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Best U.S. Bank Credit Cards

Updated: Jun 21, 2024
Kenley Young
Written by
Assigning Editor
Caitlin Mims
Reviewed by
Content Management Specialist
Paul Soucy
Edited by
Fact Checked
Lead Assigning Editor
Fact Checked
Kenley Young
Written by
Assigning Editor
Caitlin Mims
Reviewed by
Content Management Specialist
Paul Soucy
Edited by
Fact Checked
Lead Assigning Editor
Fact Checked
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  • 250+ credit cards reviewed and rated by our team of experts

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  • 100+ categories of best credit card selections (See our top picks)

  • Objective comprehensive ratings rubrics (Methodology)

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NerdWallet's Best U.S. Bank Credit Cards

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Best U.S. Bank Credit Cards

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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.

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.

Our pick for

Cash back

Our pick for

Dining rewards

Our pick for

Luxury travel

Our pick for

Balance transfers & 0% intro APR

Our pick for

Big box shopping

Our pick for

Small business rewards

Our pick for

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: 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, and it comes with ongoing credits that can offset its annual fee: $0 intro for the first year, then $95Read 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 & 0% intro APR

A lengthy introductory APR period for both purchases and balance transfers has made the U.S. Bank Visa® Platinum Card a NerdWallet favorite. 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. Learn more and apply.

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.

*For U.S. Bank Visa® Platinum Card: 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.

Last updated on June 21, 2024

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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Kenley Young

Kenley is an assigning editor at NerdWallet covering credit cards. He has worked for Yahoo and FoxSports.com as an editor and producer. Read more
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