U.S. Bank Credit Cards: Reviews, Benefits, and Key Offers for 2025
Date of Last Update: November 18, 2025
U.S. Bank offers a diverse range of credit cards, from customizable cash back options like the Cash+® Visa Signature® Card to travel rewards cards such as the Altitude® Go Visa Signature® Card. They are a major issuer known for competitive rates and valuable rewards programs.
This page provides an overview of their offerings.
Disclaimer: We no longer have a direct affiliate relationship with U.S. Bank. The information below is provided for informational purposes only, and we cannot link you to an application here. Please visit the U.S. Bank website to apply.
Overview of Popular U.S. Bank Cards
U.S. Bank has a variety of cards designed to meet different financial needs:U.S. Bank cards generally require a good to excellent credit score for approval.
Alternatives If You Are Looking for Other Options
If you are interested in other competitive credit cards, we partner with Citi to offer a range of excellent alternatives to suit various needs:We cover these and more in detail in our primary reviews section. To see all available U.S. Bank products and apply, please visit the official U.S. Bank credit card page.
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Experian Boost: A Comprehensive Guide to Boosting Your Free Credit Score
FICO® Credit Scores
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
What is a Credit Score?
A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.
Why is a Credit Score Important?
A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.
FICO® Credit Score Facts
- Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.
- Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.
- Data Source: FICO® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.
- Industry Standard: Lenders rely on FICO® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
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*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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