Best U.S. Bancorp Credit Cards for 2024

When it comes to credit cards, finding the right card can make all the difference in maximizing your rewards, building credit, or saving money on interest. U.S. Bancorp has positioned itself as a leading provider of a wide variety of credit cards that cater to different consumer needs, from cash-back enthusiasts to luxury travelers, and even businesses.

For 2024, U.S. Bank offers a comprehensive lineup that’s designed to offer something for everyone.

In this guide, we’ll break down the best U.S. Bancorp credit cards for 2024, including their pros, cons, and key features. Whether you’re seeking a no-annual-fee card, looking to earn cash back, or searching for the perfect business credit card, you’ll find your ideal match here.

1. Best No-Annual-Fee Card: U.S. Bank Altitude® Go Visa Signature® Card

Why It’s the Best?

The U.S. Bank Altitude® Go Visa Signature® Card stands out for offering excellent rewards without an annual fee. It’s particularly appealing to those who love dining out, as it rewards users generously for restaurant purchases.

Notable Perks:

• 4X points on dining, including takeout and delivery services.
• 2X points on groceries, gas stations, and streaming services.
• 1X points on all other purchases.
• $15 annual streaming credit for purchases with popular services like Netflix, Spotify, and others.

Pros:

• Generous rewards rate for dining and food-related purchases.
• No annual fee, making it accessible to a wide range of users.
• The $15 streaming credit adds extra value for entertainment lovers.

Cons:

• Limited high-reward categories outside dining.
• Points value is maximized when redeemed for travel rather than other categories.

This card is an excellent choice for those who want strong rewards in key categories without worrying about an annual fee. It’s perfect for individuals who love dining out and want to rack up points in the process.

2. Best for Earning Cash Back: U.S. Bank Cash+® Visa Signature® Card

Why It’s the Best?

The U.S. Bank Cash+® Visa Signature® Card provides users with the unique ability to customize their cash-back categories, allowing you to maximize rewards where you spend the most. With no annual fee, this card is perfect for those seeking flexibility.

Notable Perks:

• 5% cash back on the first $2,000 spent each quarter in two categories of your choice.
• 2% cash back on one everyday category (like gas stations or grocery stores).
• 1% cash back on all other purchases.

Pros:

• Customizable cash-back categories allow users to tailor their rewards to their spending habits.
• No annual fee.
• Solid introductory APR offer for balance transfers.

Cons:

• The 5% cash-back category is limited to the first $2,000 per quarter.
• Requires you to select categories each quarter.

This US Bancorp Credit Card is perfect for anyone who wants flexibility and control over how they earn cash back. Its customization feature helps maximize rewards based on personal spending patterns.

3. Best for Occasional Travelers: U.S. Bank Altitude® Connect Visa Signature® Card

Why It’s the Best?

The U.S. Bank Altitude® Connect Visa Signature® Card offers solid travel rewards without the hefty annual fee that usually accompanies premium travel cards. This makes it ideal for travelers who don’t travel often enough to justify luxury cards but still want to earn decent rewards.

Notable Perks:

• 4X points on travel purchases, including hotels, car rentals, and airlines.
• 2X points on gas stations, EV charging stations, and groceries.
• 1X points on all other purchases.
• Up to $30 annual streaming service credit.

Pros:

• High rewards rate for travel without the premium annual fee.
• No foreign transaction fees, making it great for international trips.
• Rewards are easy to redeem for travel.

Cons:

• Points have lower redemption value outside of travel.
• Annual fee kicks in after the first year ($95).

If you’re someone who travels a few times a year and wants to earn rewards without paying for a high-end travel card, this is a perfect choice.

4. Best for Luxury Travelers: U.S. Bank Altitude® Reserve Visa Infinite® Card

Why It’s the Best

For luxury travelers, the U.S. Bank Altitude® Reserve Visa Infinite® Card offers premium travel benefits, including lounge access and high rewards for travel-related purchases. This card is geared towards those who travel frequently and want to enjoy the perks that come with a high-end card.

