I honestly can’t say I’ve ever really considered applying for a credit card from U.S. Bank. Their products just aren’t out there on T.V. and airport ads where we tend to get exposure. Apparently, they’re always on the top 10 list of the country’s largest commercial banks, bringing in more revenue than Capital One and Discover last year.
So, I started looking at their credit card products to see if any of them might fit into my daily spending or travel needs.
That’s kind of the way it just works when you’re comparing credit cards and seeing which are best tailored for your specific needs. Everyone should have a good all-around rewards earning credit card without an annual fee that they can always have as a backup (I chose the Priceline Visa). The annual fee cards come into play if they fit into your specific lifestyle needs as they offer higher rewards benefits.
After looking into all the card offerings from U.S. Bank, some of them are actually pretty competitive in the market in terms of features. I can’t say I’m convinced enough to sign up for any of them at this particular point until I get rid of some of my other cards.
I thought I’d review all the different cards below, while I consider all the features for myself at the same time.
*Tip: If you’re concerned about meeting the purchase requirements for any of the card bonuses below, purchasing American Express Gift Cards is a good way to go about it. The funds on the gift cards will never expire and they are accepted everywhere American Express is accepted.
U.S Bank Credit Card Round-Up
U.S. Bank FlexPerks® Travel Rewards Visa Signature® card **My Review Here*
Get 20,000 bonus FlexPoints after the first $3,500 in net purchases within the first four months.
Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 300 airlines with no blackout dates or online redemption fees
Earn one FlexPoint for every $1 of eligible net purchases charged to your card
Earn two FlexPoints for every $1 spent on gas, grocery or airline purchases – whichever you spend most on each monthly billing cycle %u2014 and on most cell phone expenses
Earn Triple FlexPoints for your charitable donations
$0 intro Annual Fee* the first year, after that $49*
Earn 3,500 bonus FlexPoints each year when you spend $24,000 in Net Purchases.
You can redeem these FlexPoints for your annual fee or combine them with other FlexPoints for travel or many other rewards
Apply Here
U.S. Bank FlexPerks® Business Travel Rewards Visa® Card **My Review Here**
Get 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months
Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
Earn one FlexPoint for every $1 of eligible net purchases charged to your card
Earn two FlexPoints for every $1 spent on gas, office supplies or airline purchases – whichever you spend most on each monthly billing cycle – and on most cell phone expenses
Earn Triple FlexPoints for your charitable donations
Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
$0 intro Annual Fee* the first year, after that $49 $55 (+$10 for employees)
$0 annual fee the first year and every year after when your company has combined net spend of over $24,000 each year
Apply Here
LANPASS Visa Signature® Card
1 LANPASS Mile for every net $1 you spend (purchases minus credit and returns)
20,000 Bonus Miles with your first card use
4,000 Bonus Miles with your annual credit card renewal
Double Miles on LAN and TAM ticket purchases
$0 intro annual fee for the first year† ($75 thereafter)*
20% discount on first LAN or TAM purchase (up to $1,000) 1 time per year
25% flight miles bonus
3 one-way upgrade coupons per year
Apply Here
LifeMiles Visa Signature® Card
Earn 1 LifeMile for every net $1 you spend (purchases minus credits and returns)
20,000 bonus LifeMiles with your first card use
6,000 bonus LifeMiles with your annual credit card renewal
Double LifeMiles on Avianca ticket purchases
50% Excess Baggage Redemption Discount
$0 Introductory Annual Fee for the first year, thereafter $75*
Apply Here
SKYPASS Visa® Signature Credit Card
Get up to 15,000 Bonus Miles after your first purchase.
Earn 1 mile for every $1 you spend in net purchases
Double Miles on Korean Air ticket purchases.
Redeem miles for award travel and upgrades on any SkyTeam partner, including Korean Air and domestic carriers such as Alaska Airlines and Delta Air Lines
Apply Here
AeroMexico Visa Signature® Card
Double miles on gas, groceries and Aeromexico ticket purchases
1 mile per $1 net spent on everything else
20,000 First-Use bonus miles – enough for a round-trip ticket
Complimentary Companion Certificate
Complimentary Salon Premier Lounge access
Complimentary checked bag and Aeromexico ticket discount.
$0* intro annual fee for the first year, thereafter up to $80*
Renewal bonus miles, plus $99 Complimentary Companion Certificate with credit card renewal
Apply Here
U.S. Bank Visa® Platinum Card **My Review Here**
0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
No annual fee*
Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
$0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
Online account management and account alerts
Apply Here
U.S. Bank Business Platinum Visa® Card
It’s easy to keep things simple with the Business Platinum Visa Card!
Special 0% Intro APR on purchases for the first 12 months
No Annual Fee
Zero Fraud Liability Protection
Free Employee Cards
ScoreBoard free online reporting
Access to “Connect”, U.S. Bank site that provides small business owners with useful information, tools and resources
Apply Here
1-2-3 REWARDS® Visa® Card **My Review Here**
Save an Additional 25¢ a gallon for the first three months when you redeem 100 fuel points at participating Kroger family of stores fuel centers
Earn free groceries faster at Kroger, King Soopers, Dillons Smith’s, Fry’s and QFC; 3 points per $1 spent on Kroger family of brand products
2 points per $1 spent in the Kroger® family of stores (excluding fuel centers)
1 point per $1 spent anywhere Visa Cards are accepted
Every 1,000 points earned gets $5 in free groceries. Rewards sent automatically every quarter
0% intro APR* for first 9 billing cycles on purchases and balance transfers. After that, a variable APR currently 13.99%-23.99%
$0 annual fee*
Apply Here
U.S. Bank FlexPerks® Business Cash Rewards Visa® Card
0% Intro APR* for 15 billing cycles on purchases and balance transfers
Earn 3% cash rewards on cellular, gas and purchases made at office supply stores and 1% on all other purchases
25% annual bonus of your prior year’s cash rewards up to $250
No cap on the cash rewards you can earn and they never expire
$0* annual fee if you make one purchase per year, otherwise $25*
Apply Here
Harley-Davidson® Visa® Credit Card
Earn 3 points for every $1 spent at Harley-Davidson® dealerships*
Earn 2 points for every $1 spent at gas stations, restaurants, bars, and lodging merchants*
Earn 1 point for every $1 everywhere else, redeem points for Harley Chrome® Cash*
No limit to how much Harley Chrome® Cash you can earn
Chances to win a new Harley-Davidson® motorcycle every month*
No Annual Fee
Apply Here
Ace Rewards® Visa Card
Earn Rewards faster
Up to 10% back quarterly in popular categories
Up to 5% back on Ace purchases
2% back on gas and groceries
1% in Rewards everywhere else Visa is accepted
Apply Here