All U.S. Bank Credit Cards (15)
U.S. Bank offers one of the largest card lineups among regional banks, with 15 personal and business cards covering everything from the no-fee Altitude Go to the premium Altitude Reserve. US Bank's Altitude points transfer to several loyalty partners. The Korean Air co-branded cards (SKYPASS) are uniquely valuable for Star Alliance travel. The Smartly card (3% unlimited with qualifying account) is an underrated standout.
Application Rules & Restrictions
Understanding these issuer-specific rules helps you time applications strategically and maximize welcome bonus eligibility.
- 12-Month Rule: U.S. Bank typically requires 12 months between welcome bonus applications for the same card.
- Hard Pull: Primarily pulls Experian, sometimes TransUnion.
- Banking Relationship Matters: US Bank prioritizes existing customers for approval and premium products.
- Business Cards: US Bank has separate review criteria for business cards.
Frequently Asked Questions
What's the best U.S. Bank card for travel?
The U.S. Bank Altitude Connect ($0 first year, then $95) earns 4x on travel, dining, and streaming, plus cell phone protection. The Altitude Go (no fee) earns 4x on dining — one of the highest dining rates available with no annual fee.
Does U.S. Bank have transferable points?
U.S. Bank Altitude Reserve points can be redeemed through the Real-Time Rewards mobile app for travel at 1.5¢ each. Points don't transfer to airline/hotel programs in the traditional sense, but can be used at great value for travel purchases.
Is the U.S. Bank Smartly card good?
The Smartly card is exceptional for US Bank customers — earning 3% unlimited on everything with a qualifying US Bank account (or 2% without). For consumers who keep savings at US Bank, this can beat most other flat-rate cards.
Are U.S. Bank cards hard to get approved for?
US Bank tends to be strict on approvals and favors existing banking customers. Strong credit scores (720+) and an established relationship with US Bank improve approval odds significantly.
What co-branded cards does U.S. Bank offer?
U.S. Bank issues Korean Air SKYPASS cards (Gold, Select, Business) — excellent for Korean Air and Star Alliance redemptions. They also issue FlexPerks and various co-branded cards through partnerships.