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
Navy Federal Credit Union
Navy Federal Platinum
4.0 One of the lowest regular APRs available (from about 10%), with a 0.99% intro rate and no balance transfer fee. Membership required. 12 mo 0% intro 10.24%–18% APR $0 annual fee
Navy Federal Credit Union
Navy Federal cashRewards
4.0 Cash back with a credit-union APR (capped at 18%) and no balance transfer fee. Membership required. 12 mo 0% intro 14.15%–18% 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
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-
Navy Federal Credit Union
Navy Federal Visa Signature Flagship Rewards
4.0 Navy Federal's travel card: 3x on travel and 2x everywhere else. $49 annual fee 
Navy Federal Credit Union
Navy Federal cashRewards Secured
4.0 A secured card with an 18% APR and cash back, for members building credit. 18% 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 
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-
Navy Federal Credit Union
Navy Federal More Rewards American Express
3.5 No-fee rewards on groceries, dining, gas and transit with a credit-union APR. 14.15%–18% APR $0 annual fee 
Navy Federal Credit Union
Navy Federal GO REWARDS
3.5 No-fee points on dining and gas with one of the lowest APR ranges available. 13.49%–18% APR $0 annual fee
U.S. Bank
U.S. Bank Secured Visa
3.0 A basic no-fee secured card for building credit. $0 annual fee
Alliant Credit Union
Alliant Cashback Visa Signature
3.0 No-fee cash back from a large credit union with an 18% APR cap. $0 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
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.