Best U.S. Bank Credit Cards Of April 2024

The U.S. Bank Altitude® Reserve Visa Infinite® Card* is U.S. Bank’s premium travel card, but it doesn’t offer the same level of flexibility as the top-tier travel cards issued by other banks.

Rewards: Earn 5 points per dollar on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 3 points per dollar on eligible travel purchases and mobile wallet spending and 1 point per dollar on all other eligible net purchases.

Welcome offer: Earn 50,000 points after spending $4,500 in the first 90 days of account opening.

Annual fee: $400

Other benefits and drawbacks: With the U.S. Bank Altitude® Reserve Visa Infinite® Card*, you’ll get access to Priority Pass lounges (eight free visits per year) and you won’t pay foreign transaction fees, so this card is worth considering if you aim to travel in comfort. And like the U.S. Bank Altitude® Connect Visa Signature® Card*, it also has an up to $100 Global Entry or TSA PreCheck statement credit every four years.

You can go a long way toward offsetting the annual fee on this card if you can fully utilize the annual credits, up to $325 on dining and travel purchases. If you’re on the go enough to consider getting this card for its robust travel benefits, hitting that mark shouldn’t be too hard to do.

If you’re looking for a U.S. Bank credit card that offers solid cash back without charging an annual fee, the U.S. Bank Cash+® Visa Signature® Card may be for you.

Rewards: Earn 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center, 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories of choice, 2% cash back on one everyday category such as gas stations, grocery stores or restaurants, and 1% cash back on all other eligible purchases.

Welcome offer: Earn $200 rewards bonus after spending $1,000 on eligible purchases within the first 120 days of account opening.

Annual fee: $0

Other benefits and drawbacks: The U.S. Bank Cash+® Visa Signature® Card comes with a 0% intro APR on purchases and balance transfers for 15 billing cycles, then a standard APR of 19.49% - 29.74% variable APR applies. A balance transfer fee of 3% ($5 minimum) applies and balances transferred must be completed within 60 days from account opening. As with other cards on this list, you’ll want to avoid the U.S. Bank Cash+® Visa Signature® Card if you often travel internationally, as it does charge a fee for foreign transactions.

The SKYPASS Select Visa Signature® Card* is a premium Korean Air travel card issued by U.S. Bank. Since it earns rewards in the form of Korean Air miles, the card could be a strong fit for those who frequently fly with the airline or its network of SkyTeam alliance partners. Even though it comes with a premium price tag, its plethora of travel perks does well to offset the fee.

Rewards: Earn 3 miles per dollar spent on Korean Air ticket purchases, 2 miles per dollar on airline tickets, car rentals, hotels, dining, including takeout and restaurant delivery and 1 mile per dollar on all other eligible purchases.

Welcome offer: Earn 60,000 bonus miles after spending $5,000 within the first 90 days of account opening.

Annual fee: $450

Other benefits and drawbacks: SKYPASS Select Visa Signature® Card* members receive both a $200 statement credit for travel purchases annually and up to a $100 credit toward a TSA PreCheck or Global Entry application fee. Korean Air loyalists will also enjoy the card’s 5% discount on Korean Air tickets twice yearly for you and a companion and two complimentary KAL Lounge coupons.

The U.S. Bank Shopper Cash Rewards® Visa Signature® Card* could be a great option if you want the ability to choose your own bonus categories each quarter and still earn a high rate of cash back on the rest of your purchases.

Rewards: Earn 6% cash back each quarter on combined eligible purchases from two retailers of choice ($1,500 limit), 5.5% cash back on prepaid car and hotel reservations booked through the Rewards Center, 3% cash back each quarter in one everyday category of choice ($1,500 limit) and 1.5% cash back on everything else.

Welcome offer: Earn $250 after spending $2,000 in eligible purchases within the first 120 days of account opening.

Annual fee: $0 intro annual fee for the first year, then $95

Other benefits and drawbacks: The U.S. Bank Shopper Cash Rewards® Visa Signature® Card* doesn’t offer much in the way of additional card benefits. Also, this card does charge a foreign transaction fee of 3% of each foreign transaction, so it’s not a good choice for purchases made abroad.

The U.S. Bank FlexPerks® Gold American Express® Card* is issued by U.S. Bank, but unlike the others on this list, it’s also an American Express card. That means you’ll get access to Amex Offers, which can help you save on purchases throughout the year.

Rewards: Earn 5 points per dollar on prepaid hotels and car rentals booked through the FlexPerks Rewards Center, 3 points per dollar on dining, takeout and restaurant delivery, 2 points per dollar at airlines and gas stations and 1 point per dollar on other eligible purchases.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $85

Other benefits and drawbacks: U.S. Bank FlexPerks® Gold American Express® Card* doesn’t charge foreign transaction fees and provides a statement credit for either your Global Entry or TSA PreCheck application fee, whichever you apply for first.

