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The information for the following product(s) has been collected independently by Business Insider: U.S. Bank Shopper Cash Rewards™ Visa Signature® Card, U.S. Bank Altitude® Go Visa Signature® Card, U.S. Bank Cash+® Visa Signature® Card, U.S. Bank Altitude® Connect Visa Signature® Card, U.S. Bank Visa® Platinum Card, U.S. Bank Altitude® Reserve Visa Infinite® Card, U.S. Bank FlexPerks® Gold American Express® Card, U.S. Bank Altitude® Go Visa® Secured Card, U.S. Bank Cash+® Visa® Secured Card, U.S. Bank Business Triple Cash Rewards World Elite Mastercard®. The details for these products have not been reviewed or provided by the issuer.
U.S. Bank ranks as one of our top picks for the best banks. Business Insider's personal finance team found that it's a good choice if you want a brick-and-mortar bank with 24/7 live support. It also has a variety of credit card and lending options.
U.S. Bank Review: Overall Rating
| Feature | Insider rating (out of 5) |
| Personal bank accounts | 3.5 to 4.25 |
| Business checking accounts | 3.75 to 4.25 |
| Personal credit cards | 3.33 to 4.09 |
| Business credit cards | 3.33 to 4 |
| Investing | 4.11 |
| Personal loans | 3.5 |
| Mortgages | 4.25 |
| Trustworthiness | 2.5 |
| Total | 3.5 |
U.S. Bank Pros and Cons
| Pros | Cons |
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About U.S. Bank
U.S. Bank has more than 2,200 branches across 26 states. Branch locations are available in:
- Arizona
- Arkansas
- California
- Colorado
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Minnesota
- Missouri
- Montana
- Nebraska
- Nevada
- New Mexico
- North Carolina
- North Dakota
- Ohio
- Oregon
- South Dakota
- Tennessee
- Utah
- Washington
- Wisconsin
- Wyoming
The bank offers 4,500 U.S. Bank ATMs throughout the United States. It's also part of the MoneyPass ATM Network, which provides access to over 37,000 ATMs.
U.S. Bank is FDIC-insured. Up to $250,000 is protected in an individual account, and $500,000 is secure in a joint bank account.
U.S. Bank also recently announced the U.S. Bank Smartly Visa Signature Card. It isn't available to use yet, but you can preregister for the card now. The card is expected to launch later in 2024.
U.S. Bank Digital Banking and Technology
U.S. Bank's digital banking and technology have mixed customer satisfaction ratings. According to two 2024 J.D. Power studies, U.S. Bank was ranked below the study average for both online banking and mobile banking.
However, it has strong mobile app ratings in the Google Play and Apple Store. It has 4.7 out of 5 stars with over 412,000 reviews in the Google Play store and 4.8 out of 5 stars based on 1.6 million ratings in the Apple store.
The U.S. mobile app lets you perform everyday transactions. You can send money through Zelle, deposit mobile checks, and transfer funds between bank accounts. You'll also be able to check your credit score for free.
U.S. Bank Customer Service and Support
U.S. Bank's website immediately directs you to an FAQ page that addresses the most common topics customers have questions about.
If you want to speak with a representative, you can call or schedule an appointment with a banker at a branch. Support for general banking is available 24/7. For customer support on specific services, like home loans or credit cards, the hours vary — representatives are typically available Monday through Friday during traditional banking hours, and limited hours on Saturdays.
U.S. Bank Fees, Rates and Account Management
Understanding the U.S. Bank Fee Structure
U.S. Bank charges monthly service fees on checking, savings, and money market accounts. You can waive monthly service fees on most accounts if you meet certain age requirements or fufill certain activities each month.
Most U.S. Bank accounts also have overdraft fees, out-of-network ATM fees, and dormant account fees you'll need to be mindful of.
U.S. Bank offers free overdraft protection. You can link a bank account, and there are no fees when money is transferred to cover an overdraft.
Something to keep in mind is that the best online banks have bank accounts with no monthly service fees or overdraft fees. You may prefer one of these banks if your goal is to avoid these fees entirely.
U.S. Bank Interest Rates on Savings Accounts and Loans
The U.S. Bank Smartly® Savings Account pays up to 3.80% APY, but it can pay as low as 0.02% APY if you don't meet its requirements. To earn the highest rate, you'll need to have either a U.S. Bank Smartly® Checking or a U.S. Bank Safe Debit account, or apply for the U.S. Bank Smartly Visa Signature Card, and you'll need to have at least $25,000 across eligible accounts.
