meaning to start racking up rewards points to redeem for future travels. There are also options if you’d like to use a secured credit card to help build credit or if you spend a lot on dining, gas, groceries and other everyday categories and just want to earn some extra cash back for purchases you’re making anyway.

Below, CNBC Select details the best personal and business U.S. Bank credit cards for those wishing to earn rewards points or cash back, or anyone who wants to start with 15 to 18 months of no interest.

Best U.S. Bank credit cards

U.S. Bank Altitude® Go Visa Signature® Card

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Information about the U.S. Bank Altitude® Go Visa Signature® Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    4X points on dining, takeout, and restaurant delivery, 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more, 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024), 1X point on all other eligible purchases 

  • Welcome bonus

    20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That’s a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.

  • Annual fee

  • Intro APR

    0% for the first 12 billing cycles on balance transfers and purchases

  • Regular APR

    18.24% – 29.24% (Variable)

  • Balance transfer fee

    Either 3% of the amount of each transfer or $5 minimum, whichever is greater

  • Foreign transaction fee

  • Credit needed

See rates and fees, terms apply.

  • No annual fee
  • High 4X points on takeout, food delivery and dining
  • Annual $15 credit for eligible streaming service purchases
  • No foreign transaction fees

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  • Estimated rewards earned after 1 year: $581
  • Estimated rewards earned after 5 years: $2,104

Rewards totals incorporate the points earned from the welcome bonus

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Who’s this for? If you’re looking for a no-annual-fee card that lets you earn rewards points, offers credits for streaming subscriptions and has a 0% intro APR, the U.S. Bank Altitude® Go Visa Signature® Card is the way to go.

Standout benefits: With this card, cardmembers can earn elevated rewards on many common purchases, including on dining, streaming services, at grocery stores (in-store or delivery) and at gas stations and EV charging stations (discount stores/supercenters, grocery stores and wholesale clubs excluded effective Sept. 9, 2024).

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U.S. Bank Cash+® Visa Signature® Card

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Information about the U.S. Bank Cash+® Visa Signature® Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose, 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center, 2% cash back on one everyday category, like gas stations/EV charging stations, grocery stores or restaurants, 1% cash back on all other eligible purchases

  • Welcome bonus

    $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening

  • Annual fee

  • Intro APR

    0% for the first 15 billing cycles on purchases and balances transferred within 60 days from account opening

  • Regular APR

    19.49% – 29.74% (Variable)

  • Balance transfer fee

  • Foreign transaction fee

  • Credit needed

See rates and fees, terms apply.

  • No annual fee
  • High 5% cash back on select purchases, when you activate bonus categories
  • Low spending required to earn a good welcome bonus

  • 5% cash back is limited to $2,000 in combined purchases each quarter
  • Activation is required to earn 5% cash back
  • 3% foreign transaction fee

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  • Estimated rewards earned after 1 year: $478
  • Estimated rewards earned after 5 years: $1,790

Rewards totals incorporate the points earned from the welcome bonus

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Who’s this for? If you’re interested in earning cash back on everyday purchases and saving on interest, the U.S. Bank Cash+® Visa Signature Card could be a good pick.

Standout benefits: You’ll earn 5% cash back on the first $2,000 worth of combined eligible purchases every quarter on the two spending categories of your choice — cell phone providers; TV, internet and streaming services; fast food; department stores; electronics stores; home utilities; certain clothing stores; sporting goods stores; movie theaters; furniture stores; gyms and fitness centers; and ground transportation.

You’ll also get 2% cash back on your choice of one everyday spending category — choose from restaurants, gas and EV charging stations or grocery shopping — as well as 1% cash back on all other eligible purchases.

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U.S. Bank Altitude® Connect Visa Signature® Card

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Information about the U.S. Bank Altitude® Connect Visa Signature® Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 4X points on travel, gas stations, and EV charging stations through September 8, 2024, after that 4X on your first $1,000 each quarter (wholesale clubs and discount stores/supercenters excluded), 2X on dining, streaming services and at grocery stores (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024), 1X point on all other eligible purchases

  • Welcome bonus

    Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening. That’s a $500 value redeemable towards travel and more.

  • Annual fee

    $0 intro annual fee for the first year, $95 thereafter

  • Intro APR

  • Regular APR

    21.24% – 29.24% (Variable)

  • Balance transfer fee

    Either 3% of the amount of each transfer or $5 minimum, whichever is greater

  • Foreign transaction fee

  • Credit needed

See rates and fees, terms apply.

