U.S. Bank Credit Card Offers: Applications & Reviews

By Christina Majaski. Last updated 28 June 2017. 0 comments

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U.S. Bank is a popular financial institution with bank branches in 25 states throughout the country, providing products ranging from checking and savings accounts to personal loans and mortgages. U.S. Bank also provides its customers with a long list of credit card opportunities ranging from low-interest options to travel rewards and cash back cards. Most of these cards also come equipped with extra card benefits and perks that the bank is known for providing its customers.

Further, U.S. Bank’s collection includes a wide range of secured credit cards to assist customers who are building credit or rebuilding their credit scores. If you are a U.S. Bank customer or plan to become one in the future, there’s a good chance that you will find a credit card that perfectly suits your needs.

How to Apply for U.S. Bank Credit Cards

You can apply for U.S. Bank credit cards quickly and easily online through their online application process, or you can apply in one of the bank branches in your area. If you prefer, you can also fill out an application and mail it in, or call and speak with a representative over the phone to apply. Applying online, however, is hands down the easiest and most convenient way to get started in the process, and just requires you to fill in your basic information. In most cases, you can get a decision within a matter of minutes.

Top U.S. Bank Credit Card Application Offers

You don’t necessarily have to have a bank account with U.S. Bank to qualify for a credit card. However, many of the cards come with increased benefits if you connect your card to a U.S. bank checking or savings account. The types of credit cards you can choose from range from travel rewards cards to secured cards for people who are in the process of rebuilding their credit. Some of the best credit card application offers you can get with U.S. Bank include the following.

U.S. Bank Cash 365™ American Express® Card

The U.S. Bank Cash 365™ American Express® Card awards a flat rate of 1.5% cash back on purchases made with the card. New cardholders can earn a $25 statemet credit if you spend $100 on dining within the first 90 days of account opening. There is a 0% introductory APR for the first 12 billing cycles on balances transferred within 60 days from account opening. After that, the variable APR of 14.99% - 23.99% will apply based on your creditworthiness. The balance transfer fee is 3% or $5, whichever is greater. There is no annual fee.

U.S. Bank Cash+™ Visa Signature® Card

The U.S. Bank Cash+™ Visa Signature® Card awards 5% cash back on your first $2,000 in combined net purchases each quarter on two categories you choose. You can also earn 2% cash back in one everyday category and 1% cash back on your other everyday purchases. This card also offers a 0% intro APR for balance transfers for the first 12 billing cycles on balances transferred within 60 days of opening the account. The variable APR for balance transfers after the intro period and for purchases is 14.99% to 23.99% based on your creditworthiness. The balance transfer fee is the greater of $5 or 3%. There is no annual fee.

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

The U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card awards 3X FlexPoints per dollar spent on qualifying charitable donations, 2X FlexPoints per dollar spent at gas stations, grocery stores, or airlines, whichever category you spend most on each monthly billing cycle, and as well as most cell phone service providers. You also earn 1 point for each dollar spent on other purchases. This card includes travel benefits such as a $25 airline allowance for airline award tickets, and 12 complimentary Gogo Inflight Wi-Fi passes pear year. New cardholders can earn a bonus of 20,000 enrollment FlexPoints after spending $2,000 with the card in the first four months of account opening. The variable APR on purchases and balance transfers is 14.99% - 24.99%. There is no foreign transaction fee. There is a $0 introductory annual fee for the first 12 months. After that, the annual fee is $49.

U.S. Bank FlexPerks® Gold American Express® Card

The U.S. Bank FlexPerks® Gold American Express® Card awards 3X points at restaurants, 2X points at airlines and gas stations, and 1X point per dollar spent on other qualifying purchases. Travel benefits include an automatic statement credit reimbursement on the application fee for either TSA Precheck or Global Entry, whichever you apply for first. You also get complimentary Boingo Wi-Fi access and a $25 airline allowance for each air travel award ticket. The variable APR on purchases and balance transfers is 14.74% - 24.74%. There is no foreign transaction fee. The annual fee is $85.

U.S. Bank FlexPerks® Select+ American Express® Card

The U.S. Bank FlexPerks® Select+ American Express® Card awards one FlexPoint for each dollar you spend with the card up to $120,000 in purchases each year. When you reach the spending cap, you earn one point for every $2 you spend with the card for the remainder of the calendar year. New cardholders can earn a bonus of 10,000 points after you spend $1,000 with the card in the first four months of account opening. There is a 0% introductory APR for nine billing cycles on balance transfers made within 60 days of opening the account. The APR is 14.99% - 24.99% variable. There is no annual fee.

