Best US Bank Credit Cards for August 2022
If you’re looking for a U.S. Bank credit card, you have multiple options to choose from, ranging from one of the best cash-back cards, to travel rewards cards, and cards that are best for bad or no credit consumers.
Before applying for a U.S. Bank card, it’s important to understand the features of each, including fees, rates and available perks, benefits and rewards. Take a glance at the chart to compare features, bonuses and interest rates for each U.S. Bank credit card. Then, keep reading to find out which one is the best credit card for you.
| US Bank Card | APR | Welcome Offer | Annual Fee |
|---|---|---|---|
| Altitude Go Visa Signature Card | 0% intro APR for the first 12 months, then | 20,000 points, worth $200, after spending $1,000 in the first 90 days | $0 |
| Altitude Reserve Visa Infinite Card | 19.24% – $26.24% variable | 50,000 points, worth $750 in travel, after spending $4,500 in the first 90 days | $400 |
| FlexPerks Gold American Express® Card | 30,000 points, worth $450 in travel, after spending $2,000 in the first four months | $85 | |
| Cash+ Visa Signature Card | 0% intro APR for the first 15 billing cycles; then 16.74% – 26.74% variable | $200 after spending $1,000 in the first 120 days | $0 |
| Altitude Go Secured Visa Card | $300 – $5,000 security deposit required | None | $0 |
| Visa Platinum Card | 0% intro APR for the first 20 months, then | None | $0 |
| Altitude Connect Visa Signature Card | 18.24% to 26.24% variable | 50,000 points, worth $500, after spending $2,000 in the first 120 days | $0 the first year; $95 after that |
Best For Everyday Spending: U.S. Bank Altitude Go Visa Signature Card
Why We Like It: With no annual fee and 0% APR for the first 12 billing cycles on purchases and balance transfers, then APR, the U.S. Bank Altitude Go Visa is a great rewards card to carry for everyday purchases. Plus, spend $1,000 in the first 90 days you hold the card, and you’ll get 20,000 bonus points, worth $200.
U.S. Bank’s ExtendPay Plan lets you space out large purchases over equal payments for a small fee with zero interest — and still earn rewards on those purchases.
Just take a look at these rewards:
- 4x points on dining, takeout and restaurant delivery
- 2x points at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations
- 1x points on all other purchases
You’ll also get a $15 annual credit for streaming services. The Altitude Go Visa is a Signature Visa card, which means you’ll enjoy all the benefits of this premium card, including concierge service, fraud protection, purchase protection, access to special cardholder events and more.
Who It’s Best For: Anyone looking for a great, all-around rewards credit card with no annual fee, flexible options to pay over time without interest and no foreign transaction fees.
Best Travel Rewards Card: US Bank Altitude Reserve Visa Infinite Card
Why We Like It: Available only for U.S. Bank customers, the U.S. Bank Altitude Reserve Visa Infinite card earns high marks for generous rewards — plus a welcome offer worth $750. Spend $4,500 in the first 90 days of opening your account to snag the welcome offer, which can be redeemed to pay for travel expenses.
This card may come with a $400 annual fee, but you’ll easily earn that back when you collect:
- 5x points on prepaid hotels and car rentals
- 3x points on travel purchases and mobile wallet spending
- $325 in annual credits on travel purchases plus dining, takeout and restaurant delivery
- $100 credit for TSA PreCheck or Global Entry every four years
Tons of travel perks set this card apart, including access to the Visa Infinite Concierge, no foreign transaction fees and access to top airport lounges across the world.
Who It’s Best For: The U.S. Bank Altitude Reserve Visa Infinite card is best for big spenders who embrace luxury travel experiences. You’ll want to make sure you travel enough to justify the $400 annual fee. But if you want a card with prestige plus stellar rewards, this custom-engraved metal card could make the perfect addition to your wallet.
Best for Dining Out: US Bank FlexPerks Gold American Express Card
Why We Like It: Many U.S. Bank cards come with generous rewards for dining out. But we like the U.S. Bank FlexPerks® Gold American Express® card for its generous dining rewards plus other perks and benefits.
Travel and dining out often go hand-in-hand, and this card delivers exemplary rewards in both areas. Take a look at what you can earn with just an $85 annual fee:
- 5X FlexPoints on prepaid hotels and car rentals booked directly in the FlexPerks Rewards Center
- 3X FlexPoints on dining, takeout and restaurant delivery
- 2X FlexPoints at airlines, gas stations and EV charging stations
- 1X FlexPoint on all other eligible purchases
Plus, take advantage of 30,000 bonus points, worth $450 on travel purchases, when you spend $2,000 within the first four months. With no foreign transaction fees, U.S. Bank’s ExtendPay Plan to make it easier to budget for large purchases. With tons of travel perks, including reimbursement for either TSA PreCheck or Global Entry, this is a great card for any traveler.
Who It’s Best For: If you’re looking for a great travel and dining card, but don’t spend enough to justify a $400 annual fee, this FlexPerks Gold American Express® card fits the bill.
Best Cash Back Card: US Bank Cash+ Visa Signature Card
Why We Like It: U.S. Bank has only one cash-back rewards card, but it’s a good one. The U.S. Bank Cash+ Visa Signature Card delivers all the benefits of a Visa Signature card, with no annual fee and a generous 5% cash back in two categories of your choosing, up to the first $2,000 you spend quarterly.
You can also choose an additional everyday spending category to earn 2% cash back. The rest of your eligible purchases earn 1%. Plus, enjoy a 0% APR on purchases and balance transfers for the first 15 months, then 16.74% – 26.74% variable APR.
Earn a $200 cash back bonus after you spend $1,000 in purchases within the first 120 days of opening your card.
Who It’s Best For: If you’re looking for a flexible, customizable cash-back rewards card, the U.S. Bank Cash+ Visa Signature card is worth a look.
Best for Bad or No Credit: US Bank Altitude Go Secured Visa Card
Why We Like It: It’s not easy to find a secured rewards credit card, much less one with no annual fee. The U.S. Bank Altitude Go Secured Visa checks all these boxes and more. It provides many of the same rewards and benefits as the Altitude Go Visa Signature card, albeit without the Signature status and perks.
As long as you have $300 to $5,000 to deposit, you can snag this secured Visa and enjoy rewards that include:
- 4x points on dining, takeout and restaurant delivery
- 2x points at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations
- 1x point on all other eligible purchases
Like the regular Altitude Go Visa, you also get $15 per year back on streaming service purchases.
Who It’s Best For: This card is best for those with at least $300 to keep in a secured account and who want to build their credit while earning rewards points with a credit card.
Best for Balance Transfers: US Bank Visa Platinum Card
Why We Like It: If you’re looking to make a large purchase or want to transfer balances from higher interest credit cards to a card with 0% interest while you pay down your debt, the U.S. Bank Visa Platinum Card has one of the longest introductory periods available.
Enjoy a 0% APR on purchases and balance transfers for 20 billing cycles, then APR. Keep in mind, there are balance transfer fees of 3% or $5, whichever is greater. So you’ll want to see if the savings are worth it.
Fortunately, U.S. Bank makes it easy to see how much you’ll save with an on-site balance transfer calculator.
This card also includes a few additional benefits that may entice people to keep using this card even after the introductory period has ended, including:
- $1,200 in cell phone protection
- Identity protection services
- Pick a due date and set up autopay to stay on track with your bills and build your credit
Who It’s Best For: If you recently had to make a large, unexpected purchase such as a pricey home appliance and put it on a high-interest credit card, the U.S. Bank Visa Platinum could help you pay down debt faster. Anyone with high-interest credit card debt or who is planning to make a big purchase on a credit card can benefit from the terms on this Platinum Visa.
Best Bonus Offer: US Bank Altitude Connect Visa Signature Card
Why We Like It: Just like the FlexPerks Gold American Express® card, the U.S. Bank Altitude Connect Visa Signature card could have just as easily taken the title of best U.S. Bank rewards card for travel.
But the welcome offer worth $500 stands out even more. Spend $2,000 in the first 120 days and earn 50,000 bonus points, which you can cash in for $500 or redeem for merchandise, gift cards or travel. Plus, there’s no annual fee for the first year, which makes this offer even more enticing.
Keep in mind, you’ll pay $95 annually after that, which you should easily earn back in perks and rewards, which include:
- 5x points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center
- 4x points on travel, gas stations and EV charging stations
- 2x points at grocery stores, grocery delivery, dining and streaming services
- 1x point on all other eligible purchases
- $30 credit for annual streaming service purchases
Who It’s Best For: If you are looking for a robust and flexible rewards card, take a look at the U.S. Bank Altitude Connect Visa Signature card.
Final Take
U.S. Bank has many high-quality rewards credit cards with additional benefits. You’ll want to apply online, since many of the bonus offers require an online application to qualify.
Keep in mind, the APRs on most of these cards begin at 16.74% or higher. Make a plan to pay off your outstanding balance when your bill is due each month, or the rewards you earn will be eaten away in finance charges.
Whether you’re looking to build credit or earn cash back or travel rewards, U.S. Bank has more than one option for you to choose.
FAQ
- Is U.S. Bank credit card easy to get?
- How hard a U.S. Bank credit card is to get depends on the card. The Altitude Go Secured Visa, for example, is relatively easy to be approved for because it simply requires a security deposit of at least $300. The more exclusive Altitude Reserve Visa Infinite card – while it doesn't have a required credit score listed – is harder to qualify for.
- What is the minimum credit limit for U.S. Bank credit card?
- U.S. Bank does not list a minimum credit limit, but the Altitude Go Secured Visa card's credit limit could be as low as $300, if you choose to put down the minimum security deposit. Credit limits for unsecured cards will depend on the credit score of the cardholder.
Gabrielle Olya contributed to the reporting for this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Aug. 10, 2022.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
All information about the U.S. Bank FlexPerks Gold American Express® card has been collected independently by GOBankingRates. The U.S. Bank FlexPerks Gold American Express® card is not available through GOBankingRates.
