U.S. Bank
Cards
Rates, fees, 0% offers and rewards for the credit cards people actually carry, with how to pay and contact each issuer. Free to use, no sign-up needed. We are not paid by any card issuer.
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U.S. Bank
U.S. Bank
U.S. Bank Altitude Connect Visa Signature
4.0 No-fee travel card with 4x on travel and gas and 15 billing cycles of 0% on purchases and balance transfers. 15 mo 0% intro $0 annual fee
U.S. Bank
U.S. Bank Smartly Visa Signature
4.0 Flat 2% cash back that climbs higher for U.S. Bank Smartly Savings customers, with 12 billing cycles of 0%. 12 mo 0% intro $0 annual fee
U.S. Bank
U.S. Bank Altitude Go Secured
3.5 A secured card that earns 4x on dining while you build credit. $0 annual fee
U.S. Bank
U.S. Bank Cash+ Secured
3.5 A secured card with 5% cash back in two categories you choose. $0 annual fee
American Express
American Express Gold Card
3.0 For people who spend a lot on dining and groceries and use the monthly dining, Uber and Resy credits. Charge card $325 annual fee
American Express
American Express Green Card
3.0 A lower-fee Amex charge card earning 3x points on travel, transit and restaurants. Charge card $150 annual fee
U.S. Bank
U.S. Bank Secured Visa
3.0 A basic no-fee secured card for building credit. $0 annual fee
American Express
Graphite Business Cash Unlimited Card from American Express
3.0 Flat 2% cash back for businesses, with 5% on flights and prepaid hotels through Amex Travel. $295 annual fee
American Express
The Platinum Card from American Express
2.5 A luxury travel card with lounge access and a long list of credits, for frequent travelers who will use them. Charge card $895 annual fee
American Express
American Express Business Gold Card
2.5 Business card that automatically earns 4x in the two categories you spend most in each month. Charge card $375 annual fee
American Express
The Business Platinum Card from American Express
2.5 Top-tier business travel card with lounge access and a long list of credits. Charge card $895 annual fee
U.S. Bank
U.S. Bank Business Leverage Visa Signature
2.5 2x points automatically in your top two spending categories each month. $95 annual fee
American Express
Business Green Rewards Card from American Express
2.5 Entry-level Amex business charge card earning transferable Membership Rewards points. Charge card $95 annual fee
American Express
Delta SkyMiles Gold Business American Express Card
2.0 Delta business card with a free checked bag and the fee waived the first year. $150 annual fee
American Express
American Express EveryDay
Closed to new applicants A no-fee Membership Rewards card. No longer open to new applicants.
How we rate cards
Every card is scored the same way against other cards in its category, from 1 to 5 stars in half steps. We use four measures, weighted by what matters most for that kind of card:
- 0% intro period: longer is better; 21 months scores full marks. Near-0% offers (under 2%, as some credit unions offer) count too.
- Regular APR: the lowest advertised rate; 14% scores full marks, 30% scores zero. Charge cards with no APR score in the middle; store cards whose APR we couldn’t confirm score zero, since store card rates are almost always 30% or more.
- Annual fee: $0 scores full marks; for travel cards, fees are judged against $1,000.
- Rewards: the rate on everyday spending (2% is full marks) and the best bonus category (6% is full marks). Points and miles are counted at typical values: about 1¢ for most bank points and airline miles, 0.5–0.7¢ for Hilton, IHG and Marriott points, and about 1.5¢ for Hyatt points. Store discounts count only at that store.
For balance transfer cards, the intro period counts most. For cash back, travel and business cards, rewards count most. For credit-building cards, low fees count most. Cards closed to new applicants aren’t rated. The rating is a quick comparison, not advice: the best card for you depends on your balance, credit and spending.