Credit Cards | Apply online | U.S. Bank (2024)

One-time $200 bonus will be awarded for redemption when you are approved for a new U.S. Bank Cash+^® Visa Signature® Card and after eligible net purchases totaling $1,000 or more are made to your account within 90 days from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance. Existing and previous Cash Rewards accounts do not qualify for this one-time bonus. One-time bonus cash does not apply toward account upgrades. This offer may not be combined with any other bonus offer. Offer is subject to credit approval.

Cash back is redeemed in the form of a statement credit or a deposit made to your U.S. Bank Savings, Checking or Money Market Account based on your designation, or as a U.S. Bank Rewards Card ($25 minimum redemption on cash back).Subject to applicable law, you may not redeem Cash back, and you will immediately lose all of your Cash back, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Cash rewards will expire at the end of the calendar month 36 months after the billing cycle in which they were earned.

Cardmember must enroll each quarter into categories of their choice, or all net purchases will earn no more than 1% cash back. You will earn 5% cash back on your first $2,000 in combined net purchases (purchases minus returns or credits) in your two chosen 5% categories and 2% cash back in your chosen 2% category. Purchases over $2,000 in the 5% categories will earn 1% cash back. There are no limits on your 2% or 1% cash back earnings. Transactions qualify for 5% or 2% cash back based on how merchants classify the transaction. In addition to earning 1% cash back for every $1 in eligible Net Purchases, Cash+ Cardmembers will earn an additional 4% cash back for every $1 in eligible Net Purchases spent on prepaid air, car and hotel reservations in the travel center using your Cash+ Card. Please allow 1-2 statement billing cycles for your bonus cash back to appear on your credit card statement. Refer to the Rewards Center for full details.

The 0% introductory APR applies to purchases and is valid for the first 15 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 15 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary. The current undiscounted variable APR for Purchases and Balance Transfers is $ based on your creditworthiness. The variable APR for Cash Advances is $. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. Annual fee: $0. Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in aU.S. Bank ExtendPay^® Plan or U.S. Bank ExtendPay^® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPaybalance. ExtendPayFees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPayPlans and ExtendPayLoans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.

Balance Transfers transactions from other U.S. Bank National Association accounts are not permitted. You may cancel a balance transfer request within 10 days of account opening by calling 800-285-8585.

One-time 20,000 bonus Points will be awarded if you are approved for a new U.S. Bank Altitude Go Visa Signature Card and make $1,000 or more in total eligible Net Purchases to your Account within 90 days of Account opening. Please allow 1-2 billing cycles for your bonus Points to be credited to your Account. Existing or previous U.S. Bank Altitude Go Visa Signature cardmembers are not eligible if you have received a new account bonus for this product in the last five years. Use of the Card is subject to terms and conditions of the U.S. Bank Altitude Go Visa Signature Cardmember Agreement, which is provided at Account opening and may be amended from time to time. This offer may not be combined with any other bonus offer.

Points are earned on eligible Net Purchases. U.S. Bank Altitude Go Visa Signature Cardmembers will earn 1 Point for every $1 in Net Purchases. In addition, you will earn 3 bonus Points (4 Points total) for every $1 on restaurant, fast-food restaurant and bar purchases. You will earn 1 bonus Point (2 Points total) for every $1 on purchases in the following categories: grocery store and supermarket (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart); gas station and electric vehicle charging station (excluding wholesale clubs, discount stores/supercenters and grocery stores/supermarkets) and qualifying streaming subscription services. Refer to Program Rules or usbank.com/AltitudeGoBenefits for official list of qualifying streaming services merchants. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. Refer to the Rewards Center for full details.

An automatic statement credit of $15 per 12-month period will be applied to your U.S. Bank Altitude Go Visa Signature Card Account within 2 statement billing cycles following 11 consecutive calendar months of eligible streaming service purchases, such as Netflix, Hulu, Apple Music, if the Account is in good standing (open and able to use). Purchases qualify based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Refer to Program Rules or usbank.com/AltitudeGoBenefits for official list of qualifying streaming services merchants. We reserve the right to adjust or reverse any portion or all of any streaming services credit for unauthorized purchases or transaction credits.

The 0% introductory APR applies to Purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to Balance Transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary. The current undiscounted variable APR for Purchases and Balance Transfers is $ based on your creditworthiness. The variable APR for Cash Advances is $. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. Annual fee: $0. Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars.3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay^® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay^® Plan or U.S. Bank ExtendPay^® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPayFees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPayPlans and ExtendPayLoans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.