The U.S. Bank Elite Money Market Account pays 0.01% to 3.50% (varies by location) APY — the interest rate may vary depending on where you live and how much money you maintain in your account. To earn the highest APY on the U.S. Bank Elite Money Market Account, you'll need to keep $50,000 or more in your account daily.
A U.S. Bank Personal Loan has a rate between 6.99% to 15.04% APR.
Is U.S. Bank Trustworthy?
U.S. Bank has a B+ rating from the Better Business Bureau due to government action against the business.
In 2023, the Consumer Financial Protection Bureau required U.S. Bank to pay $21 million, saying it kept people from accessing unemployment benefits during the COVID-19 pandemic. The Office of the Comptroller of the Currency fined U.S. Bank $15 million for the same reason.
In 2022, U.S. Bank paid $37.5 million in a settlement with the Consumer Financial Protection Bureau. The CFPB accused the bank of obtaining customers' credit reports and opening checking accounts, savings accounts, credit cards, and lines of credit without their knowledge.
U.S. Bank FAQs
One of the main advantages of banking with U.S. Bank is that is has a large branch presence and 24/7 customer support availability. It also has a variety of bank accounts, credit cards, and lending options, so it could be worthwhile if you want to do all your banking with one financial institution.
U.S. Bank fees are standard for a national brick-and-mortar bank. They also offer ways to waive monthly service fees or overdraft fees. If you're looking to avoid common bank fees entirely, though, there are online banks and credit unions that have lower fees.
According to a 2024 J.D. Power study, U.S. Bank was ranked below the study average for mobile banking. The study compared U.S. Bank to other national institutions like Bank of America, Capital One, and Chase.
U.S. Bank Personal Bank Accounts
U.S. Bank Smartly® Savings Account
$5 monthly service fee
up to 3.80%
$25
- Good APY if you qualify for a relationship rate
- $25 minimum opening deposit
- Interest compounded daily
- Low APY if you don’t qualify for a relationship rate
- $5 monthly service fee
U.S. Bank is included in our best national banks guide as the best national bank in the Midwest and West. It's a good choice if you want a brick-and-mortar bank with 24/7 live support. It also has a variety of credit card and lending options, and you can earn significant welcome bonuses when you open checking and savings accounts.
U.S. Bank Smartly® Savings Account- Over 2,000 branches in 26 states
- Earn a relationship rate when you have U.S. Bank Smartly Checking or U.S. Safe Debit Account, or apply for the U.S. Bank Smartly Visa Signature Card
- The relationship rate is between 2.50% to 4.10% APY and depends on your combined qualifying balance (with eligible product)
- Earn a standard rate of 0.02% to 0.26% APY, depending on your account balance
- Interest is compounded daily and paid monthly
- To waive the $5 monthly service fee, you must be under the age of 18 or have a U.S. Bank Smartly Checking or U.S. Safe Debit Account
- FDIC insured
The U.S. Bank Smartly® Savings Account can potentially earn you a strong interest rate for a brick-and-mortar of up to 3.80% APY, but you'll need to meet several criteria in order to get it.
The U.S. Bank Smartly® Savings Account's best interest rates require you to also have either a U.S. Bank Smartly® Checking or a U.S. Bank Safe Debit account. If you don't have one of those, you'll only be able to earn up to 0.26% APY, and you might earn as low as 0.02% APY, depending on your daily balance.
If you have one of those two accounts, you'll earn at least 2.50% APY no matter what. In order to earn the best rate of 4.10% APY, you'll need to keep at least $25,000 combined across your eligible accounts.
This account comes with a $5 monthly service fee that's waived if you qualify for the relationship rate or if the account is owned by a minor.
If you don't think you can meet the relationship or daily balance requirements, or if you want to have a less complicated savings account, you might want to go with another bank.
See Business Insider's U.S. Bank Savings Account Review.
