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
Pick your own two 5% categories every quarter.
4x on dining with no annual fee. Few cards beat that math.
2% base, up to 4% on everything with a U.S. Bank Smartly relationship.
4x on travel and gas with no annual fee.
3% on the categories small businesses actually spend in. No fee.
The mobile wallet legend, now closed and clipped.
6% at the two retailers you actually shop at, including Amazon and Walmart.
Lounge visits and 4x travel from a mid fee business card.
2x on everything, 2.5x by phone, for businesses that hate category games.
It watches your spending and bonuses your top two categories automatically.
Full 5% Cash+ earning while you rebuild your credit.
4x on dining is unheard of for a secured card.
The quiet workhorse for one of the best mileage charts left in SkyTeam.
The longest 0% intro APR in the market, with a few rewards sprinkled on.
Every award stay's last night free, until the 2015 massacre.
5% on mobile wallet spend and fuel discounts across the entire Kroger grocery empire.