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Best US Bank Credit Cards

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by Sean Bryant | Updated Oct. 3, 2017

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

More Details

  • Earn 30,000 enrollment Flexpoints after you spend $2,000 in eligible net purchases on your card within the first four months of account opening
  • Earn triple FlexPoints at restaurants
  • Earn double FlexPoints at airlines and gas stations
  • Earn 1 FlexPoint for every $1 spent on all other eligible net purchases
  • Travel on more than 150 airlines with no blackout dates or online redemption fees
  • TSA Precheck® or Global Entry - Enjoy an automatic statement credit reimbursement on the application fee for whichever program you apply for first
  • Get up to a $25 airline allowance with every award travel ticket good towards baggage fees, in-flight treats and more

Annual Fee

$85

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

15.24% - 25.24% variable

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 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.

Best US Bank Credit Card for Cash Back

More Details

  • New Cardmember bonus: $150 after you spend $500 in eligible net purchases in the first 90 days of account opening.
  • 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories your choose.
  • 2% cash back on your choice of one everyday category, like gas or groceries.
  • 1% cash back on all other eligible net purchases.
  • No limit on total cash back earned.
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 15.24% - 24.24%
  • 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

15.24%-24.24% 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.

You will also have the chance to pick two categories for the first year where you will be able to earn 5.5% cash back on up to $2,000 each quarter. After the first year, you will earn 5%. 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. Earn 2.5% cash back for the first year on your choice of one everyday category (i.e. gas or groceries). Thereafter, earn 2%. 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 15.24%-24.24% 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 5.5% back in categories you choose (up to the quarterly max) for the first year.

Best US Bank Credit Card for Small Businesses

More Details

  • Earn 20,000 bonus points after you spend $1,000 during the first 90 days after opening your account.
  • 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.
  • Unlimited points with no cap.

Annual Fee

$0

Purchase Intro APR

0% for 9 billing cycles

Balance Transfer Intro APR

N/A

Regular APR

13.24% - 24.24% 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 billing cycles on purchases. Once the introductory period is over the APR will change to 13.24% - 24.24% 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.

We maintain strict editorial integrity in our writing and assessments. This post contains links from our advertisers, and we may receive compensation when you click these links. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been provided, reviewed or otherwise endorsed by our advertising partners. Please visit our Advertiser Disclosure for more information and to view our partners.
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