U.S. Bank Smartly® Checking
$6.95 monthly service fee
See site for details
$25
- Low minimum opening deposit
- Several ways to waive monthly service fee
- Large ATM network
- No fee overdraft protection transfers from a linked deposit account
- $50 overdrawn Available Balance safety threshold and Overdraft Fee Forgiven program
- May enroll in U.S. Bank Smart Rewards® if you meet certain requirements
- $6.95 monthly service fee
- $2.50 out-of-network ATM fee
- $36 overdraft fee
- $12.50 overdraft protection transfer fee for transfers over $50 made from a linked credit account
U.S. Bank is included in our best national banks guide as the best national bank in the Midwest and West. It's a good choice if you want a brick-and-mortar bank with 24/7 live support. It also has a variety of credit card and lending options, and you can earn significant welcome bonuses when you open checking and savings accounts.
U.S. Bank Smartly® Checking- Get a checking account that empowers you to Bank Smartly®. Put U.S. Bank’s new checking product to work for you with:
- Manage cash easily with automated budgeting and ways to save in a #1 rated mobile app
- Unlock fewer fees and personalized rewards. Sign up for Smart Rewards after opening your Bank Smartly Checking account.
- No ATM transaction fees at U.S. Bank ATMs and no surcharge fees at MoneyPass® Network ATMs
- Automated direct deposit switch process makes it easier than ever to set up or switch direct deposit.
- No fee overdraft protection transfers from a linked deposit account, $50 overdrawn Available Balance safety threshold and Overdraft Fee Forgiven program
- U.S. Bank Smartly Checking may not be available if you live outside of the U.S. Bank footprint. Member FDIC.
U.S. Bank Safe Debit account
$4.95 monthly service fee
None
$25
- Low minimum opening deposit
- No overdraft fees
- $4.95 monthly service fee
- $2.50 out-of-network ATM fee
- Can't overdraw from account
- Paper checks can't be processed
- Access to over 2,200 branches in 26 states
- Part of the MoneyPass ATM network, which has over 37,000 ATMs
- No paper checks with the Safe Debit account
- Member FDIC
U.S. Bank has two checking accounts: the U.S. Bank Safe Debit account and U.S. Bank Smartly® Checking.
The U.S. Bank Smartly® Checking will likely be a stronger option if your goal is to open a checking account that lets you waive monthly service fees. But the U.S. Bank Safe Debit account could be worth considering if you want to avoid overdraft fees.
See Business Insider's U.S. Bank Personal Checking Accounts Review.
U.S. Bank Standard CD
0.05% to 0.25%
$500
- $500 minimum opening deposit
- Variety of terms
- Online banks may pay a higher interest rate
- High-to-standard early withdrawal penalties
U.S. Bank is included in our best national banks guide as the best national bank in the Midwest and West. It's a good choice if you want a brick-and-mortar bank with 24/7 live support. It also has a variety of credit card and lending options, and you can earn significant welcome bonuses when you open checking and savings accounts.
U.S. Bank- Over 2,200 branches in 26 US states
- Free access to around 4,500 ATMs
- Terms range from 1 month to 5 years
- For terms 6 months or less, you have to pay an early withdrawal penalty of $25, plus all the interest that would have been earned on the withdrawn amount for the entire term OR 1% of the withdrawn amount
- For terms between 6 months and 1 year, you'll have to pay an early withdrawal penalty of $25, plus 50% of the interest that would have been earned on the withdrawn amount for the entire term OR 1% of the withdrawn amount
- For terms longer than 1 year, you'll have to pay an early withdrawal penalty of $25, plus 50% the interest that would have been earned on the withdrawn amount for the entire term OR 3% of the withdrawn amount
- Interest compounded daily, deposited monthly
- FDIC insured
U.S. Bank offers decent CDs, with terms ranging from one month to five years. U.S. Bank CD rates are highest on its CD Specials, which pay 3.10% to 4.00% (Varies by location) APY.
U.S. Bank Elite Money Market Account
$10 monthly service fee
0.01% to 3.50% (varies by location)
$100
- $100 minimum opening deposit
- Check writing included
- Low interest rate
- No debit card included
U.S. Bank is included in our best national banks guide as the best national bank in the Midwest and West. It's a good choice if you want a brick-and-mortar bank with 24/7 live support. It also has a variety of credit card and lending options, and you can earn significant welcome bonuses when you open checking and savings accounts.