  • Excellent rewards rate for travel
  • Global Entry/TSA PreCheck fee credit

  • No transfer partners
  • Lounge access is limited to four visits per year

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U.S. Bank Altitude® Reserve Visa Infinite® Card

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Information about the U.S. Bank Altitude® Reserve Visa Infinite® Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 3X points on every $1 on eligible travel and mobile wallet spending on Apple Pay®, Google Pay™ and Samsung Pay

  • Welcome bonus

    Earn 50,000 bonus points (worth $750 on travel) after spending $4,500 in your first 90 days of account opening

  • Annual fee

  • Intro APR

  • Regular APR

    22.24% to 29.24% (Variable)

  • Balance transfer fee

    3% of the amount of each transfer or $5 minimum

  • Foreign transaction fee

  • Credit needed

See rates and fees, terms apply.

  • Global Entry/TSA PreCheck application fee credit
  • Up to $325 in travel and dining credits per year
  • Great return on mobile wallet purchases

  • $400 annual fee
  • Airport lounge access isn’t unlimited

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U.S. Bank Visa® Platinum Card

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Information about the U.S. Bank Visa® Platinum Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

  • Welcome bonus

  • Annual fee

  • Intro APR

    0% for the first 18 billing cycles on balance transfers and purchases

  • Regular APR

    18.74% – 29.74% (Variable)

  • Balance transfer fee

    An introductory fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater, for balances transferred within 60 days of account opening. After that, either 5% of the amount of each transfer or $5 minimum, whichever is greater

  • Foreign transaction fee

  • Credit needed

  • No annual fee
  • Cell phone protection plan

  • No rewards program
  • Has a foreign transaction fee
  • Balances must be transferred within 60 days from account opening

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Who’s this for? Anyone thinking about making a larger purchase (or who has a big balance transfer in mind) and prefers to have a longer-than-usual 0% introductory APR should check out the U.S. Bank Visa® Platinum Card.

Standout benefits: The card offers no interest on purchases and balance transfers for the first 18 billing cycles (after, 18.74% – 29.74%, variable) — and has no annual fee — giving you plenty of time to pay off that big-ticket item you’ve been thinking about at a reasonable pace. There’s an introductory balance transfer fee of 3% of each transfer ($5 minimum) for transfers made within 60 days of opening the account. After that, the balance transfer fee increases to 5% of each transfer with a $5 minimum.

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U.S. Bank Altitude® Go Visa® Secured Card

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Information about the U.S. Bank Altitude® Go Visa® Secured Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    4X points per dollar spent on dining, 2X on streaming services, at grocery stores (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024) and at gas stations/EV charging stations (discount stores/supercenters, grocery stores and wholesale clubs excluded effective September 9, 2024) and 1X points per dollar spent on all other eligible purchases; cardmembers are also eligible for a $15 credit for annual streaming service purchases

  • Welcome bonus

  • Annual fee

  • Intro APR

  • Regular APR

  • Balance transfer fee

    Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

  • Foreign transaction fees

  • Credit needed

  • No annual fee
  • You can earn travel rewards for everyday spending, a rare feature for a secured credit card
  • No fee charged on purchases made outside the U.S.
  • $15 credit for annual streaming service purchases

  • Requires a $300 to $5,000 deposit to open the card
  • No welcome offer
  • High APR

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Who’s this for? If you’re looking to build credit with a secured credit card that allows you to earn rewards points, consider the U.S. Bank Altitude® Go Visa® Secured Card.

Standout benefits: Cardholders can earn 4X points at restaurants; 2X points on streaming services, at grocery stores and gas stations and EV charging stations. All other eligible purchases earn 1X points. (As of Sept. 9, 2024, you won’t earn 2X points on grocery purchases at discount stores/supercenters or wholesale clubs and you won’t earn 2X points on gas/EV charging purchases at grocery stores, discount stores/supercenters or wholesale clubs.)

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U.S. Bank Cash+® Visa® Secured Card

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Information about the U.S. Bank Cash+® Visa® Secured Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you choose, 2% cash back on eligible purchases in your choice of one everyday category (like gas stations, grocery stores and restaurants) and 1% cash back on all other eligible purchases

  • Welcome bonus

  • Annual fee

  • Intro APR

  • Regular APR

  • Balance transfer fee

    Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

  • Foreign transaction fees

  • Credit needed

  • No annual fee
  • You can earn cash-back for everyday spending, a rare feature for a secured credit card
  • Opportunity to upgrade to an unsecured card if you pay your bills on time and stay within your credit limit

  • No welcome offer
  • High APR
  • 3% fee charged on purchases made outside the U.S.

