With over $410 billion in assets, U.S. Bank is the fifth-largest bank in the nation. In addition to banking services, the company also offers a number of competitive credit card options and benefits.

Top Ranked Companies

#1 Capital One

8.0 Overall Score

4.3

star star star star star_half

(1,364)

View Profile View Profile

#2 Discover

7.9 Overall Score

4.8

star star star star star

(908)

View Profile View Profile

#3 Visa

7.8 Overall Score

4.7

star star star star star_half

(1,233)

View Profile View Profile

thumb_up

The Good

Wide Range of Card Options and Rewards
Security
Customer Support

Wide Range of Card Options and Rewards

U.S. Bank provides its customers with 36 credit card options to choose from, including its FlexPerks series; cards for Fred Meyers, Gymboree, REI, and Harley Davidson members; and options for AeroMexico members. In addition, many of U.S. Bank's cards come with rewards programs, including the following:

FlexPerks Travel Rewards Visa Signature Card: Offers 20,000 enrollment FlexPoints after you spend $2,000 in net purchases on your card within four months of account opening
Club Carlson Premier Rewards Visa Signature Card: Allows you to earn free Award Nights at more than 1,000 hotels across the globe, including Radisson Blu, Radisson, Park Plaza, Park Inn by Radisson, and Country Inns and Suites By Carlson
1-2-3 REWARDS Visa Card: Allows you to earn free groceries with every eligible net purchase at Kroger, King Soopers, City Market, Dillons, Baker's, Smith's, Fry's, and QFC
U.S. Bank Cash 365 American Express Card: Offers a bonus of and 1.5 percent cash back on virtually everything

Security

U.S. Bank offers the following security features to its cardholders:

Zero Fraud Liability: Protects you from being liable for unauthorized transactions on your U.S. Bank credit card and replaces lost or stolen cards within 48 hours
Fraud Protection: Monitors your account for fraud and notifies you if any unusual activity is detected
Card Bill Pay: Saves time and money by eliminating the need to write checks, buy stamps, or worry about mail delays by using your U.S. Bank credit card to pay bills
Account Alerts: Sends convenient alerts via text message or email to help you keep up with your account activity and prevent fraud

Customer Support

U.S. Bank offers toll-free phone support for each of its cards. There is also a separate toll-free number that is available 24/7 specifically for emergency situations, such as when a card is lost or stolen.

Visit Site

thumb_down

The Bad

Undisclosed APRs
Late Payment Fee
High Annual Fees on Some Cards
No Free Credit Score Tracking

Undisclosed APRs

Unfortunately, U.S. Bank has not disclosed APRs on its corporate website. This is an important factor for many consumers, so the company's lack of transparency can be frustrating.

Late Payment Fee

For every late payment, U.S. Bank charges a fee up to $37, which is relatively standard within the industry. However, there are some other credit card companies that offer a slightly lower late payment fee.

High Annual Fees on Some Cards

While many of U.S. Bank's credit cards have no annual fee, a few of its cards do charge one. For instance, the AeroMexico Visa Signature Card has no annual fee for the first 12 months, but costs $80 per year thereafter. Several other companies in the industry do not charge annual fees at all or offer lower fees than those charged by U.S. Bank.

No Free Credit Score Tracking

Some credit card companies offer free credit score tracking to help customers stay on top of their credit. However, U.S. Bank does not offer this service.

gavel

The Bottom Line

U.S. Bank offers a wide range of card options and rewards programs, security features, and customer support. However, the company has not disclosed APRs on its website and charges late payment fees and annual fees for select cards. Additionally, U.S. Bank does not provide its cardholders with free credit score tracking.

Was this content helpful?

thumb_up Yes thumb_down No

border_color Write a Review

User Reviews

Star Rating

3.8

star star star star star_border

18 Reviews

Review Breakdown

5 grade

33%

4 grade

39%

3 grade

11%

2 grade

1 grade

11%

Sentiment Criteria

Value

star star star star star_border

Quality

star star star star star_border

Service

star star star star star_half

Trustworthiness

star star star star star_border

cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down

star star star star star

Jeff Barton Layton, UT

I'm not typically a fan of big banks but U.S. Bank fits the bill when my Dad across the country needed help I was able to use his account from another state and make a deposit to help him out. Benefits of a larger bank for older people with no venmo, paypal, or other - you can just go to a branch.

