Best US Bank credit cards

Choosing the right credit card means finding one that fits your financial goals and spending habits — are you a student just starting to build credit? A regular credit user looking for great cash back options? Or an avid traveler that wants to earn reward points on every flight and hotel stay?

Whatever the case, US Bank offers a variety of cards to meet your needs and help achieve your goals, each with its unique perks and benefits. The key is choosing the best fit for your wallet and your lifestyle. 

Our team has compiled the list below of the best US Bank credit cards. 

Best US Bank card for avid travelers: US Bank Altitude Reserve Visa Infinite Card

Why it’s the best

The US Bank Altitude Reserve Visa Infinite Card makes it easy to earn travel reward points with 3x points for each dollar spent on travel purchases. You also earn 3x points for any purchases made with your mobile wallet — this includes Apple Pay, Google Pay and Samsung Pay. Points are redeemable for statement credit on travel purchases at 1.5 cents per point. You can also redeem points for merchandise or gift cards in real-time using your smartphone at one cent per point. Worth noting? This card includes a $400 annual fee.

If you’re an avid traveler, this card offers great earning potential — but you’ll need to do some legwork to make sure you maximize travel purchases and mobile wallet spending to get the most from this card. With complimentary lounge access in more than 1,200 locations and discounted car service across 110 countries, this card can shorten the time until your next trip.

Bonus points:

• Earn 50,000 bonus points when you spend $4,500 in the first 90 days after account opening to help you get where you’re going faster.
• Receive up to $325 in statement credits per year on travel purchases, helping you reduce the cost of doing what you love.

Best US Bank credit card for quality cash back: US Bank Cash+™ Visa Signature Card

U.S. Bank Cash+™ Visa Signature® Card

Earn up to $550 cash back in the first year.

Why it’s the best

The US Bank Cash+ Visa Signature Card lets you earn cash back on your terms. Get 1% cash back on everyday purchases, 2% cash back in one category of your choice — gas stations, grocery stores or restaurants — and select two categories each quarter that earn 5% cash back. While you’ll earn some cash back on just about everything, getting the most from this card means knowing where and when you spend to select the right bonus categories each quarter.

Bonus points:

• Earn a $150 cash back bonus when you spend $500 within the first 90 days of opening to help jump-start your savings.
• Get cash back your way with direct statement credit, direct deposit into your US Bank account or a rewards card of your choice.

Best US Bank credit card for simple cash back: US Bank Cash 365 American Express Card

U.S. Bank Cash 365™ American Express® Card

New Cardmember bonus: $150 after you spend $500 in eligible net purchases in the first 90 days of account opening.

Why it’s the best

Want to simplify your cash back earning? Go with the US Bank Cash 365 American Express Card. You get 1.5% cash back on all eligible purchases with no categories to select or spending limits to watch. Plus, there’s no annual fee and 0% APR on balance transfers for the first 12 billing cycles.

Bonus points: 

• Earn $150 in bonus cash back after you spend $500 in the first 90 days after account opening to start you off on the right foot.
• The best value guarantee — Get reimbursed for the price difference if you can find items purchased on your card at a lower price within 30 days of purchase.

Best US Bank credit card for low-interest rate: US Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 13.99% – 24.99%.

Why it’s the best

This card is all about zero. For the first 18 billing cycles, you enjoy 0% APR on all purchases and balance transfers, making it easier to handle unforeseen costs, make big purchases or manage your debt. After the first 18 cycles, APR ranges from 13.99%-24.99%.

Bonus points:

• The annual fee for this card is also zero, helping save you even more money.
• AutoPay — Set up automatic payments to make sure you pay off your 0% purchases and balance transfers before the introductory offer expires, and avoid those pesky late fees.

Best US Bank credit card for occasional travelers: US Bank FlexPerks Travel Reward Visa Signature Card

U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card

Earn 25,000 enrollment FlexPoints worth $375 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases on your card within the first four months of account opening.

Why it’s the best

If you enjoy traveling occasionally but don’t feel like shelling out $400 per year for your credit card, consider the US Bank FlexPerks Travel Reward Signature Card. You get 1x points on everyday spending and 2x points on charitable donations, most cell phone providers, gas stations and grocery stores. This makes it easy to earn rewards for simply living your life, and you can use those rewards to get away more often.

Bonus points:

• Get 25,000 FlexPoints — worth $375 on travel purchases — when you spend $2,000 in the first four months after opening an account.
• Treat yourself when you travel with up to $25 reimbursement per round-trip air travel on baggage fees or in-flight food and drinks. 

Best US Bank credit card for building credit: US Bank Secured Visa Card

Why it’s the best

Looking to build credit? Try the US Bank Secured Visa Card. Deposit your checking or savings account and get a matching credit limit. Choose your payment due date to make sure you’ve always got funds available and get your credit back on track. 

Bonus points:

• Enjoy free TransUnion credit scores to help track your credit building process and see your progress.
• Set up AutoPay to make sure your payments are always on time — and avoid costly late fees.