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Best U.S. Bank Credit Cards for 2025

Review Updated
Lyle Daly
Lyle Daly
| 2 others [ + ]
Natasha Etzel
Natasha Etzel
Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
Fact checker

Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.

The best U.S. Bank credit cards offer quality credit cards with everything from big rewards to lengthy 0% intro APR periods. It's all a matter of choosing one with the benefits you're looking for. Our experts have outlined the best U.S. Bank credit cards and their most notable features below.

  • Our team of experts reviewed over 260 credit cards
  • We evaluate all credit cards across the same 4 key criteria: value, welcome experience, fees, and perks
  • Our credit card ratings are never influenced by our advertising partners
  • If we wouldn't recommend an offer to a close family member, we won't recommend it to you

Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Top U.S. Bank credit cards at a glance

Ratings Methodology

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

Great for: Dining and streaming perks with no annual fee

Read Review
Rates & Fees External Link Icon
U.S. Bank Altitude® Go Visa Signature® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Read Review
Rates & Fees External Link Icon
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% on purchases and balance transfers for the first 12 billing cycles on purchases billing cycles, and after that 17.74% to 28.74% (Variable).

Purchases: 0%, 12 billing cycles on purchases

Balance Transfers: 0%, 12 billing cycles

Regular APR

17.74% to 28.74% (Variable)

Rewards Circle with letter I in it. 4X points on dining, takeout, and restaurant delivery. 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! 2X points at grocery stores (excluding warehouse clubs and discount stores/supercenters), grocery delivery, gas stations, and EV charging stations. 1X point on all other eligible purchases.

1x - 4x points

Annual Fee

$0

Welcome Offer Circle with letter I in it. 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening

20,000 bonus points

  • A great pick that offers lucrative rewards (up to 4x points), a big bonus, and a competitive 0% intro APR offer, all with no annual fee.

    • Big sign-up bonus
    • Dining rewards
    • No annual fee
    • 0% intro APR offer
    • Streaming credit
    • Balance transfer fee
    • Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
    • 4X points on dining, takeout, and restaurant delivery.
    • 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
    • 2X at grocery stores and gas stations/EV charging stations (discount stores/supercenters and wholesale clubs excluded).
    • 1X point on all other eligible purchases.
    • 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 17.74% to 28.74%.
    • No Annual Fee
    • Points never expire as long as your account is active.
    • Redeem points towards a monetary charitable contribution and U.S. Bank will match your contribution at 100%.
    • Terms and conditions apply.
U.S. Bank Altitude® Go Visa Signature® Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

U.S. Bank Visa® Platinum Card

Great for: Long 0% intro APR

Read Review
Rates & Fees External Link Icon
U.S. Bank Visa® Platinum Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Read Review
Rates & Fees External Link Icon
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% on purchases and balance transfers for the first 21 billing cycles on purchases billing cycles, and after that 18.24% - 29.24% (Variable).

Purchases: 0%, 21 billing cycles on purchases

Balance Transfers: 0%, 21 billing cycles

Regular APR

18.24% - 29.24% (Variable)

Rewards

N/A

Annual Fee

N/A

Welcome Offer

N/A

  • Got a big purchase to finance over time? Consider this U.S. Bank card, as it'll give you a whopping 21 billing cycles of 0% APR on purchases. This also goes for balance transfers, making this one a great fit if you have some existing debt to pay off. It also comes without an annual fee.

    • Long 0% intro APR offer
    • No annual fee
    • Cellphone protection
    • Free credit score monitoring
    • No rewards
    • High balance transfer fee
    • Foreign transaction fee
    • For a limited time, 0% Intro APR on purchases and balance transfers for 21 billing cycles. After that, a variable APR currently 18.24% - 29.24%.
    • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S. Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
    • Choose a payment due date that fits your schedule
    • No Annual Fee
    • Terms and conditions apply.
U.S. Bank Visa® Platinum Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

U.S. Bank Altitude® Connect Visa Signature® Card

Great for: Big bonus rewards

Read Review
Rates & Fees External Link Icon
U.S. Bank Altitude® Connect Visa Signature® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Read Review
Rates & Fees External Link Icon
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on qualifying balance transfers for 12 billing cycles

Purchases: N/A

Balance Transfers: 0%, 12 billing cycles

Regular APR

17.49% to 28.49% (Variable)

Rewards Circle with letter I in it. Earn 5x points on prepaid hotels and car rentals booked in the Altitude Rewards Center, 4X points on travel, 4X points at gas and EV charging stations (up to your first $1,000 per quarter), 2X points at grocery stores (excluding warehouse clubs and discount stores/supercenters), grocery delivery, dining and streaming services, 1x points on other purchases

1x - 5x points

Annual Fee

$0

Welcome Offer Circle with letter I in it. 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening

20,000 points

  • Special travel perks can be yours with this U.S. Bank card. You can earn 5X points per $1 on travel booked through the Altitude Rewards Center, 4X points on other travel, and more, all with no annual fee. Plus, to enhance your travel experience, you can enjoy access to airport lounges worldwide with a 12-month Priority Pass Select membership, plus a credit for Global Entry or TSA PreCheck

