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U.S. Bank Credit Cards

Sean Bryant
Updated on: 07/04/2017
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2017Most Flexible Rewards and Exclusively cards for U. S. Bank Customers

U.S. Bank is not as big as some other credit card issuers, but don’t let that fool you. They have a good lineup credit cards and a very solid rewards program called FlexPerks. Not only does U.S. Bank have cards that offer attractive sign-up bonuses, but they include some other great cardholder benefits as well. No matter if you’re looking for a credit card that can help you get a free flight or you just want to earn some cash back, U.S. Bank has something for you.

Rewards Credit Cards from U.S. Bank

Whether you’ve been collecting points and miles for years or you’re looking to pick up your first rewards card, there’s a U.S. Bank credit card to fit your needs. If you want the flexibility to use your credit card rewards to travel on multiple airlines and stay at different hotel chains, then the U.S. Bank FlexPerks Travel Rewards Visa Signature might be a great fit. However, if you are looking for a premium travel card that offers elite benefits like airport lounge access, Global Entry and a large sign-up bonus, then the U.S. Bank Altitude Reserve card might be a better fit.

U.S. Bank FlexPerks Credit Cards

4 cards

FlexPerks are ideal for anyone that wants to have flexibility with their travel rewards. They can be used to book travel with any airline, hotel or car rental company. FlexPerks credit cards will come with attractive sign-up bonuses and some even have no annual fee the first year.

Cashback Credit Cards

3 cards

If earning cash back is more your thing, then U.S. Bank has a few cards that would be perfect for your wallet. The U.S. Bank Cash+ Visa Signature card is one of the best cashback cards available. Not only will you earn a sign-up bonus, but you will also receive one of the highest purchase reward rates of any card currently on the market. Plus, every cashback card comes with no annual fee.

Airline Credit Cards

10 cards

U.S. Bank has quite a few airline credit cards available. None of these cards are for domestic airlines, but they are perfect if you’re looking to travel internationally. The Skypass Visa Signature card will give you a generous sign-up bonus as well as a couple of Korean Air lounge passes each year you are a card member.

Hotel Credit Cards

4 cards

U.S. Bank hotel credit cards might be some of issuer’s most popular and most recognized cards. Their long standing partnership with Club Carlson has made these cards a popular choice for many. With the Club Carlson Premier Rewards Visa Signature card you can earn a sign-up bonus that can be redeemed for up to nine free nights.

There are several U.S. Bank credit cards that offer cardholders a tremendous amount of value. Whether it’s the large sign-up bonus from the Altitude Reserve or the generous five percent cash back from the Cash+ Visa Signature, U.S. Bank rewards cards have a lot to offer. No matter if you’re looking to travel the world for free or just earn a little cash back on everyday purchases, there is a card for you.

Best Travel Credit Cards from U.S. Bank of 2017

FlexPerks® Travel Rewards Visa Signature® Card
How to Apply

To apply for this offer please contact
U.S. Bank

  • 20,000 bonus points after spending $2,000 in purchases within the first 4 months
  • No Foreign Transaction Fee
  • 3xPoints on Donations
  • 1xPoints on All Other Purchases
RATING: 50Points Card
U.S. Bank Altitude™ Reserve Visa Infinite® Card
How to Apply

To apply for this offer please contact
U.S. Bank

  • 50,000 bonus points after you spend $4,500 in the first 3 months.
  • No Foreign Transaction Fee
  • 3xPoints on Travel
  • 1xPoints on All Other Purchases
RATING: 65Points Card

Compare U.S. Bank Credit Cards

If you are looking to add a new credit card to your wallet, then U.S. Bank has a lot that they can offer. They have reward credit cards for every type of person. If you are looking for a card that can help you earn free hotel stays, then a card like the Club Carlson Rewards Visa Signature might be a great fit. However, if you’re looking for a card that can offer a variety of travel options when redeeming rewards, then you might consider the U.S. Bank FlexPerks Gold American Express card.

If you are more concerned with finding a credit card that doesn’t have an annual fee, then U.S. Bank has several options available. They even have a few that will waive the annual fee during the first year. Think of it as a way to try out the card before you need to pay.