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Who’s this for? The U.S. Bank Cash+® Visa® Secured Card is a secured credit card that lets cardholders earn cash-back rewards and build credit at the same time.

Standout benefits: This card earns 5% cash back on your first $2,000 worth of combined purchases in the two spending categories you choose. The spending categories include:

  • Fast food
  • TV, internet and streaming services
  • Cell phone providers
  • Home utilities
  • Department stores
  • Electronics stores
  • Sporting goods stores
  • Movie theaters
  • Select clothing stores
  • Furniture stores
  • Ground transportation
  • Gyms and fitness centers

You’ll also earn 5% cash back on prepaid hotels and rental cars reserved via the Rewards Center and 2% cash back on your choice of one everyday spending category. Just remember to choose your preferred categories each quarter to earn your points for those purchases.

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U.S. Bank Triple Cash Rewards Visa® Business Card

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Information about the U.S. Bank Triple Cash Rewards Visa® Business Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center, 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants, 1% cash back on all other eligible net purchases

  • Welcome bonus

    Earn $500 in cash back. Just spend $4,500 on the account owner’s card in the first 150 days of opening your account.

  • Annual fee

  • Intro APR

    0% for 15 billing cycles on purchases and balance transfers

  • Regular APR

    19.24% – 28.24% (Variable)

  • Balance transfer fee

    Either $5 or 3% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

  • Credit needed

See rates and fees, terms apply.

  • No annual fee
  • $500 welcome bonus offer
  • Interest-free period for the first 15 billing cycles on purchases and balance transfers
  • Annual $100 statement credit for recurring software subscription services

  • 3% foreign transaction fee

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U.S. Bank Business Leverage® Visa Signature® Card

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Information about the U.S. Bank Business Leverage® Visa Signature® Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center, 2% back in the top two categories where you spend the most each month automatically, 1% cash per dollar spent on all other eligible purchases

  • Welcome bonus

    $750 in rewards when you spend $7,500 in eligible purchases on the account owners card within the first 120 days of opening your account.

  • Annual fee

    $95, waived the first year.

  • Intro APR

  • Regular APR

    21.24% – 26.24% (Variable)

  • Balance transfer fee

    An introductory fee of either 5% of the amount of each transfer or $5 minimum, whichever is greater for balances transferred with this application. After that, either 3% of the amount of each transfer or $5 minimum, whichever is greater.

  • Foreign transaction fee

  • Credit needed

See rates and fees, terms apply.

  • Large welcome bonus
  • Incredible range of potential bonus spending categories

  • Bonus cash back is limited to two categories
  • Has an annual fee

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Who’s this for? For small businesses with spending priorities that shift from month to month, the U.S. Bank Business Leverage® Visa Signature® Card is a great cash-back business credit card.

Standout benefits: You’ll earn 2% back from purchases in the two categories where you spend the most each month. There are 48 categories including advertising firms, hotels, restaurants, publishers and printers, insurance providers or computer stores. Cardholders also earn 5% back on prepaid hotels and rental cars reserved through the U.S. Bank Travel Rewards Center and 1% back on all other eligible purchases.

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U.S. Bank Business Platinum Card

  • Rewards

  • Welcome bonus

  • Annual fee

  • Intro APR

    0% Intro APR on purchases and balance transfers for the first 18 billing cycles

  • Regular APR

    17.24% – 26.24% (Variable)

  • Balance transfer fee

    Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

  • Foreign transaction fee

  • Credit needed

See rates and fees, terms apply.

  • No annual fee
  • Extended 0%-Intro APR period
  • Intro APR applies to purchases and balance transfers

  • No rewards
  • No welcome bonus

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Who’s this for? If you’re in the market for a no-annual-fee business card with a low interest rate and longer-than-usual 0% APR introductory offer, look no further than the U.S. Bank Business Platinum Card.

Standout benefits: New card members receive 18 billing cycles of an intro 0% interest for purchases and balance transfers (after that a variable 17.24% – 26.24% APR applies). This card’s intro APR offer provides an excellent opportunity for business owners to access low-cost financing. Keep in mind, that there is a balance transfer fee of 3% of the amount of each transfer ($5 minimum).

