Best U.S. Bank Credit Cards
ALSO SEE: Best credit cards of 2023 || 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 back
U.S. Bank Altitude® Go Visa Signature® Card: Best for Dining rewards
U.S. Bank Altitude® Connect Visa Signature® Card: Best for General travel
U.S. Bank Visa® Platinum Card: Best for Balance transfers or 0% period
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card: Best for Big box shopping
U.S. Bank Business Leverage® Visa Signature® Card: Best for Small business (rewards)
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 card | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Find the right credit card for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Cash back
Dining rewards
General travel
Balance transfers or 0% period
Big box shopping
Small business (rewards)
No annual fee small-business card
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 Shopper Cash Rewards™ Visa Signature® Card
Our pick for: Big box shopping
The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is tailor-made for consumers who spend a lot of money at retailers that don't fit into (or are specifically excluded from) the bonus categories offered by other credit cards. The card also offers a higher-than-usual rate on spending outside its bonus categories. The downside: There's an annual fee. 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 for 15 billing cycles on purchases and balance transfers, and then the ongoing APR of 19.24%-28.24% Variable APR — all with a $0 annual fee. Learn more and apply.
Last updated on November 22, 2023
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.
