Explore credit cards

4X points on dining, takeout and restaurant delivery on the first $2,000 each quarter; 2X at grocery stores, gas/EV charging stations and eligible streaming services; 1X on other eligible purchases

20,000-point offer requires $1,000 in eligible net purchases within 90 days; existing or previous cardmembers are ineligible if they received this product’s new-account bonus within 5 years. 4X dining is capped at $2,000 per quarter. Discount stores, supercenters, and wholesale clubs are excluded from elevated grocery/gas categories. $15 streaming credit requires 11 consecutive months of eligible streaming purchases and an account in good standing. Balance transfers must be made within 60 days and carry a 5% fee ($5 minimum).

5% cash back on eligible prepaid airfare, hotel and car-rental bookings through the U.S. Bank Travel Center; $50 annual statement credit after $5,000 in eligible Travel Center bookings

The 0% introductory APR applies for 12 billing cycles; balance transfers must be made within 30 days and incur a 5% fee with a $5 minimum. The $50 annual travel statement credit requires $5,000 in qualifying Travel Center bookings during each account-year period. Rewards apply to eligible net purchases and the account must remain open and in good standing.

5% cash back on the first $2,000 in combined eligible purchases each quarter in two chosen categories; 2% in one chosen everyday category; 1% on other eligible purchases; 5% on eligible prepaid travel booked through the U.S. Bank Travel Center

Requires a refundable $300–$5,000 security deposit held in a U.S. Bank secured savings account; no public welcome bonus. Cardmember must choose and activate categories each quarter. The 5% category rate is capped at $2,000 in combined eligible purchases per quarter; purchases above the cap and purchases made without category activation earn 1%. Discount stores, supercenters, and wholesale clubs are excluded from elevated everyday categories. Graduation is subject to review and not guaranteed.

5% cash back on the first $2,000 in combined eligible purchases each quarter in two chosen categories; 2% in one chosen everyday category; 1% on other eligible purchases; 5% on eligible prepaid travel booked through the U.S. Bank Travel Center

$200 offer requires $1,000 in eligible purchases within 90 days. Cardmember must select and activate categories each quarter; without activation, eligible purchases earn no more than 1%. The 5% rate is capped at the first $2,000 in combined quarterly purchases across both selected categories; purchases above the cap earn 1%. Discount stores, supercenters, and wholesale clubs are excluded from elevated everyday categories. Balance transfers must be made within 60 days and carry the disclosed transfer fee.

No rewards; designed to build or rebuild credit history

No rewards program and no public welcome offer. Requires a refundable security deposit of $300–$5,000 held in a secured U.S. Bank savings account; the deposit equals the credit limit. The savings account is FDIC-insured and earns interest. Deposit is generally returned only if the account is upgraded or closed in good standing. Late payments and over-limit behavior may damage credit. Free credit score is an educational VantageScore and is not the score U.S. Bank necessarily uses for lending decisions.

4% cash back on prepaid air, hotel and car reservations booked through the U.S. Bank Travel Center

Balance transfers must be made within 60 days of account opening; a 5% transfer fee ($5 minimum) applies. Transfers from other U.S. Bank accounts are not permitted. The $20 credit requires purchases in 11 consecutive calendar months and an account in good standing. The 4% rate is limited to eligible prepaid air, hotel and car reservations booked directly through the Travel Center. ExtendPay eligibility and transaction exclusions apply.

Unlimited 2% base; relationship tiers can raise rate on first $10,000 eligible net purchases each billing cycle to 2.5%, 3% or 4%

• Higher rates require Smartly Savings plus qualifying balances; tiered rate applies only to first $10,000 eligible net purchases each billing cycle.

Higher rates require a Smartly Savings account and qualifying U.S. Bank balances. The relationship bonus applies only to the first $10,000 in eligible net purchases each billing cycle; some transaction categories are excluded.

No rewards; purchases are automatically split into equal monthly payments

This card does not earn rewards. All purchases automatically become payment plans. A $100+ purchase must be extended before the billing cycle closes; a purchase that posts on the final day may not be extendable. Six- and 12-month extensions carry a fixed monthly plan fee. Plans cannot be canceled or shortened, and Small Purchase Plans cannot be extended.

3% cash back on eligible gas/EV, office supplies, cell phone and restaurant purchases; 1% other; $100 annual software credit

The $750 bonus requires $6,000 in eligible purchases on the Account Owner's card within 180 days. The 3% gas/EV rate applies only to transactions of $200 or less and excludes discount stores, supercenters and wholesale clubs. The software credit requires 11 consecutive months of eligible direct software-service purchases. Balance transfers must be made within 30 days and incur a 5% fee with a $5 minimum.

Cash Rewards variant earns rewards; Rate Advantage emphasizes lower APR; Primary Access supports credit access

Variant assigned based on eligibility; hardship-grant criteria apply

2X United purchases, gas stations and local transit; 1X other purchases

Some airline perks require $10,000 in annual spending. MileagePlus terms apply.

Cash-back rewards including eligible MyGiftCardsPlus purchases; no foreign transaction fee

Rewards apply only to eligible net purchases after returns, credits and adjustments. Balance transfers, cash advances, fees, interest and cash-equivalent transactions do not earn rewards. Merchant coding and applicant-specific terms apply.

5% cash back on first $5,000 annual military-base purchases; 5% on first $3,000 annual gas purchases; 3% on first $3,000 annual grocery purchases; unlimited 1% on other purchases

Annual bonus-rate caps are $5,000 for military-base purchases, $3,000 for gas and $3,000 for groceries; 1% applies after each cap and to other purchases. Balance-transfer/convenience-check fees and reward eligibility rules apply.

3% cash back on the first $3,000 in combined quarterly purchases across eligible categories; unlimited 1% on other purchases

• 3% rate applies to first $3,000 combined eligible-category purchases per quarter

3% applies to the first $3,000 in combined eligible-category purchases each quarter; 1% thereafter and on other purchases. Eligible categories include groceries, dining, home improvement/furnishings, gas/EV charging, travel, transit, health/wellness, live entertainment and streaming. A 5% fee applies to balance transfers and convenience checks.

2% cash back on the top eligible spend category each month; 1% on other eligible purchases

The 2% rate applies only to the single highest eligible spend category each month; merchant coding applies. The Walmart+ credit is a limited-time, one-time offer for an annual membership. Credit-line increases are reviews, not guarantees.

Unlimited 1.5% cash back on eligible purchases

A 5% fee applies to each balance transfer, cash advance and convenience check. Rewards apply to eligible net purchases; returns, credits, cash advances, fees, interest and cash-equivalent transactions do not earn rewards.

No rewards; low-rate card

Promotional financing: 0% intro APR for 15 months on qualifying balance transfers and convenience checks posted within 90 days of account opening.

A 5% fee applies to each balance transfer and convenience check. Purchases are not covered by the introductory APR, and purchase interest may accrue while an introductory transferred balance remains unpaid.

No rewards; secured credit-building card

A refundable security deposit from $250 to $5,000 is required and generally determines the credit limit. The card does not earn purchase rewards. Approval and account reporting remain subject to issuer terms.