Best U S Bank Credit Cards of October 2022 - NerdWallet Advertiser disclosure
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NerdWallet Oct 3, 2022 Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money. ALSO SEE: Best credit cards of 2022 Visa Mastercard American Express Discover Bank of America Capital One Chase Citi US Bank Wells Fargo Minneapolis-based U.S. Bank is one of the country's largest banks and also one of the biggest issuers of credit cards. Although its branch locations are primarily in the West and Midwest, anyone can apply for a U.S. Bank credit card — and it has some good ones. ALSO SEE: Best credit cards of 2022 Visa Mastercard American Express Discover Bank of America Capital One Chase Citi US Bank Wells Fargo Minneapolis-based U.S. Bank is one of the country's largest banks and also one of the biggest issuers of credit cards. Although its branch locations are primarily in the West and Midwest, anyone can apply for a U.S. Bank credit card — and it has some good ones.Show summary NerdWallet's Best U S Bank Credit Cards
U S Bank Cash Visa Signature Card: Best for Cash backU S Bank Altitude Go Visa Signature Card: Best for Dining rewardsU S Bank Altitude Connect Visa Signature Card: Best for General travelU S Bank Altitude Reserve Visa Infinite Card: Best for Luxury travelU S Bank Visa Platinum Card: Best for Balance transfers or 0% periodU S Bank Business Leverage Visa Signature Card: Best for Small business (rewards)U S Bank Business Platinum Card: Best for Small business (0% intro APR period)U S Bank Business Triple Cash Rewards World Elite Mastercard: Best for No annual fee small-business card Best U S Bank Credit Cards
Credit cardNerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.Annual feeIntro APRRegular APRLearn more U S Bank Cash Visa Signature CardApply now on US Bank's website 4.3/5 Best for Cash back$00% intro APR for 15 billing cycles on purchases and balance transfers17.49%-27.49% Variable APRApply now on US Bank's websiteRates & Fees U S Bank Altitude Go Visa Signature CardApply now on US Bank's website 4.9/5 Best for Dining rewards$00% intro APR for 12 billing cycles on purchases and balance transfers17.99%-26.99% Variable APRApply now on US Bank's websiteRates & Fees U S Bank Altitude Connect Visa Signature CardApply now on US Bank's website 4.6/5 Best for General travel$0 intro for the first year, then $95N/A18.99%-26.99% Variable APRApply now on US Bank's websiteRates & Fees U S Bank Altitude Reserve Visa Infinite CardLearn more 4.7/5 Best for Luxury travel$400N/A19.99%-26.99%, Variable APRLearn more U S Bank Visa Platinum CardApply now on US Bank's website 4.5/5 Best for Balance transfers or 0% period$00% intro APR for 18 billing cycles on purchases and balance transfers17.49%-27.49% Variable APRApply now on US Bank's websiteRates & Fees U S Bank Business Triple Cash Rewards World Elite MastercardApply now on US Bank's website 4.7/5 Best for No annual fee small-business card$00% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles16.99%-25.99% Variable APRApply now on US Bank's websiteRates & Fees Our pick for Cash backApply nowon US Bank's websiteRates & Fees U S Bank Cash Visa Signature Card
4.3NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.Apply nowon US Bank's websiteRates & FeesAnnual fee $0Intro APR 0% intro APR for 15 billing cycles on purchases and balance transfersRegular APR 17.49%-27.49% Variable APRRecommended Credit Score690850good - excellentSee your approval oddsSee your approval odds A credit score in or above the recommended range means you have a higher chance of approval, but doesn’t guarantee it. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. Read more.Why We Like It Pros & Cons Product Details The U S Bank Cash Visa Signature Card has an annual fee of $0 and the most customizable cash-back structure of any card on the market. The U S Bank Cash Visa Signature Card has an annual fee of $0 and the most customizable cash-back structure of any card on the market. Pros You earn 5% cash back on the first $2,000 in combined spending each quarter in two categories that you choose from a list. Options have included things like department stores, fast-food restaurants, fitness clubs, wireless phone providers, electronics and more. You'll also get uncapped 2% cash back on an "everyday" category of your choice, such as gas stations or grocery stores, and 1% back on all other non-bonus-category spending. Other cards offer 5% cash back in categories that they choose for you; this one puts you in control — and the unlimited 2% cash back on an everyday category is a sweet extra. Cons This is a high-maintenance card. You have to log into your account each quarter to choose and activate your 5% and 2% categories, then keep track of what spending qualifies for which bonus. (For example: “Fast food” is a 5% category, but “restaurants” is a 2% category). If you're looking for cash-back redemptions of your rewards, as opposed to a statement credit, you'll have to have an account with U.S. Bank.Read full review New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening. 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 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 17.49% - 27.49% No Annual Fee Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay Plan. Terms and conditions apply.View Rates & Fees Our pick for Dining rewardsApply nowon US Bank's websiteRates & Fees U S Bank Altitude Go Visa Signature Card