U.S. Bank Visa® Platinum Card

The U.S. Bank Visa® Platinum Card is one of U.S. Bank’s low-interest card options. This card offers a 0% introductory APR on purchases and balances transferred within 60 days from account opening, for 15 billing cycles. After that, the variable APR is 10.74% to 22.74% based on your creditworthiness. There is a balance transfer fee of 3% or $5, whichever is greater. There is no annual fee.

AeroMexico Visa Signature® Card

The AeroMexico Visa Signature® Card awards double miles on Aeromexico ticket purchases and vacations as well as gas and grocery purchases, and one mile for each dollar spent on other purchases. This card also includes 4,000 annual bonus miles plus a $99 companion certificate when you renew your card. You also get travel benefits such as a free upgrade each year, complimentary baggage, and the fourth ticket free when you buy three tickets. New cardholders can earn 20,000 bonus miles after your first use plus a complimentary companion certificate. The variable APR is 13.99% to 23.99%. There is a $0 introductory annual fee for the first 12 months. After that, the annual fee is $80.

AeroMexico Visa® Card

The AeroMexico Visa® Card also awards miles that can be used for AeroMexico flights. With this card, you get double miles for AeroMexico tickets and vacations, as well as gas and groceries. All other qualifying purchases are awarded one mile. New cardholders can earn 15,000 first use bonus miles plus a complimentary companion certificate. You also get 2,000 annual bonus miles plus a $99 companion certificate when you renew your card. Other benefits include fourth ticket free when you buy three and complimentary baggage. The variable APR is 13.99% to 23.99%. There is a $0 introductory annual fee for the first 12 months. After that, the annual fee is $45.

Club Carlson℠ Premier Rewards Visa Signature® Card

The Club Carlson℠ Premier Rewards Visa Signature® Card awards 10 points for each dollar spent on purchases at Carlson Rezidor hotels and 5 points per dollar spent on other purchases. New cardholders can receive 50,000 Gold Points after your first purchase with the card plus 35,000 points when you spend $2,500 on your card in the first 90 days. Each year you also get 40,000 renewal bonus points and one free night when you charge $10,000 with your card and pay your annual fee. This card also includes a Gold Elite Status upgrade. The variable APR is 14.99% to 23.99%. The annual fee is $75.

Club Carlson℠ Rewards Visa Signature® Card

The Club Carlson℠ Rewards Visa Signature® Card awards 6 points per dollar spent at Carlson Rezidor hotels and 3 points everywhere else. New cardholders can earn up to 60,000 bonus gold points – 50,000 after your first purchase with the card plus 10,000 points when you spend $1,500 on your card within the first 90 days. You also get 25,000 renewal bonus points each year you renew your card when you pay your annual fee. When you make $10,000 in purchases and renew your card by paying your annual fee, you earn a free night. The APR is variable and will be 16.99% to 25.99%. The annual fee is $50.

Club Carlson℠ Rewards Visa® Card

With the Club Carlson℠ Rewards Visa® Card you get 3 points per dollar spent at Carlson Rezidor hotels and 1 point on purchases everywhere else. You can also earn up to 30,000 bonus gold points after you spend $1,000 on your card within the first 90 days. This card awards one free night when you charge $10,000 each year then renew your card. The variable APR is 23.99%. There is no annual fee.

LANPASS Visa Signature® Card

The LANPASS Visa Signature® Card awards LATAM Pass Miles that you can redeem for award flights. You get two miles on LATAM Airlines ticket purchases and one mile for each dollar you spend on other purchases with the card. New cardholders earn 20,000 bonus miles after your first credit card use and 4,000 bonus miles with your annual renewal. Other benefits include a 20% discount on LATAM Airlines purchases up to $1,000 once per year, 3 one-way upgrade coupons per year, and 25% flight miles bonus. The variable APR is 13.49% - 23.49%. There is a $0 intro annual fee for the first 12 months, then $75.

LANPASS Visa® Card

The LANPASS Visa® Card is similar to the Visa Signature version but a little different. This card awards one mile for every dollar you spent with the card. You can earn 15,000 bonus miles after your first card use. You also get 2,000 bonus miles with your annual renewal. There is a 10% discount on LATAM Airlines purchases (up to $1,000) one time per year. The variable APR is 13.99% - 23.99%. There is a $0 intro annual fee for the first 12 months, then $45.

