BEST OF

Best U.S. Bank Credit Cards

NerdWalletAug 3, 2021

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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

U.S. Bank Altitude® Go Visa Signature® Card
Apply now

on US Bank's website

U.S. Bank Altitude® Go Visa Signature® Card

4.9

NerdWallet rating 
Apply now

on US Bank's website

Annual fee

$0*

Intro APR

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

Regular APR

14.99% - 23.99%* Variable APR

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.

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 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
  • 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

  • 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 & Fees

Our pick for

General travel

U.S. Bank Altitude® Connect Visa Signature® Card
Apply now

on US Bank's website

U.S. Bank Altitude® Connect Visa Signature® Card

4.8

NerdWallet rating 
Apply now

on US Bank's website

Annual fee

$0 intro for the first year, then $95

Intro APR

N/A

Regular APR

15.99% - 23.99%* Variable APR

Recommended Credit Score

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 quadruple points back on travel and at gas stations, plus double 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
  • Earn 50,000 bonus points when you spend $3,000 in eligible purchases within the first 120 days of account opening. That's a $500 value redeemable towards merchandise, gift cards, cash back, travel and more.

  • Earn 4X points on travel and at gas stations.

  • Earn 2X points at grocery stores, grocery delivery, dining and streaming services.

  • $30 credit for annual streaming service purchases such as Netflix and Spotify®.

  • 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.

  • View Rates & Fees

Our pick for

Luxury travel

U.S. Bank Altitude™ Reserve Visa Infinite® Card

U.S. Bank Altitude™ Reserve Visa Infinite® Card

4.5

NerdWallet rating 
Annual fee

$400

Intro APR

N/A

Regular APR

16.99% - 23.99 Variable 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.

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 an enrollment bonus of 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% period

US Bank Visa Platinum Credit Card
Apply now

on US Bank's website

U.S. Bank Visa® Platinum Card

5.0

NerdWallet rating 
Apply now

on US Bank's website

Annual fee

$0*

Intro APR

0%* intro APR for 20 billing cycles on purchases and balance transfers*

Regular APR

14.49% - 24.49%* Variable APR

Recommended Credit Score

The U.S. Bank Visa® Platinum Card comes with a lengthy interest-free period: 0%* intro APR for 20 billing cycles on purchases and balance transfers*, and then the ongoing APR of 14.49% - 24.49%* 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 20 billing cycles. After that, a variable APR currently 14.49% - 24.49%.

  • Great offer from U.S. Bank, a 2021 World's Most Ethical Company® - Ethisphere Institute, February 2021.

  • No Annual Fee*

  • Flexibility to choose a payment due date that fits your schedule.

  • 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.

  • View Rates & Fees

Our pick for

No annual fee small-business card

U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard
Apply now

on US Bank's website

Annual fee

$0

Intro APR

0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles

Regular APR

13.99% - 22.99% Variable APR

Recommended Credit Score

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

    Read full review
    • Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.

    • 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.

    • Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants.

    • 1% cash back on all other eligible net purchases.

    • 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 purchase and balance transfers for 15 billing cycles. After that, a variable APR currently 13.99% - 22.99%.

    • No annual fee.

    • Great Offer from U.S. Bank, a 2021 World's Most Ethical Company® - Ethisphere Institute, February 2021

    • View 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:

    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: 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 at gas 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.

    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.

    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.

    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 13.99% - 22.99% Variable APR — all with a $0 annual fee. Read our review.

    Other cards issued by U.S. Bank

    Last updated on August 3, 2021

    Methodology

    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.