4.9NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.Apply nowon US Bank's websiteRates & FeesAnnual fee $0Intro APR 0% intro APR for 12 billing cycles on purchases and balance transfersRegular APR 17.99%-26.99% Variable APRRecommended Credit Score720850excellentSee your approval oddsSee your approval odds A credit score in or above the recommended range means you have a higher chance of approval, but doesn’t guarantee it. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. Read more.Why We Like It Pros & Cons Product Details The U S Bank Altitude Go Visa Signature Card is a foodie's dream come true and possibly the most lucrative $0-annual-fee dining card on the market. That's before even considering its bonus rewards on groceries, gas and streaming, and its annual credit on popular services like Netflix, Spotify and more. The U S Bank Altitude Go Visa Signature Card is a foodie's dream come true and possibly the most lucrative $0-annual-fee dining card on the market. That's before even considering its bonus rewards on groceries, gas and streaming, and its annual credit on popular services like Netflix, Spotify and more. Pros You'll earn a whopping 4 points per $1 spent on dining, including takeout and delivery; 2 points per $1 spent at grocery stores (including grocery delivery), gas stations, EV charging stations and streaming services; and 1 point back on other eligible purchases. It also offers valuable incentives like a solid sign-up bonus, a 0% intro APR offer and a yearly $15 credit on qualifying streaming services. Cons Unlike some other dining cards, there are no bonus rewards for "entertainment" spending like movies, sporting events, live music, theme parks, etc. Also, you cannot pool this card's rewards with U.S. Bank's other Altitude product, the premium U S Bank Altitude Reserve Visa Infinite Card.Read full review Intro Offer: Earn 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. 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 1X point on all other eligible purchases. 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 17.99% - 26.99%. No Annual Fee Points never expire Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay Plan. Terms and conditions apply.View Rates & Fees Our pick for General travelApply nowon US Bank's websiteRates & Fees U S Bank Altitude Connect Visa Signature Card
4.6NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.Apply nowon US Bank's websiteRates & FeesAnnual fee $0 intro for the first year, then $95Intro APR N/ARegular APR 18.99%-26.99% Variable APRRecommended Credit Score720850excellentSee your approval oddsSee your approval odds A credit score in or above the recommended range means you have a higher chance of approval, but doesn’t guarantee it. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. Read more.Why We Like It Pros & Cons Product Details For travelers generally, and road warriors particularly, it's hard to do a lot better than the U S Bank Altitude Connect Visa Signature Card, especially given its midtier price point. The card is ideal for gas-guzzlers, and its generous bonus and ongoing credits can easily defray the cost of the annual fee. For travelers generally, and road warriors particularly, it's hard to do a lot better than the U S Bank Altitude Connect Visa Signature Card, especially given its midtier price point. The card is ideal for gas-guzzlers, and its generous bonus and ongoing credits can easily defray the cost of the annual fee. Pros You'll earn 4 points back on travel, at gas stations and EV charging stations, plus 5 points on prepaid hotels and car rentals booked through the Altitude Rewards Center and 2 points at grocery stores and on dining and eligible streaming services. (Other purchases earn 1 point back per $1 spent.) Those are generous rates for a card with an annual fee of $0 intro for the first year, then $95. Cons The card's bonus rewards on dining, streaming services and at grocery stores are good, but you can find cards with higher rates in those categories. Plus, take note: If you also have this card's higher-end sibling — the U S Bank Altitude Reserve Visa Infinite Card — you cannot pool points and redeem them at that card's higher rate for eligible travel via U.S. Bank.Read full review Intro Offer: 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, gift cards, cash back, merchandise and more. 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. 2X points on streaming services. Plus, a $30 credit for annual streaming purchases like Netflix, Hulu, Spotify, Apple Music, Disney+, HBO Max and more! 2X points at grocery stores, grocery delivery, and dining. Receive up to $100 in statement credits for reimbursement toward your TSA PreCheck or Global Entry application fee once every four years. 1X point on all other eligible purchases. Points never expire. Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay Plan. Terms and conditions apply.View Rates & Fees Our pick for Luxury travelLearn more U S Bank Altitude Reserve Visa Infinite Card