SKYPASS Visa Signature® Card

The SKYPASS Visa Signature® Card awards double miles on Korean Air ticket purchases and one mile for other eligible purchases. New cardholders can earn 15,000 bonus miles after your first purchase and 2,000 bonus miles at renewal. Other travel benefits include two Korean Air Lounge coupons each year and the ability to reach and maintain Morning Calm Club membership. The APR is 13.99% - 20.99% (variable). This is the only SKYPASS card of the three that does not charge foreign transaction fees. The annual fee is $80.

SKYPASS Visa® Classic Card

The SKYPASS Visa® Classic Card awards one mile for each dollar you spend with the card. New cardholders can earn 5,000 SKYPASS bonus miles after your first purchase and 1,000 bonus miles at renewal. The APR is 13.99% - 20.99% (variable). The annual fee is $50.

SkyBlue SKYPASS Visa® Card

The SkyBlue SKYPASS Visa® Card awards one mile for every $2 net purchase. New cardholders can earn 5,000 bonus miles after your first purchase. The APR is 13.99% - 20.99% (variable). There is no annual fee.

1-2-3 REWARDS® Visa® Card

The 1-2-3 REWARDS® Visa® Card awards 3 points per dollar for Kroger family of quality brands purchases, 2 points for Kroger family of stores purchases (excluding fuel centers), and 1 point for other purchases. You can also get an additional 25 cents off per gallon for one year at Kroger Family of Stores Fuel Centers when you redeem 100 Fuel Rewards points. The variable APR is 14.99% - 24.99%. There is no annual fee.

Ace Rewards® Visa Signature® Card

The Ace Rewards® Visa Signature® Card awards up to 10% in Ace Rewards in popular quarterly categories and up to 5% at participating Ace Stores. You also get 2% rewards at gas stations and grocery stores and 1% on other purchases. For each 12,500 points you earn, you receive $25 in Ace Rewards. The variable APR is 14.99% - 23.99%. There is no annual fee.

Fred Meyer Rewards® Visa® Card

The Fred Meyer Rewards® Visa® Card awards 2 points for each dollar spent on purchases at Fred Meyer stores and 1 point on all other eligible purchases. Your rewards are automatically sent each quarter when you reach 500 points, which is equal to $5. You also save up to $1.25 a gallon at Fred Meyer Fuel Centers for one year when you redeem up to 1000 Fuel Points and you scan and pay with your card. There is 0% introductory APR on purchases and balance transfers for the first 9 billing cycles. After that, a variable APR of 14.99% - 24.99% will apply. There is no annual fee.

Gymboree® Visa® Card

The Gymboree® Visa® Card offers cardholders a 5% discount on all Gymboree clothing purchases and 1% reward on all other qualifying purchases. New cardholders receive a $10 Gymboree Retail Store Enrollment Bonus after approval and 20% savings on your first Gymboree clothing purchase. You also get opportunities for more savings throughout the year. The APR is 14.99% - 23.99% (variable). There is no annual fee.

Harley-Davidson® Visa Signature® Card

The Harley-Davidson® Visa Signature® Card awards 3 points at Harley-Davidson dealerships, 2 points at gas stations, restaurants, bars, and lodging, and 1 point everywhere else. You can redeem 2,500 points for a $25 H-D gift card. The APR is 14.99% - 23.99% (variable). There is no annual fee.

Polaris® Visa® Card

The Polaris® Visa® Card awards 2 points at Polaris dealerships and gas stations, and 1 point everywhere else Visa is accepted. You can redeem 2,500 points for $25 Polaris Cash, which can be used at Polaris Dealerships. New cardholders get 5,000 bonus points after making your first purchase. The APR is 14.99% - 23.99% (variable). There is no annual fee.

Ralphs Rewards Visa® Card

The Ralphs Rewards Visa® Card awards 3 points per dollar spent on Ralphs store brand products, 2 points at Ralphs grocery stores, and 1 point on other eligible purchases. You get a $50 statement credit after your first purchase and a $5 rewards certificate for every 1,000 points. The variable APR is 14.99%-24.99%. There is no annual fee.

