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U.S. Bank Credit Cards

Review and compare the best U.S. Bank credit cards for your credit score here. When available, see the average and lowest credit scores approved for each credit card (a “0″ means we don’t yet have enough credit score approval data for that card.)

U.S. Bank Visa® Platinum Card

Great For: Low balance transfer introductory rates with no annual fee.

Credit Needed: Excellent

Average Approved Score: 730*

Lowest Approved Score: 661*

  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 15 Months 0% 15 Months 9.99% – 23.99%* Variable $0

U.S. Bank FlexPerks® Business Cash Rewards Visa® Card

Great For: Earning cash back rewards on business expenses.

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

  • 0% Intro APR* for 15 billing cycles on purchases and balance transfers
  • Earn 3% cash rewards on cellular, gas and purchases made at office supply stores and 1% on all other purchases
  • 25% annual bonus of your prior year's cash rewards up to $250
  • No cap on the cash rewards you can earn and they never expire
  • $0* annual fee if you make one purchase per year, otherwise $25*
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 15 Months 0% 15 Months 11.99% – 17.99%* Variable $0

U.S. Bank FlexPerks® Business Travel Rewards Visa® Card

Great For: Earning travel rewards on business expenses.

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

  • Get 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months;
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Earn one FlexPoint for every $1 of eligible net purchases charged to your card
  • Earn two FlexPoints for every $1 spent on gas, office supplies or airline purchases - whichever you spend most on each monthly billing cycle – and on most cell phone expenses
  • Earn Triple FlexPoints for your charitable donations
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • $0 intro Annual Fee* the first year, after that $49 $55 (+$10 for employees) $0 annual fee the first year and every year after when your company has combined net spend of over $24,000 each year
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 12 Months 0% 12 Months 11.99% – 17.99%* Variable $0 intro first year, then $55

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

  • Earn Rewards faster!
  • Up to 10% back quarterly in popular categories
  • Up to 5% back on Ace purchases
  • 2% back on gas and groceries
  • 1% in Rewards everywhere else Visa is accepted
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A N/A N/A 13.99% – 22.99%* Variable $0

Credit Needed: Excellent

Average Approved Score: 607*

Lowest Approved Score: 502*

  • Earn 3 points for every $1 spent at Harley-Davidson® dealerships
  • Earn 2 points for every $1 spent at gas stations, restaurants, bars, and lodging merchants
  • Earn 1 point for every $1 everywhere else, redeem points for Harley Chrome® Cash
  • No limit to how much Harley Chrome® Cash you can earn
  • Chances to win a new Harley-Davidson® motorcycle every month
  • No Annual Fee
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A N/A N/A 13.99% – 22.99%* Variable $0

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

  • It's easy to keep things simple with the Business Platinum Visa Card!
  • Special 0% Intro APR on purchases for the first 12 months
  • No Annual Fee
  • Zero Fraud Liability Protection
  • Free Employee Cards
  • ScoreBoard free online reporting
  • Access to "Connect", U.S. Bank site that provides small business owners with useful information, tools and resources
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 12 Billing Cycles 0%* 12 Billing Cycles 9.99% - 17.99%* Variable $0 with one purchase per year*

*This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.