2017 RANKING & REVIEWS
TOP RANKING U.S. BANK CREDIT CARDS


Finding the Best U.S. Bank Credit Cards

U.S. Bank is the fifth-largest commercial bank in the United States. With that ranking comes a variety of personal, business, and corporate banking options that are offered to consumers across the country. Even if you are not a U.S. Bank member, or don’t live in one of the 25 states that contains U.S. Bank branches, you can still get a U.S. Bank card.

There are many good options for U.S. Bank credit cards. You can get a U.S. Bank rewards card, a travel card, and there is also a good option for a U.S. Bank cash rewards card. There are a variety of U.S. Bank credit card rewards out there to take advantage of.

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While U.S. Bank cash back credit cards and other U.S. Bank credit cards are all good options, it takes careful consideration to choose the best U.S. Bank card for you. A U.S. Bank cash rewards card might be a good option for you, but a general U.S. Bank rewards card may be a better option.

It is important to do a thorough U.S. Bank credit card review of the options to pick the best card out. To save you the hassle and frustration of poring over all the U.S. Bank credit card offers out there, we have compiled a list of the top six U.S. Bank credit cards.

See Also: Top Credit Cards to Rebuild Credit | Ranking & Reviews | Best Cards for Rebuilding Credit



AdvisoryHQ’s List of Top 6 U.S. Bank Cards

List is sorted alphabetically (click any of the credit card names below to go directly to the detailed review section for that credit card):


Top 6 U.S. Bank Credit Card Offers | Brief Comparison

Credit Card
Names

Annual Percentage Rate (APR)

Annual
Fee

Foreign
Transaction Fee

Type of
Card

U.S. Bank Business Edge™ Cash Rewards Card

12.24–18.24%

None

2–3%

Business

U.S. Bank Cash+™ Visa Signature® Card

13.24–23.24%

None

2–3%

Personal

U.S. Bank College Visa® Credit Card

12.24–21.24%

None

2–3%

Student

U.S. Bank FlexPerks® Travel Rewards Visa Signature®

14.24–24.24%

$49, waived the first year

None

Personal

U.S. Bank Platinum Visa Card®

10.24–19.24%

None

2–3%

Personal

U.S. Bank Secured Visa® Card

19.24%

$29

2–3%

Secured

Table: Top 6 U.S. Bank Credit Card | Above list is sorted alphabetically



Detailed Overview of What You Need in a U.S. Bank Card

When looking for the best U.S. Bank credit card, there are certain features to consider. Aside from deciding whether you want a U.S. Bank travel card, a U.S. Bank cash card, or some other type, you need to do a thorough U.S. Bank credit card review to look at other features.

us bank credit cards

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One thing to certainly consider are the U.S. Bank credit card rewards that are available. You can get a U.S. Bank cash card, or a more specific U.S. Bank travel card. A U.S. Bank cash rewards card is a good option as well, but others may be better.

The best U.S. Bank card will have some combination of the following offers:

  • No annual fee
  • Introductory APR offer
  • Low APR for purchases & balance transfers
  • U.S. Bank credit card rewards
  • No foreign transaction fees

Choosing the best U.S. Bank credit card should come after a U.S. Bank credit card review that analyzes the features above. While all the U.S. Bank credit cards that we have included on our list are great options, the best U.S. Bank credit card for you depends on your preferences. You can get a U.S. Bank business card, a U.S. Bank travel card, and even have the option of a few U.S. Bank cash back credit cards.



AdvisoryHQ’s Selection Methodology

What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top-rated lists?

Please click here “AdvisoryHQ’s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top-rated credit cards, financial accounts, firms, products, and services.


Detailed Review—Top Ranking U.S. Bank Card

Below, please find the detailed review of each card on our list of U.S. Bank credit cards. We have highlighted some of the factors that allowed these U.S. Bank credit card offers to score so high in our selection ranking.

Don’t Miss: Top Business Credit Cards | Best Small Business Credit Card Offers (Reviews)



U.S. Bank Business Edge™ Cash Rewards Card Review


The U.S. Bank Business Edge™ Cash Rewards Card is a U.S. Bank rewards card that is great for businesses. If you are looking for a U.S. Bank card for your business and have excellent credit, this is one to consider.

