The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

U.S. Bank offers nine credit card options. The most popular cards come with consumer-friendly terms, like introductory interest rates, no annual fees and one-time bonuses. U.S. Bank caters to multiple market segments, but applicants need to have a good or excellent credit score to increase their approval odds. You are likely to be approved for a specific card if you have a credit score of 670 or higher.

Featured Credit Cards Offered by U.S. Bank

Some of the best U.S. Bank credit cards include the U.S. Bank Visa® Platinum Card, U.S. Bank Altitude® Go Visa Signature® Card and U.S. Bank Altitude Connect Visa Signature card. The best U.S. Bank credit cards offer compelling welcome bonuses, impressive cashback and annual fees waived for the first year.

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Other Cards Issued by U.S. Bank

In addition to the featured cards mentioned above, U.S. Bank offers the following credit cards:

  • U.S. Bank Altitude® Connect Visa Signature® Card: For frequent travelers and those who use their card to buy groceries and streaming services
  • U.S. Bank Cash+ Visa Signature Card: For individuals who want to save on their ​​everyday spending and bills

The Best U.S. Bank Credit Cards in 2023

We compiled a list of the best U.S. Bank credit cards. Each card is evaluated based on welcome bonuses, rewards and other important factors.

  • U.S. Bank Altitude® Go Visa Signature® Card

    Solid dining rewards card with no annual fee

    • 1–4 Points per $1Rewards Rate
    • 18.24% – 29.24% VariableAPR
    • $0Annual Fee
    • ExcellentRecommended Credit

Rules for Applying, Acceptance & Welcome Bonuses

As with other issuers, applying for a credit card with U.S Bank is subject to approval. Below we answer some of the most frequently asked questions when you apply for a U.S. Bank credit card.

Other Considerations About U.S. Bank

There are several factors to consider when choosing a credit card. Below we go over some of the things you need to look at before getting your first credit card.


Customer Service & Satisfaction

You can contact a U.S. Bank customer service representative over the phone, online or by mobile app. While U.S. Bank offers plenty of support options, the majority of customers who left feedback on review websites are not satisfied with their products and services.

According to a recent J.D. Power survey, U.S. Bank ranked second to last for customer satisfaction among national issuers.

Mobile Apps & Online Services

The U.S. Bank mobile app allows consumers to access their credit card accounts on the go. The app lets you view your account status, available credit card balance, limit and payment due date. It is available in the Apple App Store and Google Play.

In the app, you can access up to your previous 99 transactions for the last 90 days. You can also view your account number and security code which is helpful when completing online purchases.

The 2021 J.D. Power Credit Card Mobile App Satisfaction Study ranked U.S. Bank second to last for mobile app satisfaction.

Security & Credit Monitoring Services

Cardholders can monitor their credit scores through the U.S. Bank mobile app or online banking. U.S. Bank uses the VantageScore 3.0 model, which considers the same data utilized by three leading credit reporting companies (TransUnion, Experian and Equifax). Your credit score helps you determine your creditworthiness.

Loyalty Programs & Other Issuer Perks

U.S. Bank offers generous loyalty programs and other perks in the form of cashback rewards, bonus travel points and discounts on shopping, sports, entertainment, wine purchases and car rentals. However, U.S. Bank does not have any airlines or hotels as transfer partners for its points.

Authorized Users

Cardholders can add authorized users through the mobile app or the online banking portal. An account may have up to seven authorized users at a time.

Purchase Protection

U.S. Bank provides Purchase Protection that covers damaged or stolen purchases for up to 90 days after the purchase date. Eligible cardholders are generally reimbursed up to $10,000 per item and a total of $50,000 a year per cardholder.

Co-Branding & Partnerships

U.S. Bank partners and co-brands with several providers and brands, including:

  • Quicken
  • REI Co-op
  • Dillons
  • Fred Meyer
  • Fry’s
  • Harris Teeter
  • King Soopers
  • Kroger
  • Mariano’s
  • Pick’n Save/Metro Market
  • QFC
  • Ralphs Rewards
  • Smith’s Rewards

Other Products Offered

In addition to credit cards, U.S. Bank offers other products, such as banking services, including checking and savings accounts, home equity loans, mortgages, trust and payment services for individuals and businesses.

Overall Opinion of U.S. Bank & Their Credit Card Offerings

U.S. Bank’s suite of credit cards may not be as robust as those of other issuers, but it has a decent lineup of offerings that are ideal for different situations. If your goal is to save on your daily spending through cashback rewards, the U.S. Bank Cash+ Visa Signature Card may be for you. If you are planning luxury travel, you might want to consider the U.S. Bank Altitude Reserve Visa Infinite Card. Food lovers can take a look at the U.S. Bank Altitude® Go Visa Signature® Card and see if it’s right for you.

Each U.S. Bank credit card is best for a certain type of individual:

  • balanceTransfer icon

    Those looking to pay down their debt through balance transfer without accumulating interest

    The U.S. Bank Platinum Visa Card doesn’t give you points or rewards, but it’s a good option for paying down balances. In addition to balance transfers, the 0% introductory interest offer is helpful to those who want to spread out payment of large purchases over time.

  • excellentCredit icon

    Individuals who want to build or establish their credit

    The U.S. Bank Secured Visa Card is best for those who aren’t yet eligible for an unsecured card. The refundable security deposit is usually the same amount as the credit limit, with a minimum of $300 and a maximum of $5,000.

  • niceMeal icon

    People who love to eat

    The U.S. Bank Altitude® Go Visa Signature® Card is probably among the most generous cards for food lovers. You can earn four points per dollar spent on food delivery or dining purchases and two points on grocery store purchases and grocery deliveries.

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"U.S. Bank has a variety of credit cards for consumers and small businesses that earn rewards or cash back, low interest rates, and valuable benefits. While many of its cards earn points, they are essentially cash back cards because U.S. Bank does not have any transfer partners, so there is no opportunity to receive outsized value on your rewards.

U.S. Bank is not as popular as American Express or Chase, but it has some good credit card options that could fit your spending habits and financial goals. Each card has its own strengths and weaknesses, so you have to assess your financial needs and goals carefully. The only thing with U.S. Bank that doesn’t impress us is its customer service, which ranks extremely low compared to other issuers. If customer service is important to you, you may wish to look elsewhere."

- Lee Huffman, credit card expert at

Still Not Sure About This Issuer? Consider These Options.

If you’re looking for something else not present in any of the U.S. Bank credit cards, you should consider other credit card alternatives offered by other issuers.

Learn More About Credit Cards in General

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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