- Over 2,200 branches in 26 US states
- Free access to around 4,500 ATMs
- To waive the $10 monthly maintenance fee, keep at least $10,000 in your account daily
- Interest compounded daily, deposited monthly
- Member FDIC
The U.S. Bank Elite Money Market Account might be a compelling account if you want a money market account with a low minimum opening deposit. It also offers a good interest rate if you deposit $50,000 within the first 30 days of account opening
U.S. Bank Business Checking and Money Market Accounts
U.S. Bank Silver Business Checking Package
no monthly service fee
None
$100
up to $400
- $100 minimum opening deposit
- No monthly service fees
- Overdraft protection available
- 125 free transactions per month
- May qualify for cash bonus
- $0.50 fee for each transaction that exceeds the 125 monthly limit
- $2.50 out-of-network ATM fee
- $20 incoming domestic wire transfer fee
- $30 outgoing domestic wire transfer fee
- $25 incoming international wire transfer fee
- $50 outgoing international wire transfer fee
- $12.50 fee if you utilize overdraft protection
U.S. Bank might be ideal if you'd like to open a business checking account with a brick-and-mortar financial institution that offers 24/7 customer support. But if you prioritize low monthly service fees and unlimited monthly transactions, you might want to consider going through our best free checking accounts guide for options.
U.S. Bank Silver Business Checking Package- Promo code Q4AFL24 MUST be used when opening a U.S. Bank Silver, Platinum, or Business Essentials (Available in AZ, NV, CO, NM, OH, IN, KY and TN) Business Checking account. Limit of one Business Checking bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
- Bonus Options
- -Earn your $400 Business Checking bonus by opening a new U.S. Bank Silver Business Checking or Business Essentials (not available in all markets) account between 10/1/2024 and 1/15/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening.
- or
- -Earn your $900 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 10/01/2024 and 1/15/2025. You must make deposit(s) of at least $30,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $30,000 until the 60th day after account opening.
- New money is considered money that is new to U.S. Bank. Funds must come from outside U.S Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. Checking account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
- The business checking bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
- Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.
- All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. This document can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
- Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
- Member FDIC.
U.S. Bank Gold Business Checking Package
$20 monthly service fee
None
$100
None
- $100 minimum opening deposit
- Possible to waive monthly service fee
- Overdraft protection available
- 100 free cash deposits per statement cycle
- 300 free transactions per month
- May qualify for cash bonus
- $20 monthly service fee
- $0.45 fee for each transaction that exceeds the 300 monthly limit
- $2.50 out-of-network ATM fee
- $20 incoming domestic wire transfer fee
- $30 outgoing domestic wire transfer fee
- $25 incoming international wire transfer fee
- $50 outgoing international wire transfer fee
- $12.50 fee if you utilize overdraft protection
U.S. Bank might be ideal if you'd like to open a business checking account with a brick-and-mortar financial institution that offers 24/7 customer support. But if you prioritize low monthly service fees and unlimited monthly transactions, you might want to consider going through our best free checking accounts guide for options.
U.S. Bank Gold Business Checking Package- Member FDIC.
U.S. Bank Platinum Business Checking Package
$30 monthly service fee
None
$100
up to $900
- $100 minimum opening deposit
- Possible to waive monthly service fee
- Overdraft protection available
- 500 free transactions per month
- May qualify for cash bonus
- $30 monthly service fee
- $0.40 fee for each transaction that exceeds the 500 monthly limit
- $2.50 out-of-network ATM fee
- $20 incoming domestic wire transfer fee
- $30 outgoing domestic wire transfer fee
- $25 incoming international wire transfer fee
- $50 outgoing international wire transfer fee
- $12.50 fee if you utilize overdraft protection
U.S. Bank might be ideal if you'd like to open a business checking account with a brick-and-mortar financial institution that offers 24/7 customer support. But if you prioritize low monthly service fees and unlimited monthly transactions, you might want to consider going through our best free checking accounts guide for options.
U.S. Bank Platinum Business Checking Package- Promo code Q4AFL24 MUST be used when opening a U.S. Bank Silver, Platinum, or Business Essentials (Available in AZ, NV, CO, NM, OH, IN, KY and TN) Business Checking account. Limit of one Business Checking bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
- Bonus Options
- -Earn your $400 Business Checking bonus by opening a new U.S. Bank Silver Business Checking or Business Essentials (not available in all markets) account between 10/1/2024 and 1/15/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening.
- or
- -Earn your $900 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 10/01/2024 and 1/15/2025. You must make deposit(s) of at least $30,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $30,000 until the 60th day after account opening.
