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Best US Bank Credit Cards

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by Sean Bryant | Updated Jun. 13, 2017
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Overview

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 US Bank Credit Card for Cash Back

More Details

  • You Choose Your Cash Back: 5% on your first $2,000 in eligible net purchases each quarter on the two categories you choose, 2% on one everyday category (like gas or groceries), 1% on all other eligible net purchases
  • New Cardmember bonus: $100 after you spend $500 in eligible net purchases in the first 90 days you have the card
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 14.74% - 23.74%
  • Unlimited cash back
  • No annual fee
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

0% for 12 billing cycles

Regular APR

14.74%-23.74% Variable

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.

With this card you will earn a $100 sign-up bonus after spending $500 within the first 90 days. You will also have the chance to pick two categories where you will be able to earn 5% cash back on up to $2,000 each quarter. Categories you can choose from might include cell phones, movie theaters, fast food and more.

In addition, you will also have the chance to earn bonus cash back on everyday purchases. You can choose either gas stations, restaurants or grocery stores to earn an unlimited 2% back. Any categories that you don’t select for bonus cash back, plus any other purchases, will earn 1% 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 12 billing cycles. After that the APR will change to the standard purchases APR of 14.74%-23.74% 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 on purchases each quarter.

Best US Bank Credit Card for Small Businesses

More Details

  • Earn three points per dollar on net purchases in one of three categories that you choose at time of application.*
  • One point per dollar on all other eligible net purchases.
  • Earn 10,000 bonus points after you spend $500 during the first 90 days after opening your account.
  • Unlimited points with no cap.

Annual Fee

$0

Purchase Intro APR

0% introductory APR on qualifying purchases for first 9 billing cycles

Balance Transfer Intro APR

N/A

Regular APR

12.74% - 18.74% Variable

Benefits

As a small business, it’s important to have flexibility so you can drive your business forward. Your credit card is one of those things that can help. It can give you the cash you need and some will even offer you rewards for purchases. One of these card is the U.S. Bank Business Edge™ Select Rewards Card card.

This card offers 10,000 points when you sign up and spend $500 within the first 90 days. You can also earn rewards based on the purchases you make most often for your business. You will be able to choose one of the following three groups to earn 3x points:

  • Day-to-day expenses like shipping, advertising, utilities, office supplies, telephone service and professional services.
  • Automotive expenses like gas, service, tires, tolls, dealerships, car washes and repairs.
  • Travel and entertainment expenses like airlines, car rentals, hotels, restaurants and travel agencies.

You will then receive 1x points on the two categories that you don’t select and on all other purchases. When you want to redeem the points that you have earned, there is some flexibility. You can choose to receive a statement credit, or you can choose gift cards, travel or merchandise.

Things to Consider

This card comes with an introductory 0% APR for 9 months on purchases. Once the introductory period is over the APR will change to 12.74% - 18.74% Variable. Unfortunately, if you were thinking about moving some existing business debt, the introductory APR offer is not on balance transfers as well.

Verdict

If you are looking for a solid small business credit card, the U.S. Bank Business Edge™ Select Rewards Card card is an excellent choice. Not only will you earn a generous sign-up bonus and rewards on purchases, but the card has no annual fee.

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.

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