Whether you're comparing balance transfer promotions or cashback categories, this article will walk you through the best U.S. Bank credit cards options.
Many are on the hunt for a credit card that can help you manage debt through balance transfers or one that rewards you with generous cashback offers.
U.S. Bank offers several solid choices.
Are U.S. Bank Credit Card Options Good?
Yes, U.S. Bank credit cards are considered reliable and competitive, especially for consumers looking to consolidate high-interest debt or earn cashback.
With low intro APR offers, zero annual fees on many cards, and customizable reward structures, these cards are popular among both new and seasoned cardholders.
Pros
- Competitive Rewards Programs: Several credit cards with attractive rewards.
- Low Introductory APR Offers: For those looking to manage existing debt or finance new purchases, there are cards with lengthy 0% introductory APR periods.
- Tools for Building Credit: Secured credit card options for individuals aiming to build or rebuild their credit
- Positive Customer Reviews: Customers have rated U.S. Bank credit cards favorably, with an average rating of 3.8 out of 5 stars, indicating general satisfaction with their offerings.
Considerations
- Limited International Presence: Some cards may have foreign transaction fees, making them less ideal for international use.
- Category Activation Requirements: Certain cards, like the Cash+® Visa Signature® Card, require quarterly activation of bonus categories to maximize rewards.
Best U.S. Bank Credit Cards Options for Balance Transfers
There are:
1. U.S. Bank Visa® Business Platinum Card
This is one of the best U.S. Bank credit cards for balance transfers, offering nearly two years of zero interest.
- Intro APR: 0% on balance transfers for 18 billing cycles
- Standard APR: 16.99% – 25.99% variable
- Balance Transfer Fee: 3% or $5 minimum
- Annual Fee: $0
It's ideal for paying down large balances without accruing additional charges.
2. U.S. Bank Shield™ Visa® Credit Card
With the longest balance transfer intro APR available among U.S. Bank cards, this card is designed for those who need extended time to pay off transferred debt.
- Intro APR: 0% on balance transfers for 24 billing cycles
- Standard APR: 17.74% – 28.74% variable
- Balance Transfer Fee: 5% or $5 minimum
- Annual Fee: $0
Compare U.S. Bank Credit Cards for Cashback
Considering how they work and what to consider before applying, you can assess:
1. U.S. Bank Cash+ Visa Signature Card
One of the best cashback cards from U.S. Bank, the Cash+ Visa Signature lets you customize rewards according to your spending habits.
- 5% cashback on two categories of your choice (up to $2,000 per quarter)
- 2% cashback on one everyday category (e.g., gas, groceries)
- 1% cashback on all other purchases
- Intro APR: 0% on purchases and balance transfers for 15 billing cycles
- Standard APR: 18.49% – 28.74%
- Annual Fee: $0
2. U.S. Bank Altitude® Go Visa Signature® Card
A favorite for food lovers, this card offers higher points for restaurant and grocery purchases, which can be redeemed for travel, merchandise, or statement credit.
- 4X points on dining, takeout, and delivery
- 2X points at grocery stores, gas stations, and streaming services
- 1X point on all other purchases
- Bonus: 20,000 points after $1,000 in purchases within 90 days
- Intro APR: 0% for 15 billing cycles
- Standard APR: 18.24% – 28.24%
- Annual Fee: $0
3. U.S. Bank Smartly Visa Signature Card
Simple, straightforward, and rewarding, this card is excellent for users who want flat-rate cashback without rotating categories.
- 2% cashback on all purchases (uncapped)
- Up to 4% cashback when linked with a U.S. Bank Smartly Checking or Savings account
- Intro APR: 0% for 12 billing cycles
- Standard APR: 18.49% – 28.74%
- Annual Fee: $0
4. State Farm U.S. Bank Credit Cards
U.S. Bank has partnered with State Farm to issue co-branded cards like the State Farm Premier Cash Rewards Visa Signature:
- 3% cashback on insurance premium payments (State Farm)
- 2% cashback at gas stations, restaurants, and grocery stores
- 1% cashback on all other purchases
- Annual Fee: $0
These cards are tailored for State Farm customers and offer enhanced rewards when used to pay State Farm bills.
How Many U.S. Bank Credit Cards Can You Have?
There is no strict public limit on how many U.S. Bank cards you can hold, but most customers typically have two to four U.S. Bank credit cards.
The bank evaluates each application based on creditworthiness, existing account history, and income.
U.S. Bank Credit Card Application Process
When applying for a U.S. Bank credit card, you'll need to provide:
- Personal Information: Full name, address, date of birth, and Social Security number.
- Financial Details: Monthly housing payment, annual income, and income source.
- Additional Information: Interest in balance transfers and any additional users you wish to add to the account.
Applications can be submitted online at usbank.com or in-branch.
U.S. Bank Credit Cards Customer Service
If you have questions about card benefits, transactions, or application status, reach out to U.S. Bank's customer service:
- Phone: 800-USBANKS (872-2657)
- Mailing Address: U.S. Bank, 800 Nicollet Mall, Minneapolis, MN 55402
- Mobile App: Available on iOS and Android for secure access and support
Summary: Choosing the Best U.S. Bank Credit Card
When you compare U.S. Bank credit card options, consider how much you plan to transfer or spend.
Whether you prefer flat-rate cashback or category-based rewards, choose the card that gives you the most benefits based on your spending.
Your current relationship with U.S. Bank or State Farm is a key factor in getting approvals.
Cards like the Visa Platinum excel in balance transfers, while the Cash+ and Altitude Go cards shine in cashback rewards.
Conclusion
U.S. Bank credit card options cater to different financial goals, whether it's consolidating debt through balance transfers or earning cashback.
By understanding the features and benefits of each card, you can select the one that best aligns with your financial needs and lifestyle.
Disclaimer: All credit card terms, including APRs, fees, and rewards, are subject to change. Always check the official U.S. Bank website for the most current information before applying. Credit approval is required and depends on your credit history and income. This article is for informational purposes only and does not constitute financial advice.
