U.S. Bank Credit Card Offers: Applications & Reviews
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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+™ Visa Signature® Card
The U.S. Bank Cash+™ Visa Signature® Card awards new cardholders 5% cash back on your first $2,000 in combined net purchases each quarter on two categories you choose. You also us bank secured credit card annual fee 2% cash back on one everyday category like gas stations or grocery stores. All other purchases earn 1% cash back. There is no annual fee.
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 foreclosed homes for sale tulsa 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. 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 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 the first 18 billing cycles. After that, the variable APR applies. 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 15,000 bonus miles after your first use plus a complimentary companion certificate. 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 10,000 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 annual fee is $45.
LATAM Visa Signature® Card
The LATAM 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. There is a $0 intro annual fee for the first 12 months, then $75.
LATAM Visa® Card
The LATAM 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 bath and body works hand sanitizer holder amazon 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 $500) one time per year. 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 30,000 bonus miles after you spend $3,000 within first 90 days 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. This is the only SKYPASS card of the three that does not charge foreign transaction fees. The annual fee is $95.
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. There is no annual fee.
1-2-3 REWARDS® World Mastercard®
The 1-2-3 REWARDS® World Mastercard® 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. There is no annual fee.
Fred Meyer Rewards® World Mastercard®
The Fred Meyer Rewards® World Mastercard® 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 john f kennedy jr wedding location you scan and pay with your card. There is no annual fee.
Gymboree® Visa® Credit 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. You also get opportunities for more savings throughout the year. 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. 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. There is no annual fee.
Ralphs Rewards World Mastercard®
The Ralphs Rewards World Mastercard® 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. There is no annual fee.
REI Co-op 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. 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 us bank secured credit card annual fee 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 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. 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 3,500 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 annual fee is $25.
LATAM Visa® Secured Card
The LATAM Visa® Secured Card awards 1 LATAM Pass point for each dollar you spend with the card. These miles can be redeemed for LATAM 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. There is us bank secured credit card annual fee 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 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 Platinum Card
There is no rewards program with the U.S. Bank Business Platinum Card, but it does offer a 0% intro APR on purchases and balance transfers for the first 20 billing cycles. After that, the variable APR applies. There is no annual fee.
U.S. Bank Business Cash Rewards World Elite™ MasterCard®
The U.S. Bank Business Cash Rewards Us bank secured credit card annual fee 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 no annual fee.
U.S. Bank FlexPerks® Business Travel Rewards Card
The U.S. Bank FlexPerks® Business Travel Rewards Card awards double 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 first national bank minden nebraska 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. There is an introductory $0 first year annual fee. After that, the annual fee is $55.
Radisson Rewards™ Business Visa® Card
The Radisson Rewards™ Business Visa® Card awards 10 points for each dollar spent at Radisson Family of Hotels and 5 points per dollar on us bank secured credit card annual fee 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 $30,000 and renew your card, you earn one free night. 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. Each year, you get two Korean Air Lounge coupons and 2,000 bonus miles at renewal. There is no foreign transaction fee. The annual fee is $95.
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 us bank secured credit card annual fee 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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U.S. Bank Cash+®Visa® Secured Card
Build credit1and earn cash back.2
Earn unlimited cash back while building credit for the future. Start with a security deposit of $300 to $5,000 and $0 annual fee.
How credit-building cards work
Set your credit limit.
Your refundable deposit is held in a secured savings account. Your card limit is the same amount as your security deposit.
Get rewarded for everyday purchases.
Use your card everywhere Visa is accepted. Your secured card works and looks like any other credit card.
Build your credit.
We monitor your activity and regularly report your card status to the three major credit bureaus. Spend within your credit limit and pay your bill when it’s due. Over time, this will help build your credit and you may be able to automatically graduate to the U.S. BankCash+® Visa Signature® Card. Upon graduation, your security deposit will be returned.
Enjoy cash back on everyday purchases.2
5% cash back
On your first $2,000 in combined eligible purchases each quarter in two categories you choose3
2% cash back
On eligible purchases in your choice of one everyday category (like gas stations, grocery stores and restaurants)3
1% cash back
On all other eligible purchases3
Choose your payment due date.
Everyone’s schedule is different. So it’s handy to be able to pick when your payment is due.4
Zero fraud liability
You are not responsible for unauthorized transactions if your card is ever lost or stolen.5
Detects and notifies you of any unusual card activity to help prevent fraud.
Pay on time and avoid late fees by selecting an automatic payment option that best suits your budget.