Notable Perks:

• 50,000 bonus points after spending $4,500 within the first 90 days.
• 3X points on travel purchases.
• $325 annual travel credit for eligible travel purchases.
• Complimentary Priority Pass™ Select membership for airport lounge access.

Pros:

• Generous rewards and travel perks, including airport lounge access.
• Large sign-up bonus.
• Annual travel credit helps offset the annual fee.

Cons:

• $400 annual fee (though offset by the $325 travel credit).
• Best suited for frequent travelers.

This US Bancorp Credit Card is ideal for travelers who want to experience luxury perks, such as lounge access and premium travel rewards, while also benefiting from significant travel credits.

5. Best 0% Intro APR Consumer Card: U.S. Bank Visa® Platinum Card

Why It’s the Best

The U.S. Bank Visa® Platinum Card is designed for consumers who need to pay down debt or finance large purchases. It offers one of the longest 0% APR periods, making it an excellent choice for balance transfers and large purchases.

Notable Perks:

• 0% intro APR on purchases and balance transfers for 18 billing cycles.
• No annual fee.

Pros:

• Exceptionally long 0% intro APR period.
• No annual fee.
• Ideal for consolidating debt or financing large purchases.

Cons:

• No rewards or cash-back features.
• High variable APR after the intro period.

This card is best suited for those looking to reduce their debt or finance significant purchases without interest. Its long 0% APR period gives users plenty of time to pay off balances.

6. Best Secured Card: U.S. Bank Altitude® Go Secured Visa® Card

Why It’s the Best

If you’re looking to build or rebuild your credit, the U.S. Bank Altitude® Go Secured Visa® Card is one of the best secured cards available. Unlike most secured cards, it offers valuable rewards, making it a solid choice for those starting their credit journey.

Notable Perks:

• 4X points on dining, takeout, and restaurant delivery services.
• 2X points on groceries, gas stations, and streaming services.
• 1X points on all other purchases.

Pros:

• Earns rewards while building credit.
• No annual fee.
• Credit limit determined by a refundable security deposit.

Cons:

• Limited to those who need to build or rebuild credit.
• Security deposit required.

For individuals seeking to build their credit while also earning rewards, this card is a fantastic option. It offers the perks of a rewards card while helping to improve credit scores.

7. Best Cash-Back Card for Building Credit: U.S. Bank Cash+® Secured Visa® Card

Why It’s the Best

The U.S. Bank Cash+® Secured Visa® Card offers the ability to earn cash-back rewards while building credit. Similar to its unsecured counterpart, this card lets users choose their cash-back categories for maximum earning potential.

Notable Perks:

• 5% cash back on the first $2,000 in combined purchases each quarter in two categories of your choice.
• 2% cash back on one everyday category.
• 1% cash back on all other purchases.

Pros:

• Allows cardholders to build credit while earning cash back.
• Customizable cash-back categories.
• No annual fee.

 

Cons:

• Requires a security deposit.
• The 5% cash-back limit applies only to the first $2,000 per quarter.

This is the ideal card for individuals with poor or limited credit who want to earn cash-back rewards while improving their credit standing.

8. Best No-Annual-Fee Business Card: U.S. Bank Triple Cash Rewards Visa® Business Card

Why It’s the Best

For small business owners looking for a no-annual-fee card that offers solid cash-back rewards, the U.S. Bank Triple Cash Rewards Visa® Business Card is a top pick. It provides great rewards across common business categories like office supplies and gas.

Notable Perks:

• 3% cash back on eligible purchases at gas stations, office supply stores, and restaurants.
• $100 annual software credit for eligible business software purchases.
• No annual fee.

Pros:

• No annual fee.
• High cash-back rate in key business categories.
• Software credit helps offset common business expenses.

Cons:

• Lower rewards rate outside the 3% categories.
• Best suited for businesses with specific spending categories.

This US Bancorp credit card is perfect for small business owners who want to earn significant rewards without paying an annual fee. It’s particularly valuable for businesses with high spending in office supplies and gas.