4.7NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.Learn moreAnnual fee$400Intro APR N/ARegular APR 19.99%-26.99%, Variable APRRecommended Credit Score720850excellentSee your approval oddsSee your approval odds A credit score in or above the recommended range means you have a higher chance of approval, but doesn’t guarantee it. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. Read more.Why We Like It Pros & Cons Product Details The U S Bank Altitude Reserve Visa Infinite Card is the issuer's premier travel credit card, earning rich rewards on travel and mobile wallet spending and boasting one of the most lucrative travel credits on the market, all of which helps offset its hefty $400 annual fee. The U S Bank Altitude Reserve Visa Infinite Card is the issuer's premier travel credit card, earning rich rewards on travel and mobile wallet spending and boasting one of the most lucrative travel credits on the market, all of which helps offset its hefty $400 annual fee. Pros You'll earn 5 points per $1 spent on prepaid hotels and car rentals booked directly in the Altitude Rewards Center; 3 points per $1 spent on eligible travel and mobile wallet spending; and 1 point per dollar spent on everything else. Those points are worth 1.5 cents when you redeem for travel through the U.S. Bank online portal. There's also an annual $325 travel credit, not to mention a massive sign-up bonus and a slew of travel perks befitting its price. Cons The annual fee is still steep, no doubt, and there's also a $75 fee for each additional card on the account. You must have an existing relationship with U.S. Bank to get this card. Read full review Earn 50,000 points worth $750 on travel. Just spend $4,500 in the first 90 days of account opening. Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. Earn 3X points for every $1 on eligible net travel purchases and mobile wallet spending. Get reimbursed up to $325 annually for eligible travel purchases and takeout, food delivery and dining purchases. Our pick for Balance transfers or 0% periodApply nowon US Bank's websiteRates & Fees U S Bank Visa Platinum Card
4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.Apply nowon US Bank's websiteRates & FeesAnnual fee $0Intro APR 0% intro APR for 18 billing cycles on purchases and balance transfersRegular APR 17.49%-27.49% Variable APRRecommended Credit Score690850good - excellentSee your approval oddsSee your approval odds A credit score in or above the recommended range means you have a higher chance of approval, but doesn’t guarantee it. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. Read more.Why We Like It Pros & Cons Product Details The U S Bank Visa Platinum Card comes with a lengthy interest-free period: 0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 17.49%-27.49% Variable APR. With an annual fee of $0 it won't cost you anything to keep the card after you've paid off the balance. The U S Bank Visa Platinum Card comes with a lengthy interest-free period: 0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 17.49%-27.49% Variable APR. With an annual fee of $0 it won't cost you anything to keep the card after you've paid off the balance. Pros With well over a year of interest-free breathing room, the card gives you time to pay down a big purchase or tackle a big balance. If you pay your cell phone bill every month with this card, you’ll get coverage for damage or theft up to $600, with a $25 deductible, for up to two claims for a total of $1,200 per 12-month period. Cons You won't earn any rewards on the card. And if you're transferring a balance, know that the card comes with a balance transfer fee of 3%.Read full review 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.49% - 27.49%. Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa Platinum Credit Card. Certain terms, conditions, and exclusions apply. Choose a payment due date that fits your schedule No Annual Fee Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay Plan. Terms and conditions apply.View Rates & Fees Our pick for No annual fee small-business cardApply nowon US Bank's websiteRates & Fees U S Bank Business Triple Cash Rewards World Elite Mastercard