    • Big welcome bonus
    • Robust rewards program
    • Airport lounge access
    • Travel protections
    • Can't transfer points
    • Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards travel and more.
    • 0% intro APR for 12 billing cycles on qualifying balance transfers (balances transferred within 60 days of account opening)
    • 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
    • 4X on travel
    • 4X on your first $1,000 spent each quarter at gas stations and EV charging stations (wholesale clubs and discount stores/supercenters excluded)
    • 2X on dining, streaming services and at grocery stores (discount stores/supercenters and wholesale clubs excluded).
    • Receive up to $100 in statement credits for reimbursement toward your TSA PreCheck® or Global Entry® application fee once every four years.
    • 1X point on all other eligible purchases.
    • Points never expire as long as your account is active.
    • Protection and assistance when traveling with Trip Cancelation/Interruption, Trip Delay Reimbursement and SmartDelay.
    • Complimentary Priority Pass™ Select membership gives you 4 free visits to over 1,500 airport VIP lounges and experiences worldwide.
    • Terms and conditions apply.
U.S. Bank Altitude® Connect Visa Signature® Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

U.S. Bank Cash+® Visa Signature® Card

Great for: Flexible cash back bonus categories

Read Review
Rates & Fees External Link Icon
U.S. Bank Cash+® Visa Signature® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Read Review
Rates & Fees External Link Icon
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% on purchases and balance transfers for the first 15 billing cycles on purchases billing cycles, and after that 18.99% - 29.24% (Variable).

Purchases: 0%, 15 billing cycles on purchases

Balance Transfers: 0%, 15 billing cycles

Regular APR

18.99% - 29.24% (Variable)

Rewards Circle with letter I in it. 5% cash back back on up to $2,000 of quarterly spending in two categories of choice and for travel booked directly in U.S. Bank's Rewards Travel Center, unlimited 2% back in one "everyday" category of choice, 1% back on other purchases

1% - 5% back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $200 bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.

$200

  • You get the power to choose not one, but two bonus 5% cash back categories every quarter with this U.S. Bank card. Plus, you get 5% on travel spending when you book through U.S. Bank. No annual fee, a generous welcome bonus, and 15 billing cycles of 0% APR on purchases and balance transfers round out the perks on this card.

    • Sign-up bonus
    • Bonus categories of your choosing
    • No annual fee
    • 0% intro APR offer
    • Lackluster 5% back categories
    • Cash back redemption minimum
    • Foreign transaction fee
    • $200 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening.
    • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
    • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
    • 2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants
    • 1% cash back on all other eligible purchases
    • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 18.99% - 29.24%
    • No Annual Fee
    • Terms and conditions apply.
U.S. Bank Cash+® Visa Signature® Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

U.S. Bank Altitude™ Reserve Visa Infinite® Card

Great for: Premium travel benefits

Read Review
U.S. Bank Altitude™ Reserve Visa Infinite® Card
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Read Review
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.74% to 28.74%, variable

Rewards Circle with letter I in it. 5x points on prepaid car rentals/hotels booked through Altitude Rewards Center, 3x points for eligible travel and mobile wallet spending, 1x points on other purchases

1x - 5x points

Annual Fee

$400

Welcome Offer Circle with letter I in it. 50,000 points after spending $4,500 in the first 90 days of account opening

50,000 points

  • The lucrative bonus and rewards program are among the best you'll find. But there are some hurdles to consider, including the annual fee, limited travel redemption options, and cash back redemption minimum.

    • Big sign-up bonus
    • Travel credits
    • Airport lounge access
    • Travel rewards
    • Mobile wallet rewards
    • Annual fee
    • Limited ways to use travel points
    • Inconvenient redemption process
    • Earn an enrollment bonus of 50,000 points worth $750 on travel. Just spend $4,500 in the first 90 days of account opening.
    • Earn 5x points on prepaid hotels and car rentals booked via the Altitude Rewards Center
    • Earn 3X points for every $1 on eligible net travel purchases and mobile wallet spending
    • Get reimbursed for up to $325 in annual statement credits on eligible net travel purchases.
    • TSA Pre√® or Global Entry - Up to $100 statement credit to reimburse your application fee once every four years
    • Airport Lounge Access - Complimentary 12-month Priority Pass™ Select membership for 8 free visits to more than 1,200 VIP lounges worldwide.
U.S. Bank Altitude™ Reserve Visa Infinite® Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

How to pick the best U.S. Bank credit card

Here's how to find the best U.S. Bank credit card for you:

  1. Decide which type of credit card you want.
  2. Select U.S. Bank credit cards in that category.
  3. Compare cards and pick your favorite.

You can narrow down your options by choosing a type of card first. Here are the types of credit cards U.S. Bank offers:

If you're unsure which type of card is right for you, think about why you're getting a new credit card.

