Overview of the Best US Bank Credit Cards
US Bank is among the largest banks in the United States. It also has a very diverse lineup of credit cards, offering consumers with a mixture of cash back and travel reward options. In addition to having its own Flexperks rewards program, US Bank cards also have several co-branded partners including LAN, AeroMexico, Korean Air, and Carlson Hotels. To help make your selection process a little easier, we have gone through and graded each card. We have then taken these grades and compiled a list of the best US Bank credit cards based on consumer spending and the types of rewards that are preferred. See More
| Best for | Category Winner | Annual Fee | First Year Rewards | |
|---|---|---|---|---|
 | Cash back | U.S. Bank Cash+ Visa Signature Card | $0 | $460 |
 | Rewards | U.S. Bank FlexPerks Gold American Express Card | $85 | $490 |
Best US Bank Credit Card for Cash Back
U.S. Bank Cash+ Visa Signature Card
Benefits
If you are looking for a cash back card, there are a lot of choice available. Issuers are being aggressive with their benefits to try and persuade new customers. One of the best US Bank cards for cash back is the U.S. Bank Cash+ Visa Signature Card.
You will also have the chance to pick two categories where you will be able to earn 5% cash back in combined purchases up to $2,000 each quarter. Categories you can choose from might include cell phone providers, movie theaters, fast food and more. You also earn 5% for car rental, hotel and prepaid air reservations if you book directly in the rewards travel center.
In addition, you will also have the chance to earn bonus cash back on everyday purchases. Earn 2% cash back for your choice of one everyday category (i.e. gas or groceries). Any other eligible purchases, will earn 1% cash back.
Things to Consider
It’s important that every quarter you make your choices for the bonus cash back categories. If you don’t, you will automatically receive the standard 1% back on all purchases.
If you need to transfer an existing balance from another card, you can do so within the first 60 days, and have 0% APR for 15 billing cycles. After that the APR will change to the standard purchases APR of 15.99% - 25.99% Variable.
Verdict
If you are looking for a solid cash back card, then the U.S. Bank Cash+ Visa Signature Card should receive solid consideration. Not only does it have no annual fee, but you will earn up to 5% back in categories you choose (up to the quarterly max).
- Earn 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose
- Introductory 0% APR for 15 billing cycles on balance transfers; 15.99% - 25.99% Variable thereafter
- No annual fee
- Cardholders must opt into bonus categories each quarter
- 5% pick two bonus category limited to $2,000 each quarter
More Details
- If you spend $1,000 in eligible net purchases in the first 120 days from account opening, you will earn a $200 bonus
- Earn 5% cash back on the first $2,000 in combined eligible net purchases each quarter on two categories that you choose
- Earn 5% cash back for car rental, hotel and prepaid air reservations booked directly in the Rewards Travel Center
- Earn 2% cash back in your choice of 1 everyday category, like grocery stores, restaurants, EV charging stations or gas stations
- Earn 1% cash back on all other eligible purchases with your card
- 0% Intro APR balance transfers for the first 15 billing cycles. Afterwards, a variable APR currently 15.99% - 25.99% depending on creditworthiness
- There is no annual fee
- Terms and conditions apply
Annual Fee
$0Purchase Intro APR
0% for 15 billing cyclesBalance Transfer Intro APR
0% for 15 billing cyclesRegular APR
15.99% - 25.99% VariableBenefits
If you are looking for a cash back card, there are a lot of choice available. Issuers are being aggressive with their benefits to try and persuade new customers. One of the best US Bank cards for cash back is the U.S. Bank Cash+ Visa Signature Card.
You will also have the chance to pick two categories where you will be able to earn 5% cash back in combined purchases up to $2,000 each quarter. Categories you can choose from might include cell phone providers, movie theaters, fast food and more. You also earn 5% for car rental, hotel and prepaid air reservations if you book directly in the rewards travel center.
In addition, you will also have the chance to earn bonus cash back on everyday purchases. Earn 2% cash back for your choice of one everyday category (i.e. gas or groceries). Any other eligible purchases, will earn 1% cash back.