REI MasterCard®

The REI MasterCard® is the only card that allows you to increase your REI dividend. U.S. Bank donates $10,000 per year to nonprofit organizations for connecting people with nature and preservation and restoration of natural spaces. This card gives you 5% back at REI and 1% back on everyday purchases. New cardholders are eligible for a one-time REI gift card offer once you are approved for the card and you make a purchase with your card within the first 60 days. The variable APR is 11.99%-23.99%. There is no annual fee.

U.S. Bank College Visa® Card

The U.S. Bank College Visa® Card is designed to help college students build good credit. This card offers benefits such as access to FlexControl and U.S. Bank overdraft protection. The variable APR for purchases and balance transfers is 12.99% to 21.99%. There is no annual fee.

Secured Cards for Rebuilding or Building Credit

U.S. Bank offers one of the largest selections of secured cards available. Plus, these cards are some of the only secured credit cards which also include a rewards program for earning when you use the card. Most secured cards with U.S. Bank require a security deposit of at least $300, which is held in an interest-bearing savings account while your account is open. You then receive a card with a credit limit in the amount of the security deposit, to use just as you would any other credit card. As you make your payments, your account activity is reported to the credit bureaus, and over time, you can build a better credit score.

U.S. Bank Secured Visa® Card

The U.S. Bank Secured Visa® Card is the standard version secured card that U.S. Bank offers to help rebuild your credit. It also includes the benefits you get with other U.S. Bank cards such as fraud protection, auto rental insurance, and FlexControl, which can help you avoid interest and late fees. The variable APR for purchases and balance transfers is 19.99%. The annual fee is $29.

Harley-Davidson® Visa® Secured Card

Harley fans can work on improving their credit with the Harley-Davidson® Visa® Secured Card, which also comes with Harley-Davidson (H-D) rewards. This card awards one H-D point for each dollar you spend with the card. You can redeem 2,500 points for a $25 H-D gift card which can be used for Harley-Davidson merchandise. The variable APR for purchases and balance transfers is 23.99%. There is no annual fee.

AeroMexico Visa® Secured Card

The AeroMexico Visa® Secured Card awards double miles on gas and groceries and one mile on other purchases. You can redeem your miles for AeroMexico flights. New cardholders receive a complimentary companion certificage upon approval and can earn 5,000 bonus miles after you use the card the first time. You also get a $99 companion certificate with renewal as well as complimentary baggage when you fly with AeroMexico. The APR for purchases and balance transfers is 23.99%. There is no annual fee for the first 12 months. After that, the annual fee is $25.

LANPASS Visa® Secured Card

The LANPASS Visa® Secured Card awards 1 LATAM Pass mile for each dollar you spend with the card. These miles can be redeemed for LANPASS award flights. As a new cardholder, you get 5,000 bonus miles after your first card use. The card also includes a 10% discount on your first LATAM Airlines purchase, up to $500, one time per year. The APR for purchases and balance transfers is 23.99% (variable). There is no annual fee for the first 12 months. After that, the annual fee is $25.

SKYPASS Visa® Secured Card

The SKYPASS Visa® Secured Card awards one mile for each dollar you spend with the card, which can be redeemed for SKYPASS award flights. New cardholders can earn 5,000 bonus miles after your first purchase. This card also offers 1,000 bonus miles at renewal and $250,000 in travel accident insurance. The APR for purchases and balance transfers is 17.24% (variable). The annual fee is $50.

U.S. Bank Business Credit Cards

U.S. Bank also offers a wide variety of business credit cards offering a variety of rewards and benefits for small business owners.

U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®

The U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® awards 3% cash back on cellular, gas, and office supply store purchases and 1% cash back on all other eligible purchases. You can earn a 25% annual bonus, up to $250, based on your prior year’s cash rewards. There is a 0% intro APR on purchases for the first nine billing cycles. After that, the variable APR is 12.99% to 23.99%. There is no annual fee.

U.S. Bank Business Edge™ Select Rewards Card

If your business expenses include travel or auto expenses, you might instead choose the U.S. Bank Business Edge™ Select Rewards Card. This card awards three points for each dollar you spend in the category of your choice. The categories you can choose from include day-to-day expenses such as shipping, office supplies, and utilities, automotive expenses such as gas, tires, and car washes, and travel and entertainment expenses such as airlines, hotels, and restaurants. You also earn one point for each dollar you spend on other purchases. As a new cardholder you can earn 10,000 bonus points after you spend $500 in the first 90 days after opening the account. There is a 0% intro APR on purchases for the first 9 billing cycles. The APR after that is 12.99% to 23.99% variable. There is no annual fee.