24/7 account access
Use the U.S. Bank Mobile App or online banking to make a payment, check your balance and much more.
Pay with a tap. Your contactless card makes payments with a simple, single tap. Just look for the Contactless Symbol when checking out.
Looking for a credit card with different benefits?
Check out our wide range of cards that could fit your needs.
Frequently asked questions
Your refundable deposit is held in a secured U.S. Bank savings. The savings account is FDIC-insured, earns interest and won't be touched as long as your account remains open and in good standing.
There are three ways to redeem your cash back:
- A statement credit to your account
- A direct deposit to your U.S. Bank checking, savings or money market account
- A U.S. Bank Rewards Card
There is no limit on the total cash back you can earn. Rewards redemption starts at $25.
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CC-002 Account in good standing
Start of disclosure content
CC-006 Contactless trademark
CC-007 Creditor and issuer - Visa
U.S. Bank Launches Two New Secured Credit Cards With Rewards
U.S. Bank has launched two new secured credit cards with surprisingly good rewards programs. A secured credit card offering points or cash back isn't unique, but the U.S. Bank Altitude Go Visa Secured Card and the U.S. Bank Cash+ Visa Secured Card offer the same rewards rates as their unsecured counterparts.
- U.S. Bank has launched two new secured credit cards designed for people who are looking to build or rebuild their credit history.
- The two new secured credit cards offer outsized rewards that are usually reserved for good-credit borrowers with traditional, unsecured credit cards.
- Cardholders can "graduate" to an unsecured card if they demonstrate good credit habits with their secured card.
Secured Credit Cards With Rewards Are Becoming More Common
Historically, secured credit cards have been used by cardholders to build or rebuild their credit, after which us bank secured credit card annual fee might qualify for a regular, unsecured credit card. Many of the best secured cards didn't charge an annual fee, but you couldn't expect much else in terms of rewards or other benefits.
Recently, though, major card issuers have begun adding rewards to their secured cards. Bank of America, Capital One, Discover, Navy Federal Credit Union, and others all offer secured rewards cards, and now U.S. Bank has joined the list.
How the New U.S. Bank Secured Cards Work
U.S. Bank's two new secured cards, the Altitude Go Visa Secured Card and the Cash+ Visa Secured Card, mimic the rewards structure and benefits of their unsecured counterparts, albeit with a few changes. Those include no sign-up bonus and higher APRs.
With either card, users can get a credit limit ranging from $300 to $5,000, equal to their upfront security deposit. In both cases, responsible card use over time could result in graduating to the unsecured version of the card, at which point the deposit will be returned. Also, neither card charges an annual fee.
Altitude Go Visa Secured Card, cardholders will get the following:
- 4 points per dollar on dining and takeout
- 2 points per dollar at grocery stores and gas stations, and also us bank secured credit card annual fee streaming services
- 1 point per dollar on all other purchases
- An annual $15 streaming credit for select streaming services
The Cash+ Visa Secured Card offerst:
- 5% cash back on the first $2,000 spent quarterly in two categories the cardholder can choose from a list of 12 options.
- 2% cash back on purchases in one category of the cardholder's choice from a list of everyday options like grocery stores, gas stations, and restaurants.
- 1% cash back on all other purchases.
If you're looking to establish a credit history or rebuild your credit score after some missteps, you have more options than ever, particularly for cards that don't charge exorbitant interest rates and fees. But take your time to consider both secured and unsecured options to determine the right fit for you. If you need some help, Investopedia publishes a list of the Best Secured Credit Cards, which is updated each month.
Frequently asked questions
A credit card allows you to borrow money, with the intention you’ll pay back the lender (your bank) later on. While it sounds simple, credit can get complex. Take our quick credit quiz to test your knowledge and learn what you might need to brush up on.
There are simple things you can do to build and maintain good credit. Pay your entire balance on time every month, stay below your credit limit and follow these other tips for improving your credit score.
The Rewards Center Earn Mall is an online, one-stop shopping experience where customers can receive rewards when they purchase products from over 1,000 online stores.
You can access the site by logging into your eligible credit card account with your username and password and navigate to the Rewards Center Earn Mall through the Rewards Center. When you click any online store's listing, you'll be directed to the store website, where you can complete your purchase.
Once enrolled, log in at usbank.com. Click on Earn Mall in the Rewards Center and start shopping. By using the Rewards Center Earn Mall on your U. S. Bank Credit Card, you will be able to earn more rewards by shopping online.
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