U.S. Bank credit card options offer useful features for anyone saving money through balance transfers or cash back. Most cards have no annual fee, making them easy to keep long-term.
You also get access to intro APR offers and flexible reward structures. This article helps you choose the right card based on your goals.
Overview Of Available Credit Cards
Several credit card options are designed for people who want rewards or debt management tools. Many cards come with no annual fee, helping users avoid extra charges.
Some offer introductory APR periods on purchases and transfers. Others provide simple cashback rewards with flat or boosted rates.
A few cards also support credit building with secured deposits. Each card fits different goals, like saving on interest or earning back on spending.
Best Cards For Balance Transfers
These options give you time to pay off balances without interest. Choose based on how much you plan to transfer and how long you need.
Smartly™ Visa Signature® Card
This card is for users who want to transfer balances or make purchases without interest for a year.
It also gives access to basic reward features. The structure is simple and easy to manage.
0% Intro APR
You get 0% APR on purchases and balance transfers for the first 12 billing cycles. Transfers must be made early to qualify. The offer ends after a year. Then standard rates apply.
Ongoing APR Range
After the intro period, the APR ranges from 18.49% to 28.74%. Your rate depends on your credit history.
These rates apply to both purchases and transfers. Check your terms before using it long-term.
No Annual Fee
This card has no annual fee, so you can keep it open at no cost. There’s no spending minimum to waive the fee. This helps you save money over time. It’s simple to hold and manage.
Best For Moderate Balances
The card works well for moderate balance transfers. You get a year to pay with no interest. Plan to pay it off before the intro ends. After that, rates get higher.
Shield™ Visa® Card
This option gives you a longer 0% APR period. It’s good if you have a large balance to move and need more time.
0% Intro APR
The card gives 0% APR for 24 billing cycles on both purchases and transfers. That’s two full years of no interest. You must make transfers early on. Terms apply after the intro ends.
Ongoing APR Range
Once the intro ends, the APR ranges from 17.74% to 28.74%. The exact rate depends on your credit. It applies to future purchases and remaining balances. Review your rate after approval.
No Annual Fee
There’s no annual fee to use this card. You don’t pay to hold it, even if used temporarily. It’s helpful for users who just want the 0% offer. No hidden fee to worry about.
Extra Travel Cashback
You also earn 4% cashback on travel booked through the Rewards Center, including flights, hotels, and rentals.
You must use their platform to earn it, which is useful if you travel often.
Best Cards for Cashback
These cards give you flexible cashback rewards with no rotating categories. Choose based on how much you spend and whether you’re building credit or maximizing returns.
Smartly™ Visa Signature® Card
This card gives unlimited 2% cashback on all purchases. There are no caps and no special categories to track. It’s simple and steady. Good for everyday use.
Higher Rewards With Account Link
If you link it with a Smartly® checking account and meet balance requirements, you can earn more. The cashback rate increases based on how much you hold in your account.
Bonus Cashback Tiers
You can unlock higher cashback using these balance levels:
- 2.5% for balances between $10,000–$49,999
- 3% for balances between $50,000–$99,999
- 4% for balances of $100,000 or more
Payout Method
All rewards are deposited into a linked account. This makes redemption easy and fast. You must have an eligible deposit account. No manual transfers needed.
Altitude® Go Secured Visa® Card
This is a secured card for users working to build or rebuild credit. You add a refundable deposit to open the account. The limit equals your deposit. It reports to credit bureaus monthly.
Reward Rates
You earn up to 4X points on dining. You also earn 2X at gas stations, grocery stores, and streaming services.
All other purchases get 1X point per dollar. The points can be redeemed for cashback or other options.
No Annual Fee
There’s no annual fee to hold the card. You must provide a deposit between $300 and $5,000.
The limit matches the amount you deposit. Your deposit is refundable if you close the account in good standing.
Streaming Credit Benefit
You get a $15 streaming credit once per year. It applies to services like Netflix, Hulu, or Spotify. The card must show eligible charges. This credit renews annually.
Cashback Reward Limits & Rules
These rules help you understand how cashback works and what restrictions may apply.
- Rewards earned as Points, later converted into dollar value
- Smartly™ card bonus is capped at $10,000 in purchases per billing cycle
- Certain categories don’t qualify (like insurance, taxes, or business services)
- Cashback must be redeemed into a deposit account held at the same bank
Balance Transfer Terms to Know
Remember these rules if you plan to use the balance transfer features.
- A 5% transfer fee applies ($5 minimum)
- Transfers must be made within 60 days of account opening
- Cash advances don’t qualify for the intro APR
- Payments go to the lowest-interest balances first, then higher ones
Who Should Consider These Cards?
These cards work well for users with specific financial goals or situations.
- You want to pay off debt using a 0% interest intro period
- You prefer flat cashback with no rotating categories
- You’re building or fixing your credit and need a secured card
- You already bank with them and can unlock higher cashback rates
How To Apply?
To get started, you’ll need to follow a few simple steps. Make sure you have your personal and financial info ready before starting the process.
- Go to the official website: usbank.com
- Click on the Credit Cards section and choose the card that fits your needs
- Select “Apply Now” and fill out the online application form
- Provide basic personal info, income details, and contact information
- Review your info and submit the application
- Wait for a decision — some get an instant response, others may take longer
Customer Support
If you have questions or need guidance, contact the support team during business hours.
Contact Information
Visit usbank.com for more details and options. Call Customer Service at 1-800-USBANKS (872-2657) for immediate assistance.
Explore online tools to view available cards. You can read more about it under the Credit Cards section. Their website offers easy navigation and additional resources.
Summary of Best Options for Balance Transfers & Cashback
This conclusion reviews credit card choices that offer both balance transfer and cashback benefits. It highlights key features like intro APR offers and no annual fees.
The review helps you determine which option best meets your needs with clear explanations. Use this summary to find the Best Options for Balance Transfers & Cashback.
Disclaimer: This information is a guideline and may change over time. Always check the official site for the most accurate terms and details.