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Who’s this for? The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is a great choice for anyone with shopping on their mind, whether buying gifts for others or treating yourself to a little retail therapy.

Standout benefits: This card earns 6% cash back on the first $1,500 in combined purchases per quarter at your choice of two retailers including Target, Walmart, Macy’s, Amazon.com, Apple, Best Buy, Ikea and many more. You’ll also earn 3% cash back on the first $1,500 in eligible spending from one chosen everyday category, such as bills and utilities, wholesale clubs or gas and EV charging stations. 

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U.S. Bank Commercial Rewards Card

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Information about the U.S. Bank Commercial Rewards Card has been collected independently by CNBC Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    Companies can choose rebates or rewards as follows: Qualify for 1% cash back after spending $150,000 per quarter or earn 5X points on car rentals, 4X points on lodging, 3X points on airlines and 1X points on all other purchases

  • Welcome bonus

  • Annual fee

  • Intro APR

  • Regular APR

  • Balance transfer fee

  • Revenue requirements

    $10 to $150 million annually

  • Flexibility in what type of rewards you earn
  • No annual fees or interest

  • Quarterly spending requirement to qualify for rebates

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Who’s this for? Mid-sized corporations with $10 to $150 million in annual revenue can take advantage of the features available with the U.S. Bank Commercial Rewards Card.

Standout benefits: The rewards you earn with this card can be customized to suit your business needs. When you opt to earn rewards, you’ll receive:

  • 5X points on car rentals
  • 4X points on lodging
  • 3X points on airlines
  • 1X points on all other purchases

This account can also be set up to earn rebates. In that case, you’ll earn a 1% rebate when you have at least $150,000 in quarterly spending.

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The U.S. Bank Altitude® Go Visa Signature® Card is a good option to save on your streaming services, plus it has no annual fee.

Rewards

  • 4X points on dining, takeout, and restaurant delivery
  • 2X points on streaming services
  • 2X points at grocery stores (discount stores/supercenters and wholesale clubs excluded effective Sept. 9, 2024)
  • 2X points at gas stations and EV charging stations (discount stores/supercenters, grocery stores and wholesale clubs excluded effective Sept. 9, 2024)
  • 1X point on all other eligible purchases 

Welcome bonus

Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.

Annual fee

$0

Notable perks

The card comes with no annual fee, no foreign transaction fees and a 0% introductory APR for purchases and balance transfers for your first 12 billing cycles, then a variable 18.24% – 29.24% APR applies. There is a balance transfer fee of 3% of the amount of each transfer ($5 minimum).

You can earn an annual $15 credit for streaming services like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more. You’ll receive the $15 credit after making 11 consecutive monthly payments for an eligible service.

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The U.S. Bank Cash+® Visa Signature Card is a no annual fee card with a staggering amount of customization options for how you earn bonus rewards on purchases.

Rewards

  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center
  • 2% cash back on one everyday category, such as gas stations/EV charging stations, grocery stores or restaurants
  • 1% cash back on all other eligible purchases

Welcome bonus

Earn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

Annual fee

$0

Notable perks

New cardholders can take advantage of a 0% introductory APR on purchases and balance transfers for the first 15 billing cycles (after that, a 19.49% – 29.74% variable APR applies). The balance transfer fee is 3% of each transaction ($5 minimum).

The card has no annual fee, but there are foreign transaction fees of 3% when you use the card abroad. Nevertheless, it’s got potential if you choose your categories wisely, and there is an exceptionally large list of 5%-cash-back categories to choose from, including:

  • Cell phone providers
  • TV, internet and streaming services
  • Fast food
  • Department stores
  • Electronics stores
  • Home utilities
  • Certain clothing stores
  • Sporting goods stores
  • Movie theaters
  • Furniture stores
  • Gyms and fitness centers
  • Ground transportation

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The U.S. Bank Altitude® Connect Visa Signature Card has a lot of what you should look for in a travel credit card, including a hefty welcome bonus, meaningful benefits and solid reward rates.

Rewards

  • 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center
  • 4X points on travel, gas stations, and EV charging stations through September 8, 2024, after that 4X on your first $1,000 each quarter (wholesale clubs and discount stores/supercenters excluded)
  • 2X on dining, streaming services and at grocery stores (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024)
  • 1X points on all other eligible purchases

Welcome bonus

Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening.