4.7NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.Apply nowon US Bank's websiteRates & FeesAnnual fee $0Intro APR 0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing CyclesRegular APR 16.99%-25.99% Variable APRRecommended Credit Score690850good - excellentSee your approval oddsSee your approval odds A credit score in or above the recommended range means you have a higher chance of approval, but doesn’t guarantee it. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. Read more.Why We Like It Pros & Cons Product Details The U S Bank Business Triple Cash Rewards World Elite Mastercard offers a long intro APR period, strong rewards rate and competitive welcome bonus — all with a $0 annual fee. That's a valuable combination for small-business owners. The U S Bank Business Triple Cash Rewards World Elite Mastercard offers a long intro APR period, strong rewards rate and competitive welcome bonus — all with a $0 annual fee. That's a valuable combination for small-business owners. Pros Bonus cash back categories No annual fee Intro APR period on purchases and balance transfers Cons Requires good/excellent credit Low rate outside bonus categoriesRead full review Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account. Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard the card that gives back on all your eligible business needs. Earn 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. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center. No limit on total cash back earned. Rewards never expire. Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 16.99% - 25.99%. No annual fee. Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay Plan. Great Offer from U.S. Bank, a 2022 World's Most Ethical Company - Ethisphere Institute, February 2022 Terms and conditions applyView Rates & Fees Here are the top U.S. Bank credit cards. Click the card name to read our review. Before applying, verify details on the issuer's website: U S Bank Cash Visa Signature Card
Our pick for: Cash back If you don't mind putting some work into your rewards, check out the U S Bank Cash Visa Signature Card. It might be the most customizable cash back card available. You pick which categories earn the most cash back — you get two 5% categories and a 2% category — and you can change those options every quarter. There's a good bonus offer for new cardholders, too. Read our review. U S Bank Altitude Go Visa Signature Card
Our pick for: Foodies The U S Bank Altitude Go Visa Signature Card is perhaps the most cost-effective restaurant card on the market, earning a whopping 4 points per dollar on dining purchases including takeout and delivery. You can find higher rates on dining, but not on cards with no annual fee. Read our review. U S Bank Altitude Connect Visa Signature Card
Our pick for: General travel The U S Bank Altitude Connect Visa Signature Card is one of the most generous cards on the market if you're taking to the skies or the road, thanks to the quadruple points it earns on travel and purchases at gas stations and EV charging stations. It's also a solid card for everyday expenses like groceries, dining and streaming, and it comes with ongoing credits that can offset its annual fee: $0 intro for the first year, then $95. Read our review. U S Bank Altitude Reserve Visa Infinite Card
Our pick for: Luxury travel The U S Bank Altitude Reserve Visa Infinite Card is a premium travel credit card with a passel of fancy perks and benefits — and a massive annual fee of $400 to match. Fortunately, it also offers an annual $325 travel credit, one of the most generous in the industry. That, along with an eye-popping bonus, can help soften the blow. Read our review. U S Bank Visa Platinum Card
Our pick for: Balance transfers or 0% period A lengthy 0% introductory APR period for both purchases and balance transfers has made the U S Bank Visa Platinum Card a NerdWallet favorite. Read our review. Harley-Davidson Visa Secured Card
Our pick for: Poor credit or no credit No, you don't have to be a hardcore biker (or even a casual one) to benefit from the Harley-Davidson Visa Secured Card. It's a decent, no-annual-fee secured card for people looking to build or rebuild their credit. And if you are a biker, well, you can earn Harley-Davidson rewards, too. Read our review. U S Bank Business Leverage Visa Signature Card
Our pick for: Small business rewards If your business expenses are all over the place, the U S Bank Business Leverage Visa Signature Card might be just what you're looking for. This card earns double points in the two categories (from a list of 48) where you spend the most each month. There's a fantastic bonus offer for new cardholders, too, but also an annual fee. Read our review. U S Bank Business Platinum Card
Our pick for: 0% period for small business Introductory 0% APR offers on small-business credit cards aren't too common, and lengthy ones are even less so. The U S Bank Business Platinum Card is worth a look for entrepreneurs seeking to finance a large purchase or pay down high-interest debt. Read our review. U S Bank Business Triple Cash Rewards World Elite Mastercard
Our pick for: No annual fee small-business card The U S Bank Business Triple Cash Rewards World Elite Mastercard is a solid cash-back card for business owners. Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases. Plus, the card offers a competitive welcome bonus and 0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles, and then the ongoing APR of 16.99%-25.99% Variable APR — all with a $0 annual fee. Read our review. Other cards issued by U S Bank
U.S. Bank Cash 365 American Express Card Last updated on October 3, 2022 Methodology
NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards. About the author
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