In general, our credit card products are for customers with a credit score in the good to excellent range. We also offer several secured credit card products which are designed for people looking to build or rebuild their credit with responsible use.
Featured credit card offers
Find a credit card that fits your lifestyle.
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Earn up to 4% cash back on every purchase1
Unlimited 2% cash back
on every purchase.1
Earn up to 2% more cash back with a U.S. Bank Smartly Savings® account1
- Total of 2.5% cash back with a qualifying balance between $5,000 to $49,999
- Total of 3% cash back with a qualifying balance between $50,000 to $99,999
- Total of 4% cash back with a qualifying balance of $100,000 or more
These cash back rates can be obtained when rewards are redeemed into an eligible U.S. Bank deposit account.2
Earn more as you save more
Unlock higher rates and benefits when you pair your card with a U.S. Bank Smartly Savings account.
Annual Fee: $0
APR: 0% intro APR3 on purchases and balance transfers8 for the first 12 billing cycles. After that, a variable APR, currently 18.49% - 28.74%
Earn a bonus that has increased from $150 to $200 cash back.4
Annual Fee: $0
APR: 0% intro APR7 on purchases and balance transfers8 for the first 15 billing cycles. After that, a variable APR, currently 18.49% - 28.74%.
Earn 20,000 bonus points.9
4X points
on dining, takeout and restaurant delivery on your first $2,000 each quarter.10
2X points
at grocery stores^ and gas stations/EV charging stations^.
2X points
on streaming services.
1X point
on all other eligible purchases
Plus, a $15 credit for annual streaming service purchases.11
^ Excludes discount stores/supercenters and wholesale clubs
Annual Fee: $0
APR: 0% intro APR12 on purchases and balance transfers8 for the first 12 billing cycles. After that, a variable APR, currently 17.24% - 28.24%.
Get a low intro APR for 21 billing cycles.
Low intro APR
0% intro APR 13 on purchases and balance transfers8 for the first 21 billing cycles. After that, a variable APR, currently 17.74% - 28.74%.
View your credit score
anytime, anywhere in the mobile app or online banking. It's easy to enroll, easy to use and free to U.S. Bank customers.14
APR: 0% intro APR on purchases and balance transfers8 for the first 21 billing cycles.
Earn 20,000 bonus points.15
5X points
on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.16
4X points
on travel.
4X points
at gas stations and EV charging stations^ on your first $1,000 each quarter.
2X points
on dining, streaming services and at grocery stores^. 1X point on all other eligible purchases.
^ Excludes discount stores/supercenters and wholesale clubs
Annual Fee: $0
APR: 0% intro APR17 on balance transfers8 for the first 12 billing cycles. After that, a variable APR, currently 17.24% - 28.24%.
6% cash back
on your first $1,500 in combined eligible purchases each quarter with two retailers you choose.18
3% cash back
on your first $1,500 in eligible purchases on your choice of one everyday category.
1.5% cash back
on all other eligible purchases.
Annual Fee: $0 intro for the first year ($95/year thereafter).
APR: 18.74% - 28.74%
Build credit for tomorrow.21
Our credit-building cards let you spend just like you would with a traditional credit card. The main difference is you’ll need to make a refundable security deposit from $300 to $5,000, to set your credit limit. Spend within your limit and pay your bill when it’s due. Over time, this will help build your credit and you may be able to graduate to a traditional card.
Earn up to 4X points while building credit.21
4X points
on dining, takeout and restaurant delivery on your first $2,000 each quarter.22
2X points
at grocery stores^ and gas stations/EV charging stations^.
2X points
on streaming services
1X point
on all other eligible purchases.
Plus, a $15 credit for annual streaming service purchases.23
^ Excludes discount stores/supercenters and wholesale clubs
Annual Fee $0
Credit limit: $300 to $5,000
Enjoy no annual fee and credit-building benefits.21
View your credit score
anytime, anywhere in the mobile app or online banking. It's easy to enroll, easy to use and free to U.S. Bank customers.14
Choose your payment due date.
Everyone’s schedule is different. So it’s handy to be able to pick when your payment is due.24
Zero fraud liability
You are not responsible for unauthorized transactions if your card is ever lost or stolen.25
Annual Fee: $0
Credit limit: $300 to $5,000
Frequently asked questions
For cardmembers
Disclosures
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