The U.S. Bank Altitude® Connect Visa Signature® Card* is our top pick for the best card U.S. Bank offers. It has a sizable welcome bonus and a $0 introductory annual fee for the first 12 months, after that $95. It also packs some other benefits you’d typically only see in cards with higher annual fees.

Rewards: Earn 5 points per dollar on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 4 points per dollar on travel and at gas stations through September 8, 2024, 2 points per dollar at grocery stores, dining and streaming services and 1 point per dollar on all other eligible purchases.

Welcome offer: Earn 50,000 bonus points after spending $2,000 in eligible purchases within the first 120 days of account opening.

Annual fee: $0 introductory annual fee for the first 12 months, after that $95

Other benefits and drawbacks: The U.S. Bank Altitude® Connect Visa Signature® Card* offers a complimentary Priority Pass Select Membership to receive up to four airport lounge visits per year. You also won’t pay foreign transaction fees with the card, and you can get up to $100 in statement credit for Global Entry or TSA PreCheck application fees every four years. The U.S. Bank Altitude® Connect Visa Signature® Card* also offers cellphone protection when you pay your bill with the card.

If you like these benefits, get this card before updates go into effect on September 9, 2024. The annual fee is going away, but so are some of the card’s top benefits, like cellphone protection, the streaming credit and more.

If you’re looking for a U.S. Bank card with a generous introductory APR offer, look no further than the U.S. Bank Visa® Platinum Card*. The card offers a 0% intro APR on purchases and balance transfers for 21 billing cycles, followed by a variable APR of 18.74% - 29.74%. A balance transfer of 5% of the amount of each transfer or $5 minimum, whichever is greater, applies.

Rewards: This card does not offer any rewards.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: The only notable extra perk offered by the U.S. Bank Visa® Platinum Card* is cellphone protection, when you pay your monthly bill with the card. This card does charge foreign transaction fees, so it’s not a good choice for travel outside of the U.S.

If you’re looking for a U.S. Bank travel rewards card that doesn’t charge an annual fee, the U.S. Bank Altitude® Go Visa Signature® Card* is an excellent choice.

Rewards: Earn 4 points per dollar on dining, takeout, and restaurant delivery, 2 points per dollar at grocery stores, grocery delivery, gas stations, streaming services and on EV charging stations (excluding discount stores, supercenters and wholesale clubs effective September 9, 2024) and 1 point per dollar on all other eligible purchases.

Welcome offer: Earn 20,000 bonus points after spending $1,000 in eligible purchases within the first 90 days of account opening.

Annual fee: $0

Other benefits and drawbacks: The U.S. Bank Altitude® Go Visa Signature® Card* offers a 0% intro APR on purchases and balance transfers for the first 12 billing cycles, followed by a regular variable APR of 18.24% - 29.24%. A balance transfer fee of 3% applies ($5 minimum). Cardholders also get a $15 annual credit for streaming service purchases.

Earning rewards on a secured credit card is not common, but the U.S. Bank Cash+® Secured Visa® Card* is an exception. This card can help you build credit with responsible use since it regularly reports your card status to the three major credit bureaus.

Rewards: Earn 5% cash back on the first $2,000 in combined eligible purchases each quarter in two categories of choice, 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center, 2% cash back on eligible purchases in choice of one everyday category (like gas stations, grocery stores and restaurants) and 1% cash back on all other eligible purchases.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: Like other secured cards, the U.S. Bank Cash+® Secured Visa® Card* does not offer a welcome bonus and requires a security deposit. However, if you build your credit over time, U.S. Bank may automatically upgrade you to the unsecured version of this card and refund your security deposit. Since this card earns rewards, it is a suitable option to keep after completing your goal of building credit.

Like the U.S. Bank Cash+® Secured Visa® Card*, the U.S. Bank Altitude® Go Secured Visa® Card* rewards cardholders for their purchases while building credit. Both cards operate the same way, requiring a security deposit that may eventually be refunded after a track record of responsible card use. Where the cards differ is with reward earnings structures, as the U.S. Bank Altitude Go Secured Visa is better suited for those who don’t want to be bothered with selecting bonus rewards categories.

Rewards: Earn 4 points per dollar spent on dining and takeout, 2 points per dollar spent at grocery stores (effect September 9, 2024 discount stores and wholesale clubs are excluded), gas stations and EV charging and on streaming services and 1 point per dollar on all other eligible purchases.

Welcome offer: This card does not have a welcome offer.

Annual fee: $0

Other benefits and drawbacks: A unique feature of the U.S. Bank Altitude® Go Secured Visa® Card* is its $15 streaming service credit, which could easily reimburse you for a full month of membership to your favorite music-listening app or television streaming provider. After demonstrating responsible use, the card also allows you to graduate to its unsecured version.