U.S. Bank Business Edge™ Cash Rewards Card - us bank card

Source: U.S. Bank

This U.S. Bank rewards card has no annual fee, as well as plenty of other features. There is a 9-month 0% introductory APR period, and after that you will see a variable APR between 12.24% and 18.24%.

Rewards

When it comes to rewards, this U.S. Bank card has many benefits. You will earn 3% cash back on gas, office supplies, and cellular purchases. You will also get 1% cash back on every other purchase, and there is no cap on your earning potential.

As an added incentive with this U.S. Bank rewards card, you will get a $150 bonus if you spend $500 in the first 90 days of opening your account. Plus, at the end of each year, if you renew your card, you will get a bonus reward of the lesser of $250 or 25% of your prior year’s reward earning.

Bottom Line

If you are looking for a credit card for your business, the U.S. Bank Business Edge™ Cash Rewards Card is certainly one to consider. With no annual fee, an introductory APR offer, and the ability to earn rewards in several different ways, this is one of the better U.S. Bank credit cards.

Related: Best 0 Interest Credit Cards | Top No-Interest, 0% Purchase, 0 Percent Credit Cards (Reviews)



U.S. Bank Cash+™ Visa Signature® Card Review


If you are looking for a U.S. Bank rewards card, the U.S. Bank Cash+™ Visa Signature® Card is one to look into.

This U.S. Bank card has no annual fee and a 0% introductory APR offer that lasts for 12 months on balance transfers. After the intro period, the APR for balance transfers will jump to the original APR for purchases, which is between 13.24% and 23.24%.

U.S. Bank Cash+™ Visa Signature® Card - us bank rewards card

Image source: U.S. News

Rewards

You will get 5% cash back on the first $2,000 you spend each quarter for any two categories that you choose. Aside from that, you get 2% cash back on an everyday category of your choice, such as groceries or gas, and 1% cash back on everything else.

Like other U.S. Bank credit cards, this one has no limit on the cash back that you can earn, and rewards don’t expire. This U.S. Bank rewards card also offers a $100 customer relationship bonus for any U.S. Bank customer.

Bottom Line

If you have excellent credit, this is a good option for a U.S. Bank rewards card. You can quickly earn cash back by choosing the categories that you generally spend the most in. It also has no annual fee, so you will already be ahead of the game once you start earning rewards.



U.S. Bank College Visa® Credit Card Review


The U.S. Bank College Visa® Credit Card is a U.S. Bank card that is available to students. You can apply with bad or limited credit, which makes it a great option for those heading to college. Though you won’t be able to earn rewards with this U.S. Bank card for students, it is still a good option if you have limited credit.

U.S. Bank College Visa® Credit Card

Image source: U.S. News

There is no annual fee associate with this card, but you also won’t get an introductory APR period. This U.S. Bank credit card has a variable APR between 12.24% and 21.24%, which is better than the APR rate of 19.24% that you will see with the U.S. Bank Secured Visa® Card.

Bottom Line

Heading to college can be the first time that many students step into the adult world of finance. With that step students may begin to look for their first credit card. The U.S. Bank College Visa® Credit Card is a good U.S. Bank card option for a first-time credit card holder. With no annual fee and the ability to apply with little to no credit, this is a great option for college students.

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U.S. Bank FlexPerks® Travel Rewards Visa Signature® Review


The U.S. Bank FlexPerks® Travel Rewards Visa Signature ® is a U.S. Bank travel card that has decent reward potential.

There is no annual fee for the first year, but after that it will raise to $49. This U.S. Bank travel card has a variable APR between 14.24% and 24.24%. One bonus is that this U.S. Bank credit card has no foreign transaction fee, so you can use it out of the country.

U.S. Bank FlexPerks® Travel Rewards Visa Signature® - us bank travel card

Image source: U.S. Bank

Travel Rewards

You will earn 1 FlexPoint for every $1 spent on purchases and double FlexPoints in the category that you spend the most on. With this U.S. Bank rewards card, for qualifying charitable donations, you will also earn 3 FlexPoints per dollar donated.

