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Best U.S. Bank Credit Cards

NerdWalletAugust 10, 2020

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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.

NerdWallet's Best U.S. Bank Credit Cards

Best U.S. Bank Credit Cards From Our Partners

Our pick for

Dining rewards

on US Bank's website

Rates & Fees
Annual Fee


Regular APR

14.99% - 23.99%* Variable APR

Intro APR

0%* intro APR on Purchases and Balance Transfers for 12 billing cycles*

Recommended Credit Score

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.


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 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.


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.

  • Earn 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $250 value redeemable towards merchandise, gift cards, cash back, travel and more
  • Earn 4X points on takeout, food delivery and dining
  • Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
  • $15 credit for annual streaming service purchases such as Netflix and Spotify
  • No annual fee*
  • 1X point per $1 on all other eligible purchases
  • Low Introductory APR on purchases and balance transfers
  • Points never expire
  • View Rates and Fees

Our pick for


Annual Fee


Regular APR

16.24% Variable APR

Intro APR


Recommended Credit Score

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.


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.


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.

  • Earn an enrollment bonus of 50,000 points worth $750 on travel. Just spend $4,500 in the first 90 days of account opening.
  • Earn 3X points for every $1 on eligible net travel purchases and mobile wallet spending.
  • Get reimbursed for up to $325 in annual statement credits on eligible net travel purchases.
  • Stay connected with 12 complimentary Gogo® Inflight Wi-Fi passes per year.
  • TSA Pre√® or Global Entry - Up to $100 statement credit to reimburse your application fee once every four years
  • Airport Lounge Access - Complimentary 12-month Priority Pass™ Select membership to more than 1,200 VIP lounges worldwide.
  • View Rates and 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:

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.

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. 

Our pick for: 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.

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.

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.

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.

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 is worth a look for entrepreneurs seeking to finance a large purchase or pay down high-interest debt. Read our review.

Other cards issued by U.S. Bank

Last updated on July 9, 2020


NerdWallet's credit cards team selects the best 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 in multiple categories.