Are you looking into U.S. bank credit card options?
U.S. Bank offers a range of cards designed for different needs—whether you’re trying to pay off high-interest debt or earn rewards on everyday purchases.
This guide lists the best cards for balance transfers and cashback, covering features, interest rates, fees, and how to apply.
Why Choose U.S. Bank Credit Cards?
If you’re comparing credit card issuers, U.S. Bank stands out for its mix of low rates, strong rewards, and flexible options.
Here’s why their cards are worth considering:
- Diverse Card Options – Cards for balance transfers, cashback, travel, and small business use.
- Competitive Interest Rates – Many cards offer low intro APRs and ongoing rates below industry averages.
- Reliable Mobile App – Easy-to-use app for tracking spending, making payments, and managing rewards.
- No Annual Fees on Select Cards – Great for budget-conscious users who want value with no extra cost.
- Strong Fraud Protection – Real-time alerts, zero liability on unauthorized charges, and secure online tools.
- Flexible Rewards Programs – Cashback, points, or travel rewards tailored to your spending habits.
- Trusted U.S. Banking Brand – Backed by one of the country’s most established financial institutions.
Top U.S. Bank Credit Cards for Balance Transfers
U.S. Bank offers several credit cards with attractive balance transfer options if you aim to consolidate debt and reduce interest payments.
These cards provide introductory 0% APR periods, allowing you to manage your finances more effectively.
U.S. Bank Shield™ Visa® Credit Card
- Intro APR: 0% on balance transfers for 24 billing cycles (transfers must be made within 60 days of account opening)
- Balance Transfer Fee: 5% of each transfer amount, with a $5 minimum
- Annual Fee: $0
Additional Benefits:
- 4% cash back on prepaid air, hotel, and car reservations booked through the Rewards Center.
- $20 annual statement credit after 11 consecutive months of purchases.
- Cell phone protection is up to $600 when you pay your monthly bill with the card.
- Free credit score access.
- Flexible redemption options for cash back rewards.
U.S. Bank Visa® Platinum Credit Card
- Intro APR: 0% on balance transfers for 24 billing cycles (transfers must be made within 60 days of account opening).
- Balance Transfer Fee: 5% of each transfer amount, with a $5 minimum.
- Annual Fee: $0.
Additional Benefits:
- Cell phone protection is up to $600 when you pay your monthly bill with the card.
- Free credit score access.
- Option to set up a 3-month $0 fee U.S. Bank ExtendPay® Plan annually.
U.S. Bank Cash+® Visa Signature® Card
- Intro APR: 0% on balance transfers for 15 billing cycles (transfers must be made within 60 days of account opening)
- Balance Transfer Fee: 5% of each transfer amount, with a $5 minimum
- Annual Fee: $0
Additional Benefits:
- 5% cash back on your first $2,000 combined eligible purchases each quarter on two categories you choose.
- 2% cash back on one everyday category you select, like gas stations, grocery stores, or restaurants.
- 1% cash back on all other eligible purchases.
- $200 bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
- Flexible redemption options for cash back rewards.
Best U.S. Bank Credit Cards for Cashback
U.S. Bank offers several solid cashback credit card options if you want to earn rewards on everyday purchases.
These cards let you earn money back on gas, groceries, streaming, and more, without an annual fee in most cases.
- U.S. Bank Cash+® Visa Signature® Card
It allows you to earn 5% cash back on your first $2,000 combined purchases each quarter in the two categories you choose.
It also earns 2% back on one everyday category and 1% back on everything else. There is no annual fee.
- U.S. Bank Altitude® Go Visa Signature® Card
Earns 4% back on dining, 2% on groceries, gas, and streaming services, and 1% on all other purchases.
There is no annual fee, and it includes a $15 streaming credit annually.
- U.S. Bank Altitude® Connect Visa Signature® Card
Offers 4x points on travel and gas and 2x points on dining and streaming. It has a $95 annual fee (waived the first year.
Understand the Rates and Fees
It is important to review the rates and fees before applying for any U.S. Bank credit card so you know what to expect.
These can affect how much you pay over time—especially if you carry a balance or use the card for transfers or cash advances.
- Purchase APR – Based on your creditworthiness, most U.S. Bank cards offer a variable APR, typically from 19.74% to 29.74%.
- Balance Transfer APR – Introductory 0% APR is usually provided for 15–24 billing cycles, then switches to the regular variable rate.
- Balance Transfer Fee – Usually 5% of each transfer amount, with a $5 minimum.
- Cash Advance APR – Typically higher, around 29.99% variable, applied immediately without a grace period.
- Cash Advance Fee – Generally 5% per transaction, with a $10 minimum.
- Annual Fee – Many U.S. Bank cards have no annual fee, though premium cards like the Altitude Connect may charge $95 (often waived the first year).
- Late Payment Fee – Up to $41 if your payment is late.
- Foreign Transaction Fee – Some cards charge 2–3% on international purchases; others, especially travel cards, waive this fee.
How to Apply for a U.S. Bank Credit Card
Applying for a U.S. Bank credit card is a straightforward process. You can apply online, through mobile banking, or at a local branch. Here’s how:
- Visit the U.S. Bank Credit Cards Page: Visit the U.S. Bank website and browse their available credit cards based on your needs.
- Choose a Card: Review the features of each card to find one that fits your financial needs.
- Click “Apply Now”: Once you’ve selected a card, click the “Apply Now” button to start the application process.
- Complete the Application: Fill out the online application form with your personal and financial information.
- Submit and Wait for Approval: Submit your application and await a decision, which may be provided instantly or within a few business days.
Customer Service Contact Information
If you need to contact U.S. Bank for assistance with credit cards or other services, here are the key contact numbers and mailing address:
- General Customer Service: 800-USBANKS (872-2657) – Available 24/7
- Consumer Credit Card Support: 800-285-8585
- Mailing Address: U.S. Bank, 800 Nicollet Mall, Minneapolis, MN 55402
To Conclude
U.S. Bank offers a strong mix of credit card options tailored to balance transfers, cashback, and everyday spending.
With competitive rates and flexible rewards, finding a card that fits your financial goals is easy.
Choose the U.S. bank credit card option that works for you and apply online today to take control of your finances.
Disclaimer
Rates, fees, and terms mentioned are subject to change and may vary based on your creditworthiness and application details.
Always review the official U.S. Bank terms and disclosures before applying for any credit card.