Do you want to earn rewards on eligible purchases? Cash rewards credit cards and travel reward cards are both good options. Are you trying to build credit? A secured credit card, which requires a security deposit to open, is usually easy to get, even if you have no credit history.

Looking for a good credit card APR? Start with a card that offers a 0% introductory APR.

After you've chosen a type of card, you can compare the U.S. Bank credit cards that fit your needs. See what they offer, and choose the one you like the most. To quickly compare multiple credit cards, use Motley Fool Money's credit card comparison tool.

LEARN MORE: How to Choose a Credit Card

What credit score do you need for a U.S. Bank credit card?

The credit score needed for a U.S. Bank credit card varies depending on the card. U.S. Bank offers credit cards for consumers in every credit range, including those with low credit scores or no credit history. Getting approved for a credit card is mainly about finding the card that's right for your situation.

The easiest credit cards to get with U.S. Bank are its secured credit cards. To open a U.S. Bank secured card, you must pay a security deposit equal to the starting credit limit. This type of card is the best choice if your credit score is under 600 or you don't have much credit history yet.

If you have a higher credit score, then you might qualify for a U.S. bank card with more features. The card issuer's best cards typically require a credit score of at least 670.

How to maximize rewards from a U.S. Bank credit card

Here are a few tips to help you maximize rewards from your U.S. Bank credit card.

Pick the right card

Each U.S. Bank rewards card has bonus categories where it earns more back. You can find cards that earn extra on dining, travel purchases, and even in bonus categories you choose. Pick a card with a bonus category (or multiple categories) where you usually have high monthly spending to earn more rewards.

Get a sign-up bonus

Several U.S. Bank cards have valuable sign-up bonuses. A sign-up bonus is a special offer for new cardholders, such as 50,000 points for spending $2,000 in the first 120 days from account opening. Choose a card with a good bonus, and make sure you spend enough to qualify for it.

Put every purchase on your U.S. Bank card

You're earning rewards on your purchases, so take full advantage. Use your U.S. Bank rewards card for all your spending. Avoid using your debit card or cash because you won't earn points or cash back this way.

Pay your credit card bill in full

It's great to earn rewards but to make those rewards worth it, you also need to avoid any credit card interest charges. Pay the entire statement balance every time you pay your credit card bill. If you do that, you won't incur any interest charges on your purchases.

READ MORE: If I Pay Off My Credit Card, Will My Credit Score Change?

Redeem rewards for maximum value

Learn how you can use your card's rewards and how much value they offer. This is straightforward enough with a cash back card. You can redeem that as a statement credit on your credit card bill or as a direct deposit to a U.S. Bank bank account. If you have a card that earns rewards points, there may be several redemption options.

A final strategy that works well for maximizing credit card rewards is getting more than one credit card. If you have multiple U.S. Bank credit cards, you can get more sign-up bonuses and earn bonus rewards in more spending categories.

Managing multiple credit cards is more challenging than managing just one. If you think carrying multiple cards could tempt you to spend more, or that you might miss payments, it's better to stick with one. But if you're confident it won't be a problem, you may want to consider adding another U.S. Bank card to your wallet.

U.S. Bank credit card comparison

The Picks
Card Rating Great For
Graphic of U.S. Bank Altitude® Go Visa Signature® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Dining and streaming perks with no annual fee
Graphic of U.S. Bank Visa® Platinum Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Long 0% intro APR
Graphic of U.S. Bank Altitude® Connect Visa Signature® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Big bonus rewards
Graphic of U.S. Bank Cash+® Visa Signature® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Flexible cash back bonus categories
Graphic of U.S. Bank Altitude™ Reserve Visa Infinite® Card
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Premium travel benefits
U.S. Bank Altitude® Go Visa Signature® Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
U.S. Bank Visa® Platinum Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
U.S. Bank Altitude® Connect Visa Signature® Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
U.S. Bank Cash+® Visa Signature® Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
U.S. Bank Altitude™ Reserve Visa Infinite® Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

Our credit card methodology

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

Our highest-rated credit cards have:

  • A rewards rate above 2% (or 2x points or miles) with average spending, or competitive 0% intro APR balance transfer and purchase offers
  • Attainable welcome bonuses that make up for any annual fees
  • Low annual fees or a balance transfer fee of 3%
  • Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.

FAQs

  • The credit limit for a U.S. Bank credit card could be anywhere from $300 to over $25,000, depending on your creditworthiness and the card you choose. U.S. Bank sets your credit limit using your income, credit score, and other factors when it approves you for a credit card.

  • U.S. Bank credit cards aren't hard to get, although the difficulty depends on the specific card and your creditworthiness. The best U.S. Bank credit cards are typically only available to consumers with good or excellent credit. However, U.S. Bank also offers secured credit cards that you can get with a lower credit score.

  • Yes, a U.S. Bank credit card can help you build credit. U.S. Bank reports card activity to the three consumer credit bureaus (Equifax, Experian, and TransUnion). If you demonstrate good financial habits with your U.S. Bank card, including paying your bill on time and not using too much of your credit line, that can improve your credit.