Annual fee

$0 intro annual fee for the first year, $95 thereafter

Notable perks

In addition to having no foreign transaction fees, you’ll receive four free visits to Priority Pass airport lounges every year. You can also set yourself up to speed through airport security by taking advantage of this card’s application fee credit for Global Entry or TSA PreCheck (worth up to $100).

The travel perks don’t stop there, eligible purchases are also covered by trip cancellation/interruption insurance, trip delay reimbursement, travel accident coverage, roadside dispatch and travel and emergency assistance services. This card also helps you stay connected while traveling with a complimentary 5 GB/30-day GigSky global mobile plan for devices that are eSim compatible.

Cardholders also have access to a host of Visa Signature benefits such as Visa offers, special perks with the Visa Signature Luxury Hotel Collection and complimentary concierge services.

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The U.S. Bank Altitude® Reserve Visa Infinite® Card is a luxury credit card with an easy-to-use benefit that helps offset the annual fee.

Rewards

  • 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center
  • 3X points on eligible travel and mobile wallet spending on Apple Pay®, Google Pay™ and Samsung Pay
  • 1X points on all other eligible purchases

Welcome bonus

Earn 50,000 bonus points (worth $750 on travel) after spending $4,500 in your first 90 days of account opening.

Annual fee

$400

Notable perks

The benefit that cardholders need to pay attention to the most is this card’s up to $325 in annual credits toward eligible travel and dining purchases. With this one perk, you can effectively reduce your annual out-of-pocket cost to $75, and it’s easy to use because you’re automatically credited for the first $325 in dining and travel purchases you make.

Card members also receive eight free Priority Pass airport lounge visits per year and an application fee credit of up to $100 for Global Entry or TSA PreCheck. This card also has a long list of shopping and travel protections, including:

  • Roadside dispatch
  • Lost luggage reimbursement
  • Travel accident insurance
  • Rental car collision coverage (primary)
  • Trip delay reimbursement
  • Trip cancellation/interruption coverage
  • Purchase security
  • Return protection
  • Extended warranty protection

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The U.S. Bank Visa® Platinum Card doesn’t earn rewards but is a terrific option for anyone looking to save on credit card interest.

Rewards

None

Welcome bonus

None

Annual fee

$0

Notable perks

The value of this card is in what you don’t have to pay. On top of having no annual fee, new cardholders can avoid interest with an intro 0% interest for the first 18 billing cycles for purchases and balance transfers, after there is a variable 17.24% – 26.24% APR. The intro balance transfer fee is 3% of the amount of each transfer ($5 minimum) for transfers made within 60 days of account opening and it increases to 5% of each transfer ($5 minimum) after that.

The card also comes with cell phone protection, which will reimburse you up to $600 per claim in the event your phone is damaged or stolen, as long as you use the card to pay your monthly phone bill.

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The U.S. Bank Altitude® Go Secured Visa® Card is surprisingly rewarding for a secured credit card.

Rewards

  • 4X points per dollar spent on dining
  • 2X on streaming services
  • 2X points at grocery stores (discount stores/supercenters and wholesale clubs excluded effective Sept. 9, 2024)
  • 2X points at gas stations/EV charging stations (discount stores/supercenters, grocery stores and wholesale clubs excluded effective Sept. 9, 2024)
  • 1X points per dollar spent on all other eligible purchases

Welcome bonus

None

Annual fee

$0

Notable perks

While this no-annual-fee card does require you to make a refundable security deposit of $300 to $5,000, which will serve as your credit limit. U.S. Bank monitors your spending and bill-paying activity to ensure you’re paying your bills on time and in full, then reports that information to all three credit bureaus regularly to help build your credit score and history. As your credit improves, you may be given the option to upgrade to the unsecured U.S. Bank Altitude Go Visa Signature Card and have your security deposit returned.

Cardholders can receive a $15 streaming credit after making 11 consecutive monthly payments for an eligible streaming service.

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The U.S. Bank Cash+® Secured Visa® Card is a no annual fee secured card that can help you establish your credit score and earn cash rewards.

