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U.S. Bank Business Altitude™ Power World Elite Mastercard®
U.S. Bank Business Altitude™ Power World Elite Mastercard®
- 20.24% to 28.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.24% to 28.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The U.S. Bank Business Altitude™ Power World Elite Mastercard® is a business rewards card for that earns up to 2.5X points on eligible purchases with mobile wallets, with no foreign transaction fees and a $0 introductory annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 6X points on on hotels and car rentals booked in the U.S. Bank Rewards Center
- 2.5X points on up to $5,000 in mobile wallet purchases each quarter
- 2X points on all other purchases
- No foreign transaction fees
- Regular Purchase APR: 20.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
- Penalty APR: 32.49%
- Annual Fee: $195
- Late Payment Penalty Fee: $40
- Return Payment Penalty Fee: $40
- Over Limit Penalty Fee: $40
- Your company spends heavily on mobile wallet purchases
- You plan to issue multiple employee cards to maximize rewards
- You want to streamline your bonus categories
- You spend enough on to justify the annual fee
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rateq Cash Advance APR
At a Glance
The US Bank Shopper Cash Rewards™ Visa Signature® Card provides cardholders with the power of 24 store cards in one for a $95 annual fee. The card earns 6% cash back at two retailers of the cardholder’s choice, with brands including Apple, Kohl’s, Target, Amazon, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn up to 6% cash back at your favorite stores
- Earn 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category
- Earn 1.5% back on all eligible purchases
- No annual fee for the first year; $95 after that
- Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rateq
- Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
- Annual Fee: $0 for the first year; $95 thereafter
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You spend heavily with several retail brands
- You don’t want multiple store cards to keep track of
- You can justify the card’s $95 annual fee and get plenty of value out of it
U.S. Bank Cash+® Visa Signature® Card
U.S. Bank Cash+® Visa Signature® Card
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening Intro Purchase APR
At a Glance
The U.S. Bank Cash + Visa Signature Card is an excellent cash back credit card that gives holders the power to decide how they earn their cash back. The card earns 5% back on two select categories you choose, 2% back on one “everyday” category a user selects, and 1% back on all other purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center
- 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
- 1% cash back on all other eligible purchases
- No Annual Fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan
- Terms and conditions apply
- Intro Purchase APR: 0% for 15 months from account opening
- Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You want the ability to choose your enhanced cash back categories
- You like the freedom of switching categories each quarter
- You don’t want to pay an annual fee
U.S. Bank FlexPerks® Gold American Express® Card
U.S. Bank FlexPerks® Gold American Express® Card
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The U.S. Bank FlexPerks Gold American Express Card is a reliable – and powerful – travel rewards credit card from U.S. Bank. The card earns 3x points on restaurant purchases, 2x points with gas station and airline purchases, and 1x points on all other purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5X FlexPoints on prepaid hotels and rental cars
- 3X FlexPoints at restaurants, 2X FlexPoints at gas stations, 2X FlexPoints at airlines, and 1X FlexPoints per $1 spent on all other eligible Net Purchases
- Enjoy an automatic statement credit reimbursement for TSA Precheck® or Global Entry
- Complimentary Boingo Wi-Fi at over 1 million hotspots worldwide
- Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Annual Fee: $85
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You travel often, especially on flights
- You dine out – or while traveling – and plan to use your card to cover these purchases
- You want a travel card with no foreign transaction fees
- You dislike waiting in security lines at the airport and want a statement credit for TSA Precheck
U.S. Bank Visa® Platinum Card
U.S. Bank Visa® Platinum Card
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 21 months from account opening date Intro Purchase APR
At a Glance
The U.S. Bank Visa Platinum Card is designed to compete directly with BT heavyweights like the Chase Slate Edge and the Citi Simplicity® Card. The card comes with an array of 0% APR offers and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get a 0% introductory APR on purchases and balance transfers for 21 billing cycles
- Receive coverage when pay your monthly cellular bill with your U.S. Bank Visa® Platinum Card
- Detects and notifies you of any unusual card activity to help prevent fraud
- Get your TransUnion® Credit Score at no cost
- Intro Purchase APR: 0% for 21 months from account opening date
- Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 21 months on balances transferred within 60 days from account opening
- Balance Transfer APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You want an excellent 0% intro APR for 21 months to get a hold of your personal finances
- You don’t want to pay an annual fee
- You don’t mind a card that isn’t a rewards credit card
- You’re planning on making a significant purchase and want to pay off the balance over time
- You want to pay off existing credit card debt without interest
You’ve viewed 5 of 53 credit cards
U.S. Bank Credit Cards
U.S. Bank is a leading bank and credit card issuer, with over 15 million cardholders to date. The bank is currently the 12th largest issuer of credit cards in the country, offering products to those with credit scores ranging from excellent to bad/ no credit history. This wide-selection of cards makes U.S. Bank an ideal option for consumers who want valuable rewards, competitive interest rates, and no annual fee.
