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 Go
4.0 No-fee dining rewards: 4x points on restaurants, takeout and delivery. 15 mo 0% intro 17.49%–27.49% APR $0 annual fee
U.S. Bank
U.S. Bank Cash+
4.0 5% cash back in two categories you choose each quarter, with no annual fee. 15 mo 0% intro $0 annual fee
American Express
Hilton Honors American Express
4.0 A no-fee hotel card that earns Hilton points on everyday spending and comes with Silver status. 19.74%–28.74% APR $0 annual fee
PNC Bank
PNC Cash Rewards Visa
4.0 Tiered cash back on gas, dining and groceries, with 15 billing cycles of 0% on balance transfers. 15 mo 0% intro 19.24%–29.24% APR $0 annual fee
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
American Express
Hilton Honors American Express Surpass Card
4.0 For Hilton guests: automatic Gold status and high point earning, with the fee waived the first year. 19.49%–28.49% APR $150 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-
PNC Bank
PNC Cash Unlimited Visa Signature
4.0 Flat 2% cash back with no annual fee and 15 months of 0% on balance transfers. 15 mo 0% intro 18.49%–28.49% APR $0 annual fee -
U.S. Bank
U.S. Bank Triple Cash Rewards Visa Business
4.0 No-fee business cash back with 3% in common business categories and 12 billing cycles of 0%. 12 mo 0% intro 17.24%–26.24% APR $0 annual fee 
American Express
American Express Blue Cash Preferred
3.5 Top grocery rewards: 6% at U.S. supermarkets, with a $0 intro annual fee the first year ($95 after). 12 mo 0% intro 19.74%–28.74% APR $95 annual fee
American Express
American Express Blue Cash Everyday
3.5 No-fee cash back on groceries, online shopping and gas, plus 15 months of 0% intro APR on purchases and balance transfers. 15 mo 0% intro 19.99%–28.99% APR $0 annual fee
American Express
The Blue Business Plus Card from American Express
3.5 No-fee business card earning 2x Membership Rewards points on the first $50,000 each year. 12 mo 0% intro 16.99%–28.74% APR $0 annual fee
American Express
Marriott Bonvoy Bevy American Express Card
3.5 Marriott card with automatic Gold Elite status and 6x points at Marriott hotels. 19.74%–28.74% APR $250 annual fee
American Express
American Express Blue Business Cash Card
3.5 No-fee 2% cash back on the first $50,000 of business spending each year, with 12 months of 0% on purchases. 12 mo 0% intro 16.99%–28.74% APR $0 annual fee
American Express
Hilton Honors American Express Aspire Card
3.5 Top Hilton card with Diamond status, resort credits and a free night each year. 19.74%–28.74% APR $550 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
American Express
Delta SkyMiles Gold American Express
3.0 For occasional Delta flyers: a free first checked bag and 2x miles on Delta, dining and groceries, with no fee the first year. 19.74%–28.74% APR $150 annual fee
American Express
Delta SkyMiles Platinum American Express
3.0 For regular Delta flyers who will use the yearly companion certificate to offset the $350 fee. 19.74%–28.74% APR $350 annual fee
American Express
Marriott Bonvoy Brilliant American Express Card
3.0 Premium Marriott card with Platinum Elite status and a yearly free night. 19.74%–28.74% APR $650 annual fee
American Express
Delta SkyMiles Blue American Express Card
3.0 No-fee Delta card with 2x miles at restaurants and on Delta. 19.74%–28.74% APR $0 annual fee
American Express
Marriott Bonvoy Business American Express Card
3.0 Marriott business card with a free night each year and 4x on common business costs. 19.74%–28.74% APR $125 annual fee
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.