Rewards

  • 5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you choose
  • 2% cash back on eligible purchases in your choice of one everyday category (like gas stations and EV stations, grocery stores and restaurants)
  • 1% cash back on all other eligible purchases

Welcome bonus

None

Annual fee

$0

Notable perks

As with the U.S. Bank Altitude® Go Secured Visa® Card, you’ll need to make a refundable security deposit of $300 to $5,000, which is held in a secured savings account and acts as your credit limit. You’ll have the chance to earn it back once your credit improves and eventually may be given the option to upgrade to the U.S. Bank Cash+® Visa Signature® Card. Your spending and bill-paying activity is also monitored by U.S. Bank and reported regularly to the three credit bureaus so you can work on improving your credit score and history as you rack up cash-back rewards for all your everyday spending.

While you’re working on your credit, you’ll appreciate the number of categories you can choose to earn bonus rewards in, the 5%-cash-back categories are:

  • Fast food
  • TV, internet and streaming services
  • Cell phone providers
  • Home utilities
  • Department stores
  • Electronics stores
  • Sporting goods stores
  • Movie theaters
  • Select clothing stores
  • Furniture stores
  • Ground transportation
  • Gyms and fitness centers

Your 2%-cash-back category can be:

  • Restaurants
  • Gas and EV charging stations
  • Grocery shopping and grocery delivery

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The U.S. Bank Triple Cash Rewards Visa® Business Card has a variety of benefits that are great to find attached to a no-annual-fee business card.

Rewards

  • 5% back on prepaid hotels and rental cars booked through the U.S. Bank Travel Rewards Center
  • 3% cash back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers and restaurants
  • 1% cash back on all other purchases

Welcome bonus

Earn $500 cash back after spending $4,500 on purchases on the account owner’s card within the first 150 days of account opening.

Annual fee

$0

Notable perks

Cardholders can earn a $100 annual software subscription statement credit, and if you take advantage of this perk, you’re essentially getting paid to keep the card. To qualify, you need 11 consecutive months of eligible software service payments.

New cardholders also receive an intro 0% APR on both purchases and balance transfers for the first 15 billing cycles, after the intro-APR period expires a variable 19.24% – 28.24% APR applies. The balance transfer fee is 3% of each transfer with a $5 minimum.

One thing to keep in mind with this card is that authorized user purchases won’t count toward earning its welcome bonus.

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The U.S. Bank Business Leverage® Visa Signature® Card is incredibly flexible in the spending categories it earns additional cash back in.

Rewards

  • 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center
  • 2% cash back in the top two categories where you spend the most each month automatically
  • 1% cash back on all other eligible purchases

Welcome bonus

Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owner’s card within the first 120 days of opening your account.

Annual fee

$0 intro annual fee the first year, $95 thereafter

Notable perks

You’ll earn 2% back from purchases made in your top two categories where you tend to spend the most money, such as with advertising firms, hotels, restaurants, publishers and printers, insurance providers or computer stores, among 48 available categories. Cardholders also earn 5% back on prepaid hotels and rental cars reserved through the Rewards Center and 1% back on all other eligible purchases.

The card charges no foreign transaction fees and there’s no fee to add employee cards. If you add employee cards, it’s important to know that employee card spending won’t count toward qualifying for this card’s intro bonus. This card’s list of potential bonus categories is extraordinarily long and covers everything from airlines to veterinarians, you and view all of the categories here.

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The U.S. Bank Business Platinum Card has one of the best intro APR offers available for a small business credit card.

Rewards

None

Welcome bonus

None

Annual fee

$0

Notable perks

New cardholders receive a 0% introductory APR for 18 billing cycles on both purchases and balance transfers. Once the intro-APR period ends, the standard APR is a variable 17.24% to 26.24%. While this card lacks significant perks, the ability to finance business purchases can end up saving you more than what you might otherwise earn with a rewards business credit card.

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The U.S. Bank Shopper Cash Rewards™  Visa Signature® Card is a top choice to reach for when shopping at major retailers.

Rewards

  • 6% cash back on the first $1,500 worth of eligible purchases each quarter with two retailers of your choice
  • 5.5% cash back on prepaid hotel and rental car bookings made through the U.S. Bank Travel Rewards Center
  • 3% cash back on the first $1,500 worth of eligible purchases on your choice of one everyday spending category
  • 1.5% cash back for all other eligible purchases

Welcome bonus

Earn a $250 bonus after spending $2,000 within the first 120 days of account opening.