You can fly up to 150 different airlines with no online redemption fees or blackout dates. Redemption starts at just 5,000 FlexPoints, and if you spend $2,000 in the first four months, you will earn 20,000 bonus FlexPoints on this U.S. Bank travel card.

Bottom Line

If you are looking for a U.S. Bank travel card, the U.S. Bank FlexPerks® Travel Rewards Visa Signature® might be a good option. You can fly a variety of different carriers, which allows you to choose one you like, instead of being pigeonholed into a certain carrier.



U.S. Bank Platinum Visa Card® Review


The U.S. Bank Platinum Visa Card® is a good U.S. Bank credit card. Though this is not a U.S. Bank rewards card, there are many additional benefits that come with owning the U.S. Bank Platinum Visa Card®.

U.S. Bank Platinum Visa Card® - us bank credit card rewards

Image source: U.S. Bank

Right off the bat, you get the benefit of 0% APR on purchases and balance transfers for 12 months. After the introductory period, you will see a variable APR between 10.24% and 21.24%. There is no annual fee, but you will see a 3% balance transfer fee and a 2% to 3% foreign transaction fee.

You also have access to additional benefits, including:

  • Fraud protection
  • Zero fraud liability
  • Auto rental insurance
  • Online banking
  • Automatic bill pay
  • Flex control

Aside from that, you will also have convenient U.S. Bank Overdraft Protection and cash access at more than 1 million ATMs throughout the world.

Bottom Line

If you are looking for a U.S. Bank card with a lengthy introductory 0% APR offer, the U.S. Bank Platinum Visa Card® might be a good option for you. With no annual fee, a 12-month introductory APR period, and a lower variable APR after the intro period, this is a good card to own. With a litany of added benefits, this is one of the U.S. Bank credit cards that should stay on your shortlist.

Read More: Best 0 Balance Transfer Credit Cards | Ranking & Reviews | 0 APR Credit Card Balance Transfer Fee


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U.S. Bank Secured Visa® Card Review


The U.S. Bank Secured Visa® Card  is a good option for anyone who is working to build up or create their credit history. It is often difficult to get a credit card with poor credit, but a secured credit card from U.S. Bank might help you bridge the gap.

U.S. Bank Secured Visa® Card - us bank credit card offers

Image source: U.S. Bank

There is an annual fee of $29 that comes with this U.S. Bank card. There is also a set APR of 19.24%. The U.S. Bank credit card also comes with car rental insurance, fraud notification, and zero fraud liability.

Security Deposit

This is a secured U.S. Bank card, so you will need to put down a security deposit. For the U.S. Bank Secured Visa® Card, that amount must be at least $300. Your credit limit will be matched to your security deposit, and it will be returned to you if you are in good standing when you close your account.

Bottom Line

This is not a flashy U.S. Bank card, but if you are trying to build up credit, it is a good option. You cannot earn rewards, the 19.24% APR is on the high end, and there is an annual fee of $29, but you can qualify with poor or no credit.


Conclusion—Top 6 U.S. Bank Credit Cards

U.S. Bank cards are a great addition to your wallet. The credit card issuer offers several different types of credit cards, such as a U.S. Bank rewards card, a U.S. Bank travel card, and even U.S. Bank cash back credit cards, among others.  Each come with their own pros and cons, so it is important to determine what the best U.S. Bank credit card is for you.

While it can be time consuming to sort through all the U.S. Bank credit card offers to do a thorough U.S. Bank credit card review, it is important to find the best card for you. That is why we have done the research and analysis for you, to find which U.S. Bank credit cards are a good option for you:

  • Good for Business: U.S. Bank Business Edge™ Cash Rewards Card
  • Good for Cash Rewards: U.S. Bank Cash+™ Visa Signature® Card
  • Good for Students: U.S. Bank College Visa® Credit Card
  • Good for Travel: U.S. Bank FlexPerks® Travel Rewards Visa Signature
  • Good for Introductory APR: U.S. Bank Platinum Visa Card®
  • Good for No/Poor Credit: U.S. Bank Secured Visa® Card

While every U.S. Bank credit card that we reviewed could be a good option, you need to determine the best U.S. Bank credit card for you. A U.S. Bank cash card is good option, but there are several other options out there. Pick the U.S. Bank credit card that has the features that benefit you and meets your specific needs.



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Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

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