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Best US Bank Credit Cards

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by Sean Bryant | Updated Mar. 28, 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 Rewards

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  • Spend $2,000 in first 4 months of account opening and earn 30,000 bonus FlexPoints
  • 3X FlexPoints at restaurants
  • 2X FlexPoints at gas stations
  • 2X FlexPoints at airlines
  • 1X FlexPoints per $1 spent on all eligible net purchases

Annual Fee

$85

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

14.49% - 24.49% Variable

Best US Bank Credit Card for Cash Back

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  • Great Offer for U.S. Bank Customers.
  • Earn a new cardmember bonus of $100 after you spend $500 in net purchases on your card within the first 90 days of account opening.
  • 5% cash back on your first $2,000 in combined net purchases each quarter on two categories you choose*.
  • 2% cash back on your choice of one everyday category (like gas or groceries)*.
  • 1% cash back on your other everyday purchases*.
  • No limit on total cash back.
  • No annual fee*.
  • Subject to credit approval.

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

0% APR for 12 billing cycles

Regular APR

14.49% - 23.49% Variable

Best US Bank Credit Card for Small Businesses

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  • Earn a new cardmember bonus of $150 after you spend $500 in net purchases on your card within the first 90 days of account opening.
  • 3% cash back on all cellular, gas and office supply store net purchases
  • 1% cash back on all other net purchases
  • No cap on total rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee*
  • Net purchases are purchases minus credits and returns

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

12.49% - 18.49%

Our 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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