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
U.S. Bank Cash+ Visa SignatureU.S. Bank
Pick your own two 5% categories every quarter.
$200 bonus (≈$200)AF: $0Rating: 8.2/10
U.S. Bank Altitude Go Visa SignatureU.S. Bank
4x on dining with no annual fee. Few cards beat that math.
20,000 pts bonus (≈$200)AF: $0Rating: 8.3/10
U.S. Bank Smartly Visa SignatureU.S. Bank
2% base, up to 4% on everything with a U.S. Bank Smartly relationship.
$250 bonus (≈$250)AF: $0Rating: 7.8/10
US Bank Altitude ConnectU.S. Bank
4x on travel and gas with no annual fee.
20,000 pts bonus (≈$200)AF: $0Rating: 7.6/10
US Bank Business Triple Cash RewardsU.S. Bank
3% on the categories small businesses actually spend in. No fee.
$500 bonus (≈$500)AF: $0Rating: 8.0/10