2 years ago

star star star star star

Shalon Johnson MS

Great company. I use US Bank for mortgage and everything is straight forward. I love how they have different tools available to calculate the most efficient way to pay off your loan and different estimates to see how much you would need to pay each month to have it paid off by a certain timeframe. Website is very user friendly.

2 years ago

star star star star star_border

Christine Farmer Littleton, CO

I have a US Bank Visa Cash + credit card. I like the different reward choices you can make every quarter. I use this card for most of my groceries because I almost always choose groceries for the 2% category. I also always use cell phone providers for one of my 5% back rewards. They are now offering utilities and internet service for some of the 5% categories and I am tempted to switch! It's an easy way to make money on bills that I always pay! The one drawback is that there aren't as many ways to redeem the rewards money as with some cards, but I'm good with just crediting my account.

5 years ago

star star star star star

Lindsay Fritts San Diego, CA

I have the US Bank Altitude card and love it. I get so many awesome perks (including 1.5% back in points and yearly travel credits) and use it all the time. Even though the yearly fee is pretty steep, the other perks make up for it for sure.

6 years ago

star star star_border star_border star_border

Dissatisfied Customer Topeka, KS

For years, I have had a pretty good relationship with U.S. Bank. Recently, however, I disputed a charge from Sixt. At the time of renting a car, I charged the amount on the invoice I received. I then received another invoice from Sixt via e-mail charging a different amount to my card. I disputed the charges with U.S. Bank. They investigated the claim and concluded that, since I had authorized any charges against my card, it was a pricing dispute and they could do nothing about it. So, apparently, if you use your credit card from U.S. Bank and some unscrupulous merchant, like Sixt, decides to charge your account more than the amount you authorized, U.S. Bank is unwilling to do anything because it is a "pricing dispute" rather than fraud, as they define it. I instructed U.S. Bank not to pay the overage amount, but they refused to do that either.

2 years ago

star star star star star_border

Amy Boren American Fork, UT

We have a credit card with this bank. We have never used it. It is associated with our bank account there and we have kept it open just in case. They have been great to work with and when we had question or concerns they have been very professional.

5 years ago

star star star star star_border

Tom Pleasant Grove, UT

I have had a U.S. Bank credit card in the past and I liked that it was easy to use and that it was easy to track online and that they gave you an annual statement of your spending.

6 years ago

star star star star star_border

Lindsey American Fork, UT

I enjoyed my U.S. Bank Credit card for my small business. The interest rate was lower than most others, which is very nice.

6 years ago

star star star star star

Myken Salt Lake City, UT

I love my U.S. Bank credit card. They offer great cards with excellent rewards, which is what I look for most when shopping for a credit card.

4 years ago

star star star star_border star_border

REBECCA

Not easy to work with when there is a problem. Other banks are much better plus this one closed down.

7 months ago

star star star star_border star_border

Kim Dorsey Reynoldsburg, OH

I think the rate is high . Especially since I am one of their customers and have been one of their customers for over a decade

6 years ago

star star star star star_border

Cam McClellan Magna, UT

I have banked with US bank for years. Their customer service is top notch but they had high fees for things.

4 years ago

star star star star star_border

Francis Gallers Santa Fe, NM

They're all right. The card does give some cash back. About .02%

4 years ago

star star star star star

Fredrick Williams Copperas Cove, TX

Always accomodating and look after my interests.

6 years ago

star star star star star

Tim Chula Vista, CA

Great customer service even after hours! They answered my call at 2 AM

2 years ago

star star_border star_border star_border star_border

Bill

Benefits were reduced a while after opening the account. This is very deceptive and unfair business practice.

4 years ago

star star star star star_border

Candice Allen Fort Worth, TX

I love the helpfulness of the customer service

2 years ago

star star_border star_border star_border star_border

David Hearon

Took credit away even though every payment was made on time.

4 years ago