The 4 best U.S. Bank credit cards of 2021

Group of friends walking their bikes and discussing the best U.S. Bank credit cardsImage: Group of friends walking their bikes and discussing the best U.S. Bank credit cards

Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted.
Advertiser Disclosure

We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.

Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.

This offer is no longer available on our site: U.S. Bank Cash+™ Visa Signature® Card

U.S. Bank has a variety of credit cards that compete with some of the best cards on the market, offering options for people interested in cash back, everyday spending, building credit and saving on interest.

Here’s a look at our picks for the best U.S. Bank credit cards.


Card Best for
U.S. Bank Cash+™ Visa Signature® Card Cash back
U.S. Bank Altitude® Go Visa Signature® Card Everyday spending
U.S. Bank Secured Visa® Card Building credit
U.S. Bank Visa® Platinum Card Low interest

Best for cash back: U.S. Bank Cash+™ Visa Signature® Card

Here’s why: The U.S. Bank Cash+™ Visa Signature® Card will spoil you with cash back.

You’ll start off with a $200 rewards bonus after spending $500 on eligible purchases during the first 90 days from account opening.

But what really makes this card interesting is that unlike many credit card issuers, you get to choose your own bonus categories. You could earn 5% cash back on up to $2,000 spent (then 1%) in combined purchases in two categories that you must choose and activate each quarter. Available categories include …

  • TV, Internet and streaming services
  • Home utilities
  • Ground transportation
  • Select clothing ctores
  • Cellphone providers
  • Electronics stores
  • Gyms/fitness centers
  • Fast food
  • Sporting goods stores
  • Department stores
  • Furniture stores
  • Movie theaters

Plus, you’ll get 2% cash back on purchases spent on one everyday category of your choice: restaurants, grocery stores or gas stations.

Then, you get 1% back on all other eligible purchases. To redeem your cash back, you can have the money deposited directly into a U.S. Bank checking or savings account, receive a statement credit or get a rewards card.

Not to mention, there’s no annual fee eating away at the cash back you earn.

To learn more, check out our review of the U.S. Bank Cash+™ Visa Signature® Card.

Best for everyday spending: U.S. Bank Altitude® Go Visa Signature® Card

Here’s why: The U.S. Bank Altitude® Go Visa Signature® Card has your everyday purchases covered.

You’ll earn a nice 20,000 bonus points (worth $200) after spending $1,000 during the first 90 days after account opening.

Plus, you’ll get rewarded for common purchases.

  • Four points for every $1 you spend on dining, takeout and food delivery
  • Two points per $1 on groceries, gas and streaming services
  • One point per $1 on all other purchases

Considering there’s no annual fee, it’s also cool that the card gives you a $15 statement credit after 11 months of streaming service purchases from Netflix, Spotify and others.

Find out more in our review of the U.S. Bank Altitude® Go Visa Signature® Card.

Best for building credit: U.S. Bank Secured Visa® Card

The U.S. Bank Secured Visa® Card has no annual fee, but requires you to put down a deposit from $300-$5,000 to establish your credit line and begin building your credit. If you’re approved for the card, your credit limit will match your deposit.

This no-frills card offers few features and no rewards, but you’ll get your TransUnion credit score for free when you enroll your U.S. Bank account in online banking. And you can set up automatic payments and pick a preferred due date, which can help you avoid late payment fees.

Get more details in our review of the U.S. Bank Secured Visa® Card.

Best for low interest: U.S. Bank Visa® Platinum Card

The U.S. Bank Visa® Platinum Card could be a good option for people looking to manage interest payments with no annual fee.

For a limited time, the U.S. Bank Visa® Platinum Card offers an introductory 0% APR for 20 billing cycles on purchases and balance transfers made within 60 days of account opening. After that, the APR on both increases to a variable 14.49% - 24.49%. That means you can make a new purchase and pay it off over 20 billing cycles without getting charged interest.

There’s also a balance transfer fee of 3% (minimum $5) to factor into your decision. If you’re not sure this card is right for you, try using our balance transfer calculator to see what you could save.

Our review of the U.S. Bank Visa® Platinum Card has more details.


How we picked these cards

When selecting the best U.S. Bank credit cards, we chose categories with broad audiences, like people who want to cut down their interest payments or who want travel rewards.

We also tried to focus on ease of use and the simplicity of earning and redeeming rewards.

How to make the most of U.S. Bank cards

To maximize the value of these U.S. Bank cards, it’s worth understanding what your card does best.

If you have a card made for building credit or lowering your interest payments, it’s best to focus on that specific goal — don’t get sucked into spending more than you can afford.

If you have a rewards card, it’s best to look into the specifics of your rewards program to see how to earn and redeem points. U.S. Bank has several different systems for rewards, and the specifics of each can vary.

Having a bank account with U.S. Bank can also be helpful if your card offers access to online banking and credit monitoring features.


About the author: Tim Devaney is a personal finance writer and credit card expert at Credit Karma. He’s a longtime journalist who prides himself on being a good storyteller who can explain complex information in an easily digestible wa… Read more.