U.S. Bank Business Edge™ Platinum Card

There is no rewards program with the U.S. Bank Business Edge™ Platinum Card, but it does offer a 0% intro APR on purchases and balance transfers for the first 12 billing cycles. After that, the APR is 10.99% to 18.99% variable. There is no annual fee.

U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card

The U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card awards triple FlexPoints for qualifying charitable donations, double points for each dollar spent on gas, office supply or airline purchases, whichever you spend the most on each month. Plus, get double points on most cell phone expenses, and one point for all other purchases. This card also includes an airline travel allowance up to $25 with each award ticket, which can be used for baggage fees, in-flight food or drinks, or other expenses. Each year that you use the card for $24,000 in purchases, your annual fee will be credited back to your account. The variable APR is 12.99% to 23.99%. There is an introductory $0 first year annual fee. After that, the annual fee is $55.

Club Carlson Business Rewards Visa® Card

The Club Carlson Business Rewards Visa® Card awards 10 points for each dollar spent at Carlson Rezidor hotels and 5 points per dollar on all other eligible purchases. You can earn 50,000 bonus points after your first purchase, plus 35,000 points when you spend $2,500 on your card within the first 90 days. Each year, you also get 40,000 bonus points when you renew your card by paying the annual fee. Further, if you charge $10,000 and renew your card, you earn one free night. The variable APR is 14.99% - 23.99%. The annual fee is $60.

SKYPASS Visa® Business Card

The SKYPASS Visa® Business Card Awards awards double miles on Korean Air ticket purchases and one mile for each dollar you spend on other purchases. New cardholders can earn 10,000 bonus miles after your first purchase. Each year, you get two Korean Air Lounge coupons and 2,000 bonus miles at renewal. The APR is 13.99% - 20.99% (variable). There is no foreign transaction fee. The annual fee is $75.

Ace Rewards® Visa® Business Card

The Ace Rewards® Visa® Business Card awards business owners 3% in Ace rewards points at Ace Stores, 2% in rewards points at gas stations and grocery stores, and 1% everywhere else. Rewards can be redeemed at Ace Stores and are automatically issued when you reach 12,500 points, which are worth $25. The variable APR is 14.99% – 23.99%. There is no annual fee.

How to Find the Best U.S. Bank Card Promotions

Internet – Our Recommended Option. The easiest way to find the best U.S. Bank credit card promotions is online. Although there are many other ways to find the card you are looking for, the Internet and the U.S. Bank website provide the most up-to-date offers. You can also see if you qualify for the card you choose and apply online right from your computer at home. The Internet also provides the simplest way to research each card and determine which one provides the best opportunities before you apply.

Mail Offers. You may also get U.S. Bank credit card offers in the mail, especially if you are already a bank customer. However, these promotions are usually targeted to your demographic or the products you already have with the bank. If you are not already a customer, this could mean that you miss out on certain promotions. These offers usually include a phone number and the U.S. Bank website that you can visit if you want to follow up on the offer.

TV. Many of U.S. Bank’s television ads are designed for promoting its banking services and other types of financial products. You won’t typically see a television offer for a particular U.S. Bank credit card, like you would with other large credit card providers. TV ads are helpful, however, for getting information about U.S. Bank products and seeking more information if you are interested.

Magazines/Newspapers.  There are still promotions that run through magazines and newspapers for various credit cards. Again, most of the print offers for U.S. Bank will focus on its banking services rather than a particular credit card. However, these ads usually include the phone number and website for customers who are interested in any of the bank’s services.

Bank Branches. Because U.S. Bank has branches across the country, getting the best credit card offer by simply walking into our nearest branch might be one of the easiest ways to get the information you need. It isn’t as easy to research the right card for your situation as it would be through the Internet, but you can apply for the card of your choice and usually get an instant decision in the bank as well. 

Credit Cards for People with Excellent to Good Credit

Many of the U.S. Bank credit cards require excellent to good credit scores. However, U.S. Bank provides one of the largest lists of secured credit card options available. If you have poor or no credit, it might be best to apply for a secured credit card and then build your credit score until you can qualify for one of the other cards. If none of U.S. Bank’s many credit card options work out for you or you don’t qualify for any of the cards you are interested in, you should consider some of the cards on our lists below.

 

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