Credit Compound

U.S. Bank

Quietly strong product lineup: the best choose-your-own 5% card, a 4x no-fee dining card, and the Smartly card that pays up to 4% on everything for customers who park deposits or investments at the bank.

Application Rules

  • ▸Informal velocity sensitivity: roughly 1 new card every 6 months keeps approvals smooth
  • ▸Sensitive to recent inquiries across all bureaus; existing deposit relationships materially help
  • ▸Smartly top-tier earning requires $100k+ in combined U.S. Bank balances, so the bank relationship is the product

Tracked U.S. Bank Cards