Best U.S. Bank Credit Cards [March 2026]
15 active cards • Updated March 2026
All U.S. Bank Credit Cards Ranked
Showing all 15 active U.S. Bank cards. Annual fees range from $0 to $450 — 6 cards have no annual fee.
Card details are subject to change. Verify rates and fees with U.S. Bank before applying.
U.S. Bank Credit Cards Comparison
| Card | Annual Fee | Best Rate | Signup Bonus | Best For |
|---|---|---|---|---|
| Altitude Go | No fee | Up to 4x | $200 | General rewards |
| Skypass Select | $450/yr | Up to 3x | — | General rewards |
| Business Altitude Power | $195/yr | Up to 2x | — | General rewards |
| Skypass Business | $99/yr | Up to 3x | — | General rewards |
| Business Leverage | $95/yr | Up to 5x | — | General rewards |
| Skypass | $95/yr | Up to 2x | — | General rewards |
| Skypass Blue | $95/yr | Up to 2x | — | General rewards |
| Business Altitude Connect | $95/yr | Up to 4x | — | General rewards |
| Shopper Cash Rewards | $95/yr | Up to 6x | — | General rewards |
| FlexPerks Gold | $85/yr | Up to 3x | — | General rewards |
| Cash+ | No fee | Up to 2x | — | General rewards |
| Altitude Connect | No fee | Up to 4x | — | General rewards |
| Business Triple Cash Rewards | No fee | Up to 3x | — | General rewards |
| Smartly | No fee | Up to 3x | — | General rewards |
| Altitude Reserve | No fee | Up to 5x | — | General rewards |
How to Maximize U.S. Bank Rewards
- U.S. Bank Altitude Go earns 4x on dining with no annual fee.
- U.S. Bank Altitude Reserve earns 3x on travel and mobile wallet purchases.
- U.S. Bank cards are generally available to existing US Bank customers first.
Frequently Asked Questions
What is the best U.S. Bank credit card?
The best U.S. Bank card depends on your spending habits. Frequent travelers should look for bonus categories matching their spending; everyday spenders benefit most from flat-rate rewards.
How do I apply for a U.S. Bank credit card?
Visit U.S. Bank's official website or use the apply links above. Most applications return a decision within 60 seconds. You may need to call to reconsider a denial.
What credit score do I need for a U.S. Bank card?
Most U.S. Bank rewards cards require good to excellent credit (670+). Premium cards typically require 740+. No-annual-fee and secured cards may be available for lower scores.
Does U.S. Bank do a hard pull on my credit?
Yes. All credit card applications result in a hard inquiry which may temporarily lower your credit score by a few points.
How do I redeem U.S. Bank rewards?
Redeem through your card's online account or mobile app. Options include statement credits, direct deposit, travel bookings, gift cards, or transfers to partner programs depending on your card.