- New money is considered money that is new to U.S. Bank. Funds must come from outside U.S Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. Checking account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
- The business checking bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
- Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.
- All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. This document can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
- Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
- Member FDIC.
U.S. Bank Platinum Business Money Market Account
$15 monthly service fee
up to 3.56%
$50,000
- Possible to waive monthly service fee
- ATM access
- Low interest rate if you don’t qualify for an introductory bonus rate
- $15 monthly service fee
U.S. Bank is included in our best national banks guide as the best national bank in the Midwest and West. It's a good choice if you want a brick-and-mortar bank with 24/7 live support. It also has a variety of credit card and lending options, and you can earn significant welcome bonuses when you open checking and savings accounts.
- Receive a bonus interest rate up to 3.50% from the account opening date when you open a new Platinum Business Money Market Account and complete qualifying activities, subject to certain terms and limitations. Member FDIC.
- Offer is limited to Business Platinum Money Market account only. Standard variable interest rates are determined at the bank’s discretion and are subject to change at any time without notice. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting and other balance information. The minimum deposit required to open a Platinum Business Money Market account is $50,000.
- Interest and Fee Information: You must maintain the minimum balance needed for each tier to earn the interest rate. Interest will be compounded daily and credited to your account monthly at the end of the statement cycle. Fees could reduce earnings on the account. Other restrictions may apply.
- Offer details: Starting November 8, 2024, open a new U.S. Bank Platinum Business Money Market account and receive a bonus interest rate from the account opening date. All Bonus interest rates may change at any time without notices. The following bonus interest rates are accurate as of today:
- The bonus interest rate will be 3.50% when your account balance tier is between $50,000 to $2,999,999.99.
- For Platinum Business Money Market accounts with $3 million or greater in balances, the bonus interest rate does not apply, and the full account balance will earn the standard variable interest rate in effect at that time until the account balance is $2,999,999.99 or below.
U.S. Bank has three types of business checking accounts and three business money market accounts, including the U.S. Bank Platinum Business Money Market Account. The best business checking account option for you will likely depend on how many monthly transactions you need to make each month.
Also, bear in mind the U.S. Bank Silver Business Checking Package is the only option that has no monthly service fee. With the other business checking accounts, you'll need to meet certain requirements to waive the fee.
See Business Insider's U.S. Bank Business Checking Account review.
U.S. Bank Personal Credit Cards
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
$0 intro for the first year, then $95
18.74-28.74% Variable
Excellent/Good
- High cash-back earning at popular retailers like Amazon, Target, and Walmart
- Ability to customize rewards depending on your spending habits
- Generous welcome bonus offer
- Annual fee after the first year, foreign transaction fees
- 6% and 3% cash back categories are capped at $1,500 in spending per quarter
- No intro 0% APR offer
The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is a terrific card for almost any household, but if you typically spend more than $1,500 per quarter on retail, you may do better with a different cash-back card.
U.S. Bank Shopper Cash Rewards- The information related to the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card has been collected by Business Insider and has not been reviewed by the issuer.
- $0 intro annual fee for the first year, then $95 a year
- Earn $250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening
- 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose
- 5.5% back on prepaid car and hotel reservations booked through the US Bank Rewards Center
- 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities)
- 1.5% cash back on all other eligible purchases
See Business Insider's U.S. Bank Shopper Cash Rewards Credit Card Review.
U.S. Bank Altitude® Go Visa Signature® Card
$0
0% intro APR on purchases and balance transfers for the first 12 billing cycles
18.24% - 29.24% Variable
Earn 25,000 bonus points
Good to Excellent
- Great earning rate on dining (4x points = 4% back)
- Good welcome bonus for a no-annual-fee card
- Annual streaming credit
- No airline or hotel transfer partners
- Few benefits compared to other rewards credit cards
Foodies and travelers can do quite well with this card due to its high earning rates on dining, gas, and other categories. It's a great pick if you prefer straightforward rewards and a generous welcome bonus, but as a no-annual-fee card, it doesn't come with a lot of flashy benefits.
U.S. Bank Altitude® Go Visa Signature® CardSee Business Insider's U.S. Bank Altitude Go Visa Signature Card Review.
U.S. Bank Cash+® Visa Signature® Card
$0
0% intro APR on purchases and balance transfers for the first 15 billing cycles
19.74% - 29.74% Variable
$200 bonus
Good to Excellent
- