US Bank Credit Cards Offer Something for Everyone

us bank credit cards

U.S. Bank was founded in 1863 as a regional bank in Ohio. It is now the fifth-largest bank in America and is well-known for offering a variety of credit cards to meet its customers’ needs. The bank offers a card to appeal to most everyone, including bikers, foodies, travel enthusiasts and cash rewards lovers. There are even two secured options for those who have bad credit.

The 5 Best

  • U.S. Bank Secured Visa®: Great for building credit
  • U.S. Bank Visa® Platinum Card: 0% APR for the first 20 months
  • U.S. Bank Altitude® Go Visa Signature® Card: Designed for foodies
  • Harley-Davidson® Visa® Secured Card: Available to those with bad credit
  • U.S. Bank Altitude® Reserve Visa Infinite® Card: Perfect for avid travelers

Our Recommendations

U.S. Bank Secured Visa® — Build Your Credit

The U.S. Bank Secured Visa® card helps those who want to build their credit with no annual fee and an APR of 18.99%. To apply for the card, send a cashier’s check between $300 and $5,000 with your application, which will be deposited into an interest-bearing U.S. Bank secured savings account. You select the payment due date that works best for you and have the option to set up automatic payments to ensure your monthly bill is paid on time.

U.S. Bank Visa® Platinum Card — Lengthy Intro 0% APR Offer

The U.S. Bank Visa® Platinum Card does not charge an annual fee and has a low starting APR of 13.99% for those with excellent credit. It is not a rewards card, but it does offer cell phone protection up to $600 for those cardholders who pay their cellular bill with the card. The welcome offer includes a lengthy 0% APR for the first 20 months that is good on purchases or balance transfers.

U.S. Bank Altitude® Go Visa Signature® Card — Extra Rewards for Diners

This no annual fee U.S. Bank credit card is made for foodies and has a low starting APR of 14.99%. It gives diners four times the rewards on all their restaurant purchases, including pick-up and delivery, along with double points for every dollar spent at grocery stores and gas stations. New cardholders receive 0% APR on balance transfers and purchases in their first year and 25,000 bonus points for spending $1,000 in their first 90 days.

Harley-Davidson® Visa® Secured Card — Builds Credit and Offers Rewards

This U.S. Bank credit card gives those with bad credit an opportunity to rebuild it again and earn rewards redeemable for Harley-Davidson® merchandise. Applicants pay a minimum deposit of $300 and are given a credit limit equal to their deposit. Cardholders may be moved up to an unsecured credit card after one year of responsible card management. This secured card stands out from the others because it doesn’t charge a one-time, monthly or annual fee.

U.S. Bank Altitude® Reserve Visa Infinite® Card — Rewards Travelers

Even though there is a $400 annual fee for the U.S. Bank Altitude® Reserve Visa Infinite® Card, the travel benefits and rewards make up for it. Hotel and car rental reservations made with the Altitude Rewards Center earn an extra five points in rewards, and all other travel purchases net an additional three times the points. Cardholders get up to $325 in reimbursements for eligible travel expenses and a free Priority Pass™ Select membership with access to 1,200 airport lounges. Those who spend $4,500 in eligible purchases within 90 days of opening their account receive 50,000 bonus points.

The Bottom Line

Whether you are an avid traveler, a foodie, a rewards junkie or need to rebuild your credit, you will find a U.S. Bank credit card to meet your needs.

Quick Questions

What U.S. Bank credit card can I get with bad credit?

U.S. Bank offers two secured cards to help you rebuild your credit: Harley Davidson® Visa® Secured Card and the U.S. Bank Secured Visa® card.

Which U.S. Bank credit card is the best for me?

 The best U.S. Bank credit card depends on what type of card you need. The bank offers various credit cards to choose from whether you want rewards, no fees, a low APR or need an opportunity to build your credit.

Which U.S. Bank credit card is the best for me?

Those with excellent credit should have no problem being approved for a U.S. Bank credit card. The bank does offer secured cards for those with no or bad credit, which offer a better chance at approval.

There are many credit card choices available today, and the tough part is choosing the right one for your needs. We are here to help you out with helpful resources at