The 0% introductory APR applies to purchases and is valid for the first 21 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 21 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary. The current undiscounted variable APR for Purchases and Balance Transfers is $ based on your creditworthiness. The variable APR for Cash Advances is $. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 5% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 5% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. Annual fee: $0. Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay^® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay^® Plan or U.S. Bank ExtendPay^® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay Fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay Plans and ExtendPay Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.

Free credit score access, alerts and Score Simulator through TransUnion's CreditView^™ Dashboard are available to U.S. Bank online and mobile banking customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for the alert functionality. The free VantageScore^® credit score from TransUnion^® is for educational purposes only and not used by U.S. Bank to make credit decisions.

One-time 20,000 bonus Points will be awarded if you are approved for a new U.S. Bank Altitude Connect Visa Signature Card and make $1,000 or more in total eligible Net Purchases to your Account within 90 days of Account opening. Please allow 1-2 billing cycles for your bonus Points to be credited to your Account. Existing or previous U.S. Bank Altitude Connect Visa Signature cardmembers are not eligible if you have received a new account bonus for this product in the last five years. Use of the Card is subject to terms and conditions of the U.S. Bank Altitude Connect Visa Signature Cardmember Agreement, which is provided at Account opening and may be amended from time to time. This offer may not be combined with any other bonus offer.

Points are earned on eligible Net Purchases. U.S. Bank Altitude Connect Visa Signature Cardmembers will earn 1 Point for every $1 in Net Purchases. In addition, you will earn 4 bonus Points (5 Points total) for every $1 on prepaid car and hotel reservations purchased in the online Altitude Rewards Center using your U.S. Bank Altitude Connect Card. Prepaid car and hotel reservations in the Rewards Center are not classified as a travel category merchant transaction and are not eligible to receive the bonus points for that category. You will earn 3 bonus Points (4 Points total) for every $1 on travel category purchases (such as purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies). You will earn 3 bonus Points (4 Points total) for every $1 on your first $1,000 each quarter on gas station and electric vehicle charging station purchases (excluding discount stores/supercenters, wholesale clubs and grocery stores/supermarkets). You will earn 1 bonus Point (2 Points total) for every $1 on purchases in the following categories: restaurant, fast-food restaurant and bar; grocery store and supermarket (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart) and qualifying streaming subscription services. Refer to Program Rules or usbank.com/AltitudeConnectBenefits for official list of qualifying streaming services merchants. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. Refer to the Rewards Center for full details.

The 0% introductory APR applies to Balance Transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to Purchases and cash advances. Thereafter, the APR may vary. The current variable APR for Purchases and Balance Transfers is $ (based on your creditworthiness). The variable APR for Cash Advances is $. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 0% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 0% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay Fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay Plans and ExtendPay Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.

You must enroll each quarter into two retailers and one purchase category of your choice, or all net purchases (purchases minus returns or credits) will earn no more than 1.5% Cash back. Allow up to 3 business days for registration to take effect before you will be eligible to earn 3% Cash Rewards and 6% Cash Rewards. You will earn 6% Cash back on your first $1,500 in combined net purchases at your two chosen 6% retailers. You will earn 3% Cash back on your first $1,500 in net purchases in your chosen 3% category. There are no limits on your 1.5% Cash Rewards earnings. During any calendar quarter in which you spend more than $1,500 combined at your two 6% retailers, you will earn 1.5% Cash Rewards for any additional spend at those retailers during that quarter. During any calendar quarter in which you spend more than $1,500 in your one 3% category, you will earn 1.5% Cash Rewards for any additional spend in that category during that quarter. Transactions qualify for 6% or 3% Cash Rewards based on how merchants classify the transaction. Merchants that accept Visa credit cards are assigned a merchant code, determined by the merchant or its processor. U.S. Bank makes every effort to include all relevant merchant category codes in its listed Retailer and Purchase Categories. As U.S. Bank cannot control how merchants choose to classify transactions, we cannot guarantee a transaction will qualify for 3% and 6% Cash Rewards. Merchant subsidiary purchases and third-party delivery services are not eligible for additional Cash Rewards earning and will earn 1.5% Cash Rewards. Purchases not eligible for additional Cash Rewards earning will earn 1.5% Cash Rewards. U.S. Bank reserves the right to change Retailers and Purchase Categories. In addition to earning 1.5% Cash Rewards for every $1 in eligible Net Purchases, Shopper Cash Rewards Cardmembers will earn an additional 4% Cash Rewards for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations in the Rewards Center using your Shopper Cash Rewards card. Please allow 1-2 statement billing cycles for your bonus Cash Rewards to appear on your credit card statement. Refer to the Rewards Center for full details.