Benefits of U.S. Bank Credit Cards
All U.S. Bank cards come with the following benefits and protections:
| ① Customer service | Like Discover, Chase, Amex, and other major issuers, U.S. Bank provides 24/7, U.S.-based customer service for all of its credit cardholders |
| ② EMV chip | While the bank states that “select cards” feature chip technology, in reality, all new U.S. Bank credit card products come with EMV chip technology. This technology provides an additional layer of security for point-of-sale purchases. |
| ③ Free TransUnion credit score access | All cardholders receive complimentary access to their TransUnion credit score each month. |
| ④ FlexControl™ | U.S. Bank also provides free card management tools via its FlexControl™ budgeting tools. These resources include automatic payment tools, account alerts, and more. |
| ⑤ No penalty APR | U.S. Bank cards don’t feature a penalty APR – a great feature that doesn’t penalize cardholders who miss payments. |
Because U.S. Bank issues credit cards that are Mastercard, Visa, and American Express products, the precise cardholder protections will vary. Typically, however, cardholders can expect:
| Zero Liability Protection | Mastercard Global Services | ID Theft Protection |
Travel Rewards Credit Cards
U.S. Bank offers a variety of travel rewards credit cards – branded with leading airlines and hotels, as well as with the U.S. Bank name.
The pinnacle of the U.S. Bank travel cards is the U.S. Bank Altitude™ Reserve Visa Infinite® Card. The Card offers triple points on travel and mobile wallet purchases, lounge access, statement credits, and more.
Beyond U.S. Bank-branded travel cards, the bank also offers co-branded cards from leading airlines and hotels. These include cards with:
- Aeromexico (former)
- Korean Air
- LATAM
- Radisson
Other Co-Branded Credit Cards
U.S. Bank also issues a variety of credit cards through different partners. The bank’s most significant partnership is with Kroger.
The bank issues retail rewards credit cards for all the grocery stores and gas stations that make up the Kroger Family of Brands. These cards offer rewards on every purchase, with additional bonuses on Kroger’s own-brand purchases. Rewards apply to free groceries or fuel savings (where applicable).
U.S. Bank FlexPerks
Formerly, U.S. Bank had a variety of FlexPerks credit cards. While this has been reduced to just one, the U.S. Bank FlexPerks® Gold American Express® Card, FlexPerks is still a valuable commodity. FlexPerks have a value of approximately 1.5 cents per point and are redeemable for travel, merchandise, gift cards, statement credits, and more.
How to Get the Most Out of Your Rewards Credit Card
Rewards credit cards offer exceptional value for money – if you use them correctly. Because reward points act as savings on every purchase, cardholders must pay their statement balance in full each month.
Failing to pay the balance in full each month incurs interest, which in turn requires paying back more than just the initial cost of the purchase. These interest payments reduce the value from points earned, meaning rewards cards can lose value very quickly. Because of this, paying the balance is crucial to maximizing the value of any rewards credit card.
What to Look for in a U.S. Bank Credit Card
When considering a U.S. Bank card, make sure to pay close attention to the following:
- Foreign Transaction Fees: Foreign transaction fees are an additional charge many issuers apply to purchases made outside the United States. These fees apply not only to purchases made outside the U.S. but also to purchases made online with foreign companies. While some U.S. Bank cards charge no foreign transaction fees, most do feature a cost of around 2% to 3%.
- Annual Fees: Many U.S Bank credit card offers feature no annual fee. Some cards, like the Altitude Reserve Visa Infinite, for example, charge substantial fees each year.
- Rewards: U.S. Bank has rewards cards for every want and need. These include airline cards, hotel cards, retail credit cards, and gas rewards cards.
- APR and Introductory APR: Many U.S. Bank cards, such as the S. Bank Visa® Platinum Card, offer 0% intro APR plus a low-interest rate after that. Pay close attention to the APR and any special offers available. As a rule, the better your credit score, the lower the APR.
Browse the Best U.S. Bank Credit Cards
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Browse our reviews, learn using our insightful news and advice resources, and compare offers using our card comparison tool.
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.