US Bank Reviews
Jun 20, 2016
If you're in a hurry, forget it!
fenderman1961
1 Contributions 3 People Helped

You'd think I'd have learned from my first miserable, 16-week experience, but NO!, I had to torture myself again. "3-4 weeks to close" they said. "Here's the list of docs you'll need" they said. Hah! 6 weeks of "Just one more doc", finger pointing between the branch and Income Verification, and now sitting in Underwriting for Week 2 with zero communication.

If you're in a hurry forget it. If you love to copy or scan dozens of pages of documents, and make all the follow-up calls, then this is the game for you! Nice people, but severely broken processes. Week 8 and still not closed, with no end in sight...

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Dec 21, 2016
never get a loan with them period
Anonymous

They don't care about you period want work with you at all I did and regret it if you having problems it cut and dry just horrible bank.

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Feb 14, 2017
Worst service I've ever had
Anonymous

Load agreements are fine, the servicer is terrible. Online routinely checks with random questions you fill out has harsh rules for password and locks you out after 3 tries. Paying online or over the phone costs 5 dollars or more

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Feb 08, 2017
Great Rewards, Service & No Foreign Fees
pg49392430
1 Contributions 0 People Helped

My wife and I have shared this card for the past 3 years and love it! It provides a generous credit limit, good customer service and online experience, no foreign fees and excellent rewards. Although you can redeem rewards for merchandise or cash back, we have found you can almost double the value of your rewards when using it to redeem for airfare/travel. We have redeemed almost $3,000 in rewards travel in the first 3 years and never paid a dime of interest! 

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Jul 18, 2016
rewards aren't really worth it
karinto
1 Contributions 1 Person Helped

1000 pts = $5 certificate for Kroger, which puts general purchases at 0.5% back, Kroger purchases at 1% back, and Kroger brand purchases at 1.5% back. They do send some nice coupons, but I don't know if that warrants applying for this mediocre rewards. There are better cards with 1.5% CASHback for general purchases with no annual fees.

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Dec 02, 2016
Bait & Switch
Anonymous

I was definitely skeptical about applying.  Don't apply.  You definitely don't want another ding on your credit report.

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Sep 18, 2016
Anonymous

Be careful about making payments over the phone. I made a payment before due date as I normally do...I tried to use my caRd at the end of the month and found out that Mt payment was not processed. I had to make another payment to use darn card..although it came out of my checking account...they claim they could not find the payment...member services sucks...did nothing for me..closing my account..

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Sep 06, 2016
Not worth it!
amcorreiagabel
1 Contributions 0 People Helped

This card will benefit folks who travel LAN frequently. Otherwise, it's not worth the $75 annual fee. 

I canceled my card two months after I paid the annual fee, and US Bank will not return the prorated fee. Other banks offer that. 

Also, the phone number listed on the back of the LANPASS card goes to LAN customer service that helps you purchase plane tickets. They have absolutely nothing to do with the credit card and were super rude (although I have to say it was pretty funny when Mr. Sassy at LAN called me "lady" for the 18th time during a 3 minute conversation). 

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