Annual fee

$0 intro annual fee for the first year, $95 thereafter

Notable perks

This card was made with shoppers in mind, giving you the ability to earn 6% cash back on the first $1,500 in combined purchases per quarter at your choice of two retailers including:

  • Ace Hardware
  • Apple
  • Amazon.com
  • Anthropologie
  • Bed, Bath, & Beyond
  • Best Buy
  • Chewy.com
  • Crate and Barrel
  • Disney
  • Home Depot
  • Ikea
  • Kohl’s
  • Lowe’s
  • Lululemon
  • Macy’s
  • Menards
  • Nordstrom
  • Pottery Barn
  • QVC
  • Restoration Hardware
  • Target
  • Walmart
  • Wayfair.com
  • Williams Sonoma

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The U.S. Bank Commercial Rewards Card is designed for mid-sized corporations and offers a range of customizable features.

Rewards

A company can choose how it earns rewards:

  • 1% rebate after spending at least $150,000 in quarterly spending

Or earn:

  • 5X points on car rentals
  • 4X points on lodging
  • 3X points on airlines
  • 1X points on all other purchases

Welcome bonus

None

Annual fee

$0

Notable perks

In addition to the customizable rewards, companies can also opt-in to reward employees for prudent spending, and employees can earn personal rewards when their travel costs fall below the average. These personal rewards can be redeemed for a variety of digital gift cards. Cards also have additional travel and purchase protections depending on the type of card (Visa or Mastercard). These coverages can include travel and emergency assistance, rental car coverage, purchase security and extended warranty protection.

Companies can also take advantage of features designed to simplify managing expenses and travel. It provides seamless integration with many popular accounting software programs and you can automatically track receipts for travel you book through the platform.

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Before signing up for a new credit card, check your credit score using a credit monitoring service such as Chase Credit Journey or CreditWise so you can see if everything’s correct and get a better idea of where you stand in terms of your realistic chances of being approved.

It’s also a good idea to run the numbers with your budget and ensure you’re able to meet any minimum-spending requirements responsibly — going into debt trying to earn rewards is not worth it. Also make sure you’ll be able to use enough of the new card’s perks and benefits to justify paying the annual fee, especially if it’s on the steep side.

Keep in mind that some card issuers might also take a closer look at exactly how many cards you already have. If you plan on applying for a Chase card in the near future, its strict 5/24 rule often disqualifies applicants who have already applied for five cards — any five cards — within the last 24 months. Even if you are denied, the issuer is required to tell you why and you can usually call and plead your case, though you may not be successful.

FAQs

What is the highest credit limit offered by U.S. Bank?

When you’re approved for a U.S. Bank credit card, your credit limit is based on a variety of personal factors, including your income and credit score. However, U.S. Bank doesn’t publish an official maximum credit limit.

What is the easiest U.S. Bank card to get?

How can I get pre-approved for a U.S. Bank credit card?

U.S. Bank doesn’t currently have an online pre-approval process but may send pre-approved offers to existing U.S. Bank customers.

There’s a U.S. Bank credit card for every kind of consumer, whether you’re trying to build credit with a secured credit card, want to take advantage of a 0% intro APR to pay off a larger expense or you’re a fan of racking up rewards points to use for future trips.

For those seeking cash-back rewards, U.S. Bank offers a range of cards, many of which let you earn more for the spending categories you’re using the most. Whichever card you go with, be sure to spend within your means, keep tabs on your credit score to identify any issues and use as many of its perks as possible, especially if there’s an annual fee.

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At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card productsWhile CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best credit cards.

To determine which U.S. Bank cards offer the best value for specific categories, CNBC Select compared each card on a range of features, including rewards (e.g., cash back, points and miles), annual fees, welcome bonuses, introductory and standard APR and balance transfer fees and foreign transaction fees. We also considered additional perks (e.g., ongoing travel or merchant statement credits), cardholder protections (e.g., purchase protection, $0 liability protection and travel insurance), the application process when available (e.g., is there a credit pull or required credit score) and how easy it is to redeem points (e.g., are rewards are tied to a specific brand or can you redeem for straight cash back).
 
We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.  

For the cards that offered a rewards program, we considered consumer spending data forecasts from location intelligence firm Esri to determine where U.S. consumers are spending the most money, like on dining and travel. We used this to help determine what bonus categories are most useful for consumers. Since the value of a point or mile varies based on what they can be redeemed for, we also considered things like transferability and the ability to redeem for cash-back. 

Catch up on Select’s in-depth coverage of personal financetech and toolswellness and more, and follow us on FacebookInstagram and Twitter to stay up to date.

Information about the U.S. Bank Business Leverage® Visa Signature® Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.





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