9. Best Cash-Back Business Card

U.S. Bank Business Leverage® Visa Signature® Card

Why It’s the Best

The U.S. Bank Business Leverage® Visa Signature® Card is an excellent option for businesses that want to earn cash back on a wide range of categories. It offers an automatic rewards boost on purchases in your top two categories each month.

Notable Perks:

• 2X points in the top two categories where your business spends the most each month.
• No limit to how many points you can earn.
• No annual fee for the first year.

Pros:

• Automatically rewards spending in top categories.
• No annual fee for the first year.
• Unlimited points earning potential.

Cons:

• Annual fee of $95 after the first year.
• Points redemption is primarily through travel.

This card is perfect for businesses with varied spending habits that want to earn rewards automatically on top spending categories.

10. Best 0% Intro APR Business Card: U.S. Bank Business Platinum Card

Why It’s the Best

The U.S. Bank Business Platinum Card offers one of the longest 0% intro APR periods, making it ideal for business owners looking to finance large purchases or consolidate business debt.

Notable Perks:

• 0% intro APR on purchases and balance transfers for 18 billing cycles.
• No annual fee.

Pros:

• Long 0% intro APR period.
• No annual fee.
• Perfect for managing business debt or financing large purchases.

 

Cons:

• No rewards or cash-back features.
• High variable APR after the intro period.

This card is ideal for businesses that need an extended interest-free period to pay down debt or manage cash flow.

11. Best for Shopping: U.S. Bank Shopper Cash Rewards™ Visa Signature® Card

Why It’s the Best

For frequent shoppers, the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card offers up to 6% cash back on purchases at your favorite retailers, making it one of the best cards for shopping rewards.

Notable Perks:

• 6% cash back on your first $1,500 in combined purchases each quarter at two retailers of your choice.
• 3% cash back on eligible purchases at gas stations, EV charging stations, and wholesale clubs.
• 1.5% cash back** on all other purchases.

Pros:

• High cash-back rates at your favorite retailers.
• Flexibility to choose retailers each quarter.
• No annual fee for the first year.

Cons:

• Annual fee of $95 after the first year.
• 6% cash-back category limited to the first $1,500 per quarter.

If you love shopping, this card is perfect for earning cash back at your favorite stores while still enjoying solid rewards in other categories.

12. Best for Corporations: U.S. Bank Commercial Rewards Card

Why It’s the Best

The U.S. Bank Commercial Rewards Card is designed for larger corporations and offers robust rewards tailored to corporate spending needs. It’s ideal for businesses that want to manage employee spending while earning rewards.

Notable Perks:

• Earn rewards on all purchases made by your business.
• Customizable expense tracking and reporting tools.
• No annual fee.

Pros:

• Earn rewards on all corporate spending.
• Useful expense tracking and reporting features.
• No annual fee.

Cons:

• Best suited for larger corporations with higher spending.
• Limited rewards categories.

This US Bancorp credit card is a great option for corporations that need to manage multiple employee cards while still earning rewards on every purchase.

To Wrap Things Up

U.S. Bank offers a versatile range of credit cards tailored to various financial needs. Whether you’re looking to earn rewards, enjoy travel perks, or manage business expenses, there’s a card that fits your goals.

For consumers who value flexibility, the U.S. Bank Cash+® Visa Signature® Card stands out for its customizable cash-back categories, while the U.S. Bank Altitude® Go Visa Signature® Card is ideal for those who prioritize dining and streaming rewards with no annual fee.

Frequent travelers will find luxury perks and travel benefits with the U.S. Bank Altitude® Reserve Visa Infinite® Card, while occasional travelers may prefer the balanced rewards of the U.S. Bank Altitude® Connect Visa Signature® Card.

Business owners can benefit from the U.S. Bank Triple Cash Rewards Visa® Business Card for essential business purchases, while the U.S. Bank Commercial Rewards Card provides a robust solution for larger corporations.

Choosing the right card depends on your spending habits and financial goals, so carefully assess each option to find the best fit.

Frequently Asked Questions (FAQs)