Credit Card
Annual Fee
APR
Bonuses & Rewards
FlexPerks® Select+ American Express® Card

FlexPerks® Select+ American Express® Card

RATING: 56Points Card
Annual Fee
$0
APR
14.99% to 24.99% Variable±
Bonuses & Rewards
  • 10,000 bonus FlexPoints after you spend $1,000 in the first 4 months
  • 2% - for foreign transaction in $; 3% - in a Foreign Currency
  • 1xPoints on Travel
  • 1xPoints on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

More Details
Polaris® Visa® Credit Card

Polaris® Visa® Credit Card

Points Card
Annual Fee
$0
APR
14.99% to 23.99% Variable±
Bonuses & Rewards
  • 2% - for foreign transaction in $; 3% - in a Foreign Currency
  • 2xPoints at Polaris Dealerships
  • 1xPoints on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

Fred Meyer Rewards® Visa® Card

Fred Meyer Rewards® Visa® Card

Points Card
Annual Fee
$0
APR
14.99% to 24.99% Variable±
Bonuses & Rewards
  • 2.8% of each foreign transaction
  • 2xPoints at Fred Meyer stores
  • 1xPoints on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

SKYPASS Visa Signature® Card

SKYPASS Visa Signature® Card

SKYPASS
RATING: 52Miles Card
Annual Fee
$80
APR
13.99% to 20.99% Variable±
Bonuses & Rewards
  • 15,000 bonus miles after your first purchase
  • No Foreign Transaction Fee
  • 2xMiles on Korean Air Purchases
  • 1xMiles on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

More Details
U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®

U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®

Cash Back Card
Annual Fee
$0
APR
12.99% to 23.99% Variable±
Bonuses & Rewards
  • $200 cash back after you spend $1,000 in the first 90 days
  • 2% - for foreign transaction in $; 3% - in a Foreign Currency
  • %3% on Gas and Office Supply
  • %1% on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

Cash Back Card
Annual Fee
$0
APR
10.99% to 22.99% Variable±
Bonuses & Rewards
  • 2% - for foreign transaction in $; 3% - in a Foreign Currency
How to Apply

To apply for this offer please contact
U.S. Bank

Club Carlson℠ Business Rewards Visa® Card

Club Carlson℠ Business Rewards Visa® Card

Points Card
Annual Fee
$60
APR
14.99% to 23.99% Variable±
Bonuses & Rewards
  • Up to 85,000 bonus points - 50,000 points after your first purchase plus 35,000 points once you spend $2,500 within the first 90 days

  • 2% - for foreign transaction in $; 3% - in a Foreign Currency
  • 10xPoints on Carlson Rezidor Purchases
  • 5xMiles on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

SKYPASS Visa Classic® Card

SKYPASS Visa Classic® Card

SKYPASS
Miles Card
Annual Fee
$50
APR
13.99% to 20.99% Variable±
Bonuses & Rewards
  • 5,000 bonus miles after your first purchase
  • 2% - for foreign transaction in $; 3% - in a Foreign Currency
  • 1xMiles on Korean Air Purchases
  • 1xMiles on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

Club Carlson℠ Rewards Visa® Card

Club Carlson℠ Rewards Visa® Card

Points Card
Annual Fee
$0
APR
23.99% Variable±
Bonuses & Rewards
  • 30,000 bonus points after spending $1,000 in purchases within the first 90 days
  • 2% - for foreign transaction in $; 3% - in a Foreign Currency
  • 3xPoints on Carlson Rezidor Purchases
  • 1xPoints on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

FlexPerks® Business Edge™ Travel Rewards Card

FlexPerks® Business Edge™ Travel Rewards Card

Points Card
Annual Fee
$0 first year, then $55
APR
12.99% to 23.99% Variable±
Bonuses & Rewards
  • 20,000 bonus FlexPoints after you spend $2,000 in the first 4 months
  • No Foreign Transaction Fee
  • 2xPoints on Gas, Airfare, Office Supply and at Cell Phone Service providers
  • 1xPoints on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

Club Carlson℠ Premier Rewards Visa Signature® Card

Club Carlson℠ Premier Rewards Visa Signature® Card

Points Card
Annual Fee
$75
APR
14.99% to 23.99% Variable±
Bonuses & Rewards
  • 85,000 bonus points after spending $2,500 in purchases within the first 90 days
  • 2% - for foreign transaction in $; 3% - in a Foreign Currency
  • 10xPoints on Carlson Rezidor Purchases
  • 5xPoints on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

Harley-Davidson® Visa Signature® Card

Harley-Davidson® Visa Signature® Card

Points Card
Annual Fee
$0
APR
14.99% to 23.99% Variable±
Bonuses & Rewards
  • 2% - for foreign transaction in $; 3% - in a Foreign Currency
  • 3xPoints at Harley-Davidson® dealerships
  • 1xPoints on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

Harley-Davidson® Visa® Secured Card

Harley-Davidson® Visa® Secured Card

Points Card
Annual Fee
$0
APR
23.99% Variable±
Bonuses & Rewards
  • 2% - for foreign transaction in $; 3% - in a Foreign Currency
  • 1xPoints on Travel
  • 1xPoints on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

1-2-3 REWARDS® Visa® Card

1-2-3 REWARDS® Visa® Card

Points Card
Annual Fee
$0
APR
14.99% to 24.99% Variable±
Bonuses & Rewards
  • 2.8% of each foreign transaction
  • 3xPoints on the Kroger family of quality brands
  • 1xPoints on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

U.S. Bank Business Edge™ Select Rewards Card

U.S. Bank Business Edge™ Select Rewards Card

Points Card
Annual Fee
$0
APR
12.99% to 23.99% Variable±
Bonuses & Rewards
  • 10,000 bonus points after you spend $500 in the first 3 months.
  • 2% - for foreign transaction in $; 3% - in a Foreign Currency
  • 3xPoints on purchases in one of three categories that you choose: Day-to-day Expenses, Automotive Expenses and on Travel and Entertainment
  • 1xPoints on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

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

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

Cash Back Card
Annual Fee
$0
APR
14.99% to 23.99% Variable±
Bonuses & Rewards
  • 2% - for foreign transaction in $; 3% - in a Foreign Currency
  • %2% on Travel
  • %2% on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

SkyBlue SKYPASS Visa® Card

SkyBlue SKYPASS Visa® Card

SKYPASS
Miles Card
Annual Fee
$0
APR
13.99% to 20.99% Variable±
Bonuses & Rewards
  • 5,000 bonus miles after your first purchase
  • 2% - for foreign transaction in $; 3% - in a Foreign Currency
  • 0.5XMiles on Korean Air Purchases
  • 0.5XMiles on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

SKYPASS Visa® Business Card

SKYPASS Visa® Business Card

SKYPASS
Miles Card
Annual Fee
$75
APR
13.99% to 20.99% Variable±
Bonuses & Rewards
  • 10,000 bonus miles after your first purchase
  • No Foreign Transaction Fee
  • 2xMiles on Korean Air Purchases
  • 1xMiles on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

FlexPerks® Travel Rewards Visa Signature® Card

FlexPerks® Travel Rewards Visa Signature® Card

RATING: 50Points Card
Annual Fee
$0 first year, then $49
APR
14.99% to 24.99% Variable±
Bonuses & Rewards
  • 20,000 bonus points after spending $2,000 in purchases within the first 4 months
  • No Foreign Transaction Fee
  • 3xPoints on Donations
  • 1xPoints on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

More Details
FlexPerks® Gold American Express® Card

FlexPerks® Gold American Express® Card

Points Card
Annual Fee
$85
APR
14.99% to 24.99% Variable±
Bonuses & Rewards
  • 30,000 bonus FlexPoints after you spend $2,000 in the first 4 months
  • No Foreign Transaction Fee
  • 3xPoints on Dining
  • 1xPoints on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

U.S. Bank Cash+™ Visa Signature® Card

U.S. Bank Cash+™ Visa Signature® Card

Cash Back Card
Annual Fee
$0
APR
14.99% to 23.99% Variable±
Bonuses & Rewards
  • 2% - for foreign transaction in $; 3% - in a Foreign Currency
  • %5.5% on one of the following categories that you choose: Car Rental, Fitness Centers, Department Stores, Movie Theaters, Fast Food, and Ground Transportation
  • %1.5% on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

SKYPASS Visa® Secured Card

SKYPASS Visa® Secured Card

SKYPASS
Miles Card
Annual Fee
$50
APR
17.24% Variable±
Bonuses & Rewards
  • 5,000 bonus miles after your first purchase
  • 2% - for foreign transaction in $; 3% - in a Foreign Currency
  • 1xMiles on Korean Air Purchases
  • 1xMiles on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

U.S. Bank Altitude™ Reserve Visa Infinite® Card

U.S. Bank Altitude™ Reserve Visa Infinite® Card

RATING: 65Points Card
Annual Fee
$400
APR
16.74% Variable±
Bonuses & Rewards
  • 50,000 bonus points after you spend $4,500 in the first 3 months.
  • No Foreign Transaction Fee
  • 3xPoints on Travel
  • 1xPoints on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

More Details
Club Carlson℠ Rewards Visa Signature® Card

Club Carlson℠ Rewards Visa Signature® Card

Points Card
Annual Fee
$50
APR
14.99% to 23.99% Variable±
Bonuses & Rewards
  • 60,000 bonus points after spending $1,500 in purchases within the first 90 days
  • 2% - for foreign transaction in $; 3% - in a Foreign Currency
  • 6xPoints on Carlson Rezidor Purchases
  • 3xPoints on All Other Purchases
How to Apply

To apply for this offer please contact
U.S. Bank

U.S. Bank FlexPerks Rewards Program

The U.S. Bank FlexPerks rewards program is perfect for anyone looking to supplement other travel rewards they earn. It’s also ideal for first time reward travelers. Instead of being required to choose just one loyalty program, you can use your rewards to book with any airline, hotel or rental car company.

Currently the number of points required for redemption depends on the price of the hotel, airfare or car rental. For example, any airline ticket that costs up to $400 would be 20,000 points, and a ticket between $401 and $600 would cost 30,000 points. That means you can receive a value as high as two cents per point.

Something else that many card members enjoy is that each time you book a flight using FlexPoints, you will receive a $25 airline allowance. This could be used to cover baggage fees, in-flight food and beverage purchases, or an airport lounge pass.

Starting December 31, 2017 the FlexPerks program is going to change. To make it a little simpler, they are planning to eliminate the variable reward system. Instead, you will be able to redeem points for a flat 1.5 cents each. That means if you book a $300 flight, it will cost 20,000 FlexPoints.

How to Use U.S. Bank FlexPoints

When you are ready to start cashing in your balance of U.S. Bank FlexPerks rewards, there are several options available. The most popular and most valuable way to use points is for airfare, hotels, car rentals or cruises. Right now these redemptions offer up to two cents of value per point (after December 31, 2017 the value will change to 1.5 cents per point). In addition to travel, you can also redeem for merchandise, gift cards and statement credits.

When you are ready to book travel, start by logging into your U.S. Bank account. Under your rewards page you will see an option for redeeming points for travel. This will load the U.S. Bank travel booking platform. Search for the flight, hotel, rental car or cruise that you are interested in and you’ll see the points that are required to book. From there you would fill out the personal information needed to complete the reservation.

Rewards Value

Redeem Points/Miles for:
Airfare, hotels, car rentals, cruises, merchandise, gift cards, statement credits
Value of Points Redeemed Through FlexPerks Rewards Program:
Variable, but typically between 1.5 and 2 cents

U.S. Bank

U.S. Bank Credit Cards Benefits

Credit cards can be extremely valuable tools to have in your wallet. Not only do they allow you to earn different types of rewards, but they have many other benefits as well. Some of these benefits can keep you protected when you travel, and others are great to have when shopping. Most benefits will be determined by the card you have. That means it’s important to look a little deeper than just finding out what the sign-up bonus might be and what kind of rewards you will earn for each purchase. Look and see if the U.S. Bank card is a Visa Signature, World Elite MasterCard or an American Express. This will determine the benefits that come with the card.

