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The best U.S. Bank credit cards of 2019
In a Nutshell
We think it’s important for you to understand how we make money. It’s pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.
Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That’s why we provide features like your Approval Odds and savings estimates.
Of course, the offers on our platform don’t represent all financial products out there, but our goal is to show you as many great options as we can.
U.S. Bank has a variety of credit cards that compete with some of the best cards on the market, offering options for people interested in traveling, earning cash back, building credit and saving on interest.
Here’s a look at our picks for the best U.S. Bank credit cards.
Best for simple cash back: U.S. Bank Cash 365 TM American Express® Card
Here’s why: The U.S. Bank Cash 365™ American Express® Card offers unlimited 1.5% cash back on every qualifying purchase, all with no annual fee.
This card offers a straightforward, consistent cash back earning rate on all purchases, instead of offering higher rates in select categories.
You can choose to receive your cash back in a variety of ways, including as a deposit to your U.S. Bank checking or savings account, a statement credit on your monthly bill, or a prepaid Visa rewards card. What’s more, your cash rewards don’t expire as long as your account is in good standing.
If you want to look at more options, check out our picks for the best cash back cards with no annual fee.
Best for premium travel: U.S. Bank Altitude TM Reserve Visa Infinite® Card
Here’s why: The U.S. Bank Altitude™ Reserve Visa Infinite® Card offers frequent travelers plenty of value to match its considerable $400 annual fee.
Cardholders who spend $4,500 on purchases in the first 90 days after account opening earn 50,000 bonus points. This sign-up bonus is worth $750 in travel when redeemed through the U.S. Bank points system. You’ll also get a $325 travel credit each year. The value of the travel credit will help to offset the cost of the annual fee — if you take advantage of the full credit.
You’ll earn three points for every $1 you spend on travel and mobile wallet purchases like Apple Pay, plus one point for every $1 spent on all other purchases. You’ll also receive a membership to Priority Pass Select, which allows you to visit four participating airport lounges worldwide each year with a guest at no charge. And you’ll get a statement credit for the cost of a TSA PreCheck or Global Entry application every four years.
Best for occasional travel: U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card
Here’s why: The U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card offers two points per $1 spent on either airlines, groceries or gas purchases each month. You don’t have to pick the category — you’ll automatically get the bonus points in the category in which you spent the most.
This card, which waives the $49 annual fee for the first year, nets you two points per $1 spent on certain cellphone providers and qualifying charitable donations, plus one point per $1 spent on all other purchases. Your points can then be redeemed at a value of 1.5 cents per point for qualifying travel purchases. When you redeem points for an airline ticket, you could get a $25 airline credit for baggage fees or inflight expenses.
The card also offers 25,000 points when you spend $2,000 on eligible purchases in the first four months after account opening.
If you’re looking for more options, read our picks for the best travel credit cards.
Best for building credit: U.S. Bank Secured Visa® Card
Here’s why: The U.S. Bank Secured Visa® Card’s low $29 annual fee allows you to put down a deposit to establish your credit line and begin building or rebuilding your credit. If you’re approved for the card, your credit limit will be the same amount as your deposit.
This no-frills card offers few features and no rewards, but you’ll get your TransUnion credit score for free when you enroll your U.S. Bank account in online banking. And you can set up automatic payments, which can help you avoid late payment fees if you think you’d forget to pay on time.
Best for low interest: U.S. Bank Visa® Platinum Card
Here’s why: The U.S. Bank Visa® Platinum Card could be a good option for people looking to lower their interest payments with no annual fee.
For a limited time, the U.S. Bank Visa® Platinum Card offers an introductory 0% APR on purchases and balance transfers (made within 60 days of opening the account) for 20 billing cycles. After that, the APR on both increases to a variable 14.74%–25.74%. There’s a balance transfer fee of 3% of the amount transferred, or $5 minimum — whichever is greater. Since the 0% intro APR also applies to purchases, you can make a new purchase and pay it off over 20 billing cycles without getting charged interest. And the U.S. Bank Visa® Platinum Card has no annual fee.
Cardholders also get cellphone protection coverage when they pay their cellphone bills using the card. You’ll receive your TransUnion credit score and credit alerts for free when you enroll in online banking with U.S. Bank.
How we picked these cards
When selecting the best U.S. Bank credit cards, we chose categories with broad audiences, like people who want to cut down their interest payments or who want travel and cash back rewards.
We also tried to focus on ease of use and the simplicity of earning and redeeming rewards.
How to make the most of U.S. Bank cards
To maximize the value of these U.S. Bank cards, it’s worth understanding what your card does best.
If you have a card made for building credit or lowering your interest payments, it’s best to focus on that specific goal — don’t get sucked into spending more than you can afford.
If you have a rewards card, it’s best to look into the specifics of your rewards program to see how to earn and redeem points. U.S. Bank has several different systems for rewards, and the specifics of each can vary.
Having a bank account with U.S. Bank can also be helpful if your card offers access to online banking and credit monitoring features.
Photo by Frazer Harrison/Getty Images Entertainment/Getty Images Image:
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