In order to be eligible for the one-time $250 bonus, you will need to spend a minimum of $2,000 in Net Purchases on your new U.S. Bank Shopper Cash Rewards Visa Signature Card within 120 days after Account opening. Please allow 6-8 weeks for your bonus cash rewards to be credited to your Account. The bonus is not available to Cardmembers who currently have, or had, a U.S. Bank Shopper Cash Rewards Visa Signature account. Use of the Card is subject to terms and conditions of the U.S. Bank Shopper Cash Rewards Visa Signature Cardmember Agreement, which is provided at Account opening and may be amended from time to time. This offer may not be combined with any other bonus offer.

Cash Rewards are redeemed in the form of a statement credit or a deposit made to your U.S. Bank Savings, Checking or Money Market Account based on your designation, as a U.S. Bank Rewards Card ($25 minimum redemption on Cash Rewards), or merchant gift card. Cash rewards do not expire as long as the account remains open.

One-time 50,000 bonus Points will be awarded if you are approved for a new U.S. Bank Altitude Reserve Visa Infinite Card and make $4,500 or more in total eligible Net Purchases to your Account within 90 days after Account opening. Please allow 1-2 billing cycles for your bonus Points to be credited to your Account. Existing or previous U.S. Bank Altitude Reserve Visa Infinite cardmembers are not eligible if you have received a new account bonus for this product in the last five years. Use of the Card is subject to terms and conditions of the U.S. Bank Altitude Reserve Visa Infinite Cardmember Agreement, which is provided at Account opening and may be amended from time to time. This offer may not be combined with any other bonus offer.

Points are earned on eligible Net Purchases. U.S. Bank Altitude Reserve Visa Infinite Cardmembers will earn 1 Point for every $1 in eligible Net Purchases. In addition, you will earn 4 Points (5 Points total) for every $1 on prepaid car and hotel reservations purchased in the online Altitude Rewards Center using your U.S. Bank Altitude Reserve Card. Prepaid car and hotel reservations in the Rewards Center are not classified as a travel category merchant transaction and are not eligible to receive the additional points for that category. You will earn 2 Points (3 Points total) for every $1 on travel category transactions (such as purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies), and for transactions using a mobile wallet. For this benefit, “mobile wallet” means Apple Pay®, Google Wallet, and Samsung Pay. Unlike Google Wallet, Google Pay may not qualify as a mobile wallet and earn additional Points, depending on how the transaction is completed. We cannot control how mobile wallet transactions are designated and reserve the right to determine which Purchases qualify for additional Points. If the transaction is an eligible mobile wallet transaction and an eligible travel category transaction, additional Points will only be awarded for one of the transaction types (Points will be applied as mobile wallet, not travel). Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. Refer to the Rewards Center for full details.

Late payments and going over the credit limit may damage your credit history.

Points are earned on eligible Net Purchases. U.S. Bank Altitude Go Secured Visa Cardmembers will earn 1 Point for every $1 in Net Purchases. In addition, you will earn 3 bonus Points (4 Points total) for every $1 on restaurant, fast-food restaurant and bar purchases. You will earn 1 bonus Point (2 Points total) for every $1 on purchases in the following categories: grocery store and supermarket (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart); gas station and electric vehicle charging station (excluding wholesale clubs, discount stores/supercenters and grocery stores/supermarkets) and qualifying streaming subscription services. Refer to Program Rules or usbank.com/AltitudeGoBenefits for official list of qualifying streaming services merchants. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. Refer to the Rewards Center for full details.

An automatic statement credit of $15 per 12-month period will be applied to your U.S. Bank Altitude^® Go Secured Visa^® Card Account within 2 statement billing cycles following 11 consecutive calendar months of eligible streaming service purchases, such as Netflix, Hulu, Apple Music, if the Account is in good standing (open and able to use). Purchases qualify based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Refer to Program Rules or usbank.com/AltitudeGoBenefits for official list of qualifying streaming services merchants. We reserve the right to adjust or reverse any portion or all of any streaming services credit for unauthorized purchases or transaction credits.

Not all payment due dates may be available. If approved, please call the number on the back of your card for further information.

U.S. Bank provides Zero Fraud Liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.