Things to Consider
It’s important that every quarter you make your choices for the bonus cash back categories. If you don’t, you will automatically receive the standard 1% back on all purchases.
If you need to transfer an existing balance from another card, you can do so within the first 60 days, and have 0% APR for 15 billing cycles. After that the APR will change to the standard purchases APR of 15.99% - 25.99% Variable.
Verdict
If you are looking for a solid cash back card, then the U.S. Bank Cash+ Visa Signature Card should receive solid consideration. Not only does it have no annual fee, but you will earn up to 5% back in categories you choose (up to the quarterly max).
Best US Bank Credit Card for Rewards
U.S. Bank FlexPerks Gold American Express Card
Benefits
If you are looking for a solid rewards credit card, then a great option is the U.S. Bank FlexPerks Gold American Express Card.
Where this card starts to get exciting is with the earnings potential on purchases you make every day. You will earn earn 5x FlexPoints on prepaid hotels and car rentals, 3x FlexPoints at restaurants, 2x FlexPoints at gas stations and with airlines and 1x FlexPoints on all other purchases.
You will also receive a one-time credit to cover the application fee of either Global Entry or TSA Precheck®. Plus, each time you redeem points for airfare, you will receive a $25 airline allowance that can be used for baggage fees, in-flight meals and more.
Things to Consider
When you want to redeem your points, you have a lot of options available. You can choose cash or gift cards, but the redemption rate will just be 1 cent per points. The card comes with an annual fee of $85, but you can use 5,000 points to cover this. That would be a value of 1.7 cents per point. Another redemption option is for travel. You can use your points on hotels at up to 1.5 cents each, car rentals for up to 1.25 cents each and airfare at up to 2 cents each.
Verdict
Even though the U.S. Bank FlexPerks Gold American Express Card has an annual fee, it is a great card for anyone looking to earn rewards on the purchases they make each day.
- No foreign transaction fees
- $25 airline allowance when FlexPoints are used to book flight
- Statement credit for Global Entry or TSA Precheck®
- $85 annual fee
More Details
- Earn 30,000 points when you spend $2,000 in net purchases in the first 4 months of account opening. That is worth $450 in travel!
- Earn 5 FlexPoints on prepaid hotels and car rentals, 3 FlexPoints at restaurants, 2 FlexPoints at gas stations and at airlines, and 1 FlexPoint spent on all other eligible net purchases
- Redeem your points for cash back, merchandise, gift cards and travel on over 150 airlines with no blackout dates
- Get up to a $25 airline allowance with every award travel ticket good towards baggage fees, in-flight beverages or snacks
- TSA Precheck® or Global Entry automatic statement credit reimbursement on the application fee for whichever program you apply for first
Annual Fee
$85Purchase Intro APR
N/ABalance Transfer Intro APR
N/ARegular APR
15.24% - 25.24% VariableBenefits
If you are looking for a solid rewards credit card, then a great option is the U.S. Bank FlexPerks Gold American Express Card.
Where this card starts to get exciting is with the earnings potential on purchases you make every day. You will earn earn 5x FlexPoints on prepaid hotels and car rentals, 3x FlexPoints at restaurants, 2x FlexPoints at gas stations and with airlines and 1x FlexPoints on all other purchases.
You will also receive a one-time credit to cover the application fee of either Global Entry or TSA Precheck®. Plus, each time you redeem points for airfare, you will receive a $25 airline allowance that can be used for baggage fees, in-flight meals and more.
Things to Consider
When you want to redeem your points, you have a lot of options available. You can choose cash or gift cards, but the redemption rate will just be 1 cent per points. The card comes with an annual fee of $85, but you can use 5,000 points to cover this. That would be a value of 1.7 cents per point. Another redemption option is for travel. You can use your points on hotels at up to 1.5 cents each, car rentals for up to 1.25 cents each and airfare at up to 2 cents each.
Verdict
Even though the U.S. Bank FlexPerks Gold American Express Card has an annual fee, it is a great card for anyone looking to earn rewards on the purchases they make each day.
Methodology SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing cash back credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.
