Best U.S. Bank Credit Cards
Updated: Apr 30, 2025
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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.
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NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards.
Their work has appeared in The Associated Press, USA Today,
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and many other national, regional and local media outlets.
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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.
Why trust NerdWallet
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
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.
Why trust NerdWallet
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
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.
Why trust NerdWallet
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Why trust NerdWallet
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
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NerdWallet's Best U.S. Bank Credit Cards
U.S. Bank Shopper Cash Rewards® Visa Signature® Card: Best for Big box shopping
U.S. Bank Business Platinum Card: Best for Small business — 0% intro APR period
U.S. Bank Triple Cash Rewards Visa® Business Card: Best for No annual fee small-business card
U.S. Bank Smartly™ Visa Signature® Card: Best for Flat-rate cash back
U.S. Bank Shield™ Visa® Card: Best for 0% intro APR period + perks
Best U.S. Bank Credit Cards From Our Partners
| Credit card | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
 U.S. Bank Shield™ Visa® CardApply Now on U.S. Bank's website on U.S. Bank's website | Best for 0% intro APR period + perks | $0 | 4% | N/A | Apply Now on U.S. Bank's website on U.S. Bank's website |
 U.S. Bank Triple Cash Rewards Visa® Business CardApply Now on U.S. Bank's website on U.S. Bank's website | Best for No annual fee small-business card | $0 | 1%-3% | $750 | Apply Now on U.S. Bank's website on U.S. Bank's website |
 U.S. Bank Smartly™ Visa Signature® CardApply Now on U.S. Bank's website on U.S. Bank's website | Best for Flat-rate cash back | $0 | 2% | N/A | Apply Now on U.S. Bank's website on U.S. Bank's website |
 U.S. Bank Shopper Cash Rewards® Visa Signature® CardApply Now on U.S. Bank's website on U.S. Bank's website | Best for Big box shopping | $0 intro for the first year, then $95 | 1.5%-6% | $250 | Apply Now on U.S. Bank's website on U.S. Bank's website |
 U.S. Bank Business Platinum CardApply Now on U.S. Bank's website on U.S. Bank's website | Best for Small business — 0% intro APR period | $0 | N/A | N/A | Apply Now on U.S. Bank's website on U.S. Bank's website |
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.
Our pick for: 0% intro APR period + perks
Rewards breakdown
Card details
- 0% intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.74% - 28.74%.
- 4% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center when you use your card.
- Get a $20 annual statement credit for 11 consecutive months of purchases.
- No annual fee.
- Cell Phone Protection: Your eligible cell phone can be reimbursed up to $600 in the event it is stolen or damaged when you pay your monthly cell phone bill with your card.
- Terms and conditions apply.
- View Rates & Fees
NerdWallet's take
The U.S. Bank Shield™ Visa® Card is ideal for financing a large purchase or zapping existing debt, and it even comes with a few extra goodies.
The card offers a 0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 17.74%-28.74% Variable APR. You'll also earn 4% cash back on prepaid air, hotel and car reservations booked directly in U.S. Bank’s Rewards Center, as well as the chance at a modest annual statement credit each year if you meet spending requirements. Plus, the card offers cell phone insurance.
It's possible to find lengthier intro APR offers, even on U.S. Bank's own website. And if you're willing to accept a slightly shorter intro APR window, you can find cards with superior rewards.
Our pick for: No annual fee small-business card
Rewards breakdown
Card details
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
- View Rates & Fees
NerdWallet's take
The U.S. Bank Triple Cash Rewards Visa® Business Card 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.
High cash-back bonus rate
No cap on bonus rewards
Intro APR period on purchases
Reports to Dun & Bradstreet
New cardholder bonus offer
Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement
Our pick for: Flat-rate cash back
Rewards breakdown
Card details
- Earn unlimited 2% cash back on every purchase
- Up to additional 2% cash back on your first $10,000 in eligible Net Purchases each billing cycle when paired with U.S. Bank Smartly® Savings account plus qualifying balances in U.S. Bank Smartly® Checking and/or Safe Debit account.
- No Annual Fee
- 0% introductory APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 18.49%-28.74%.
- Get your cash back directly deposited into your U.S. Bank checking or savings accounts, as a statement credit, a rewards card, merchant gift cards and more.
- Terms and conditions apply.
- View Rates & Fees
NerdWallet's take
The $0-annual-fee U.S. Bank Smartly™ Visa Signature® Card is a best-in-class option if you have enough money in qualifying U.S. Bank accounts.
The card earns a base rewards rate of 2% on all purchases, which can jump to 2.5%, 3% and 4% back for holders who meet certain balance requirements. This makes it one of the best flat-rate cash back credit cards on the market. It also comes with a 0% intro APR offer.
To earn more than 2% back, you must have accounts open with U.S. Bank and have enough money saved with the institution. And to get the full value of your rewards, you have to redeem them as a deposit into an eligible U.S. Bank account. There's also no sign-up bonus.
Our pick for: Big box shopping
Rewards breakdown
Card details
- 6% Cash Back on your first $1,500 in combined eligible purchases each quarter at two retailers you choose.
- Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
- 3% Cash Back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category like gas stations & EV charging stations (excludes discount stores/supercenters and wholesale clubs), bills and home utilities.
- 1.5% Cash Back on all other eligible purchases.
- 5.5% Cash Back on prepaid car and hotel reservations booked directly in the Rewards Center.
- Terms and conditions apply.
- View Rates & Fees
NerdWallet's take
The U.S. Bank Shopper Cash Rewards® Visa Signature® Card is tailor-made for consumers who spend a lot at specific merchants that don't fit into (or are specifically excluded from) the highest-paying categories on other cards. There's an annual fee, but with a top cash back rate of 6%, it may be well worth it.
You earn 6% cash back on up to $1,500 a quarter in combined spending at two retailers you choose from a list. Among the 24 options are Amazon, Walmart, Target, Best Buy, major home improvement chains, department stores and more. You also earn 3% on up to $1,500 per quarter spent in an "everyday" category like gas, wholesale clubs or bills and utilities. All other purchases earn 1.5% — a major edge over other cards that pay only 1% on non-bonus-category spending.
The card charges an annual fee, although $31 a week in spending at your chosen retailers will return enough cash back to offset it. The rewards structure requires a bit of work: Not only is it on you to lock in your 6% and 3% options each quarter, but you must choose your 6% retailers before you do any spending. So it's important to plan ahead.
Our pick for: Small business — 0% intro APR period
Card details
- 0% Intro APR on purchases 18 billing cycles. After that, a variable APR currently 16.99% - 25.99%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
- View Rates & Fees
NerdWallet's take
The U.S. Bank Business Platinum Card has one primary benefit, but it's a rare one for small-business cards: a super-lengthy 0% intro APR period on purchases.
The card offers an intro 0% intro APR on Purchases for 18 billing cycles, and then the ongoing APR of 16.99%-25.99% Variable APR. You'll be hard-pressed to find anything close to that length on other small-business cards — or even among consumer cards, for that matter.
The card doesn't earn rewards, and because of its 3% foreign transaction fee, it's not ideal for use internationally. Also, should you opt to make use of the card's balance transfer terms, just be aware that you'll owe a 3% transfer fee.
ALSO SEE: Best credit cards of 2025 || Visa || Mastercard || American Express || Discover || Bank of America® || Capital One || Chase || Citi || US Bank || Wells Fargo
BEST U.S. BANK CREDIT CARDS
Before applying, verify details on the issuer's website:
U.S. Bank Cash+® Visa Signature® Card
Our pick for: Bonus 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 Shield™ Visa® Card
Our pick for: 0% intro APR period + perks
The $0-annual-fee U.S. Bank Shield™ Visa® Card is a solid get-out-of-debt credit card, thanks to its lengthy interest-free promotion: 0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 17.74%-28.74% Variable APR. It also offers modest rewards and cell phone insurance, which could make the card worth keeping around after you've paid off your balance. 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: Dining rewards
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, all for a $0 annual fee. Read our review.
U.S. Bank Smartly™ Visa Signature® Card
Our pick for: Flat-rate cash back
The $0-annual-fee U.S. Bank Smartly™ Visa Signature® Card offers an eye-popping cash-back rate of up to 4% on all purchases — if you meet eligibility requirements. To get that top rate, you'll need a significant sum of money in a qualifying U.S. Bank account. But there are no special requirements to earn the card's baseline rate of 2% back, which is still quite good. 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.
U.S. Bank Triple Cash Rewards Visa® Business Card
Our pick for: No annual fee small-business card
The U.S. Bank Triple Cash Rewards Visa® Business Card is a solid cash-back card for business owners. Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs). Earn 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center. Plus, the card offers a competitive welcome bonus and 0% intro APR on Purchases for 12 billing cycles, and then the ongoing APR of 17.99%-26.99% Variable APR — all with a $0 annual fee. Learn more and apply.
Last updated on April 30, 2025
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.
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