Worldwide Car Rental Insurance

When you rent a car using a U.S. Bank credit card, you will receive car rental insurance. It’s important to make sure you decline the coverage you will be offered through the rental company. With this benefit you will receive secondary insurance, which means you will need to file a claim with your primary insurance company and then your credit card will pay any additional out-of-pocket expenses.

Lost Luggage Insurance

When you book travel using your U.S. Bank credit card, you will receive several travel benefits. One of them is lost luggage insurance. Occasionally airlines will lose luggage. If that happens, you will receive compensation for the inconvenience.

Retail Purchase Protection

If you purchase something that is either stolen or damaged within the first 90 days, you can receive compensation from your U.S. Bank credit card. The benefit amount varies by card type, but is usually around $500 per claim.

24/7 Concierge Service

If you are short on time but need help getting a dinner reservation or tickets for an event, then a handy benefit to have is concierge service. Someone will be available 24 hours a day, 7 days a week to help when need it.

Luxury Hotel Collection

A popular benefit for those with a U.S. Bank Visa Signature card is the Luxury Hotel Collection. This benefit will give you access to automatic room upgrades when available, complimentary Wi-Fi, free continental breakfast, a $25 food and beverage credit and more.

Zero Fraud Liability

With zero fraud liability you will be able to rest easy knowing that you are safe from fraudulent activities on your U.S Bank credit cards.

U.S. Bank Online Banking

With online banking from U.S. Bank you will have easy access to all your account information. You will have the ability to check your account balance, make one-time or recurring payments, set up customized email or text alerts, and even redeem your credit card rewards.

Mobile Banking

Mobile banking from U.S. Bank brings everything to your fingertips. Logging into your account can be as simple as a fingerprint if you have an Apple iPhone. Once you’ve logged into your account you can check your credit card balance, view statements and even make a payment. In addition to these features, you can also deposit checks into any U.S. Bank checking or savings account. You can even transfer money to friends and family with Zelle.

U.S. Bank Fraud Protection

Your security is important to U.S. Bank. They are always monitoring accounts for suspicious activities. If something is spotted on your account, a U.S. Bank fraud prevention team member will reach out to verify transactions. U.S. Bank also helps fight fraud by limiting online and mobile access during periods of inactivity. If you are inactive on your mobile phone for more than five minutes, you will be logged out of your account. This helps protect your account information if your phone falls into the wrong hands.

How to Report Suspected Fraud

It’s important to keep a close eye on all your accounts to make sure you don’t notice any suspicious activities. If you do notice something that seems off, you should call the U.S. Bank Fraud Liaison Center at 877-595-6256.

RewardExpert’s Best U.S. Bank Credit Cards

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FAQs

Need more info? Check out our frequently asked questions. If you have other questions, don't hesitate to leave a comment below.

  • Yes, there are several U.S. Bank credit cards that waive the annual fee for the first year of card membership. There are also a few cards that have no annual fee every year.

    Some of these cards include: U.S. Bank Business Edge™ Select Rewards Card, U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®, SkyBlue SKYPASS Visa® Card, U.S. Bank Cash 365™ American Express® Card, U.S. Bank Cash+™ Visa Signature® Card, FlexPerks® Select+ American Express® Card and Club Carlson℠ Rewards Visa® Card.

  • It is recommended that applicants have either a good or excellent credit score before applying for most U.S. Bank credit cards. Something like the U.S. Bank Secured Visa card would be an exception. Because it’s a secured card, it allows applicants to have a much lower credit score for approval.
  • While there is no written limit to the number of credit cards you can have with U.S Bank, their cards are among the toughest to get approved for. That said, it will be easier to get approval for your first card compared to your fifth card.
  • Yes, if you don’t use your FlexPoints, they will expire at the end of the calendar quarter five years from when they were earned. Keep in mind that FlexPoints are redeemed on a first in, first out basis.

  • U.S. Bank has several credit cards focused on earning cash back. The U.S. Bank Cash 365™ American Express® Card will allow you to earn 1.5 percent cash back on every purchase. The U.S. Bank Cash+™ Visa Signature® Card will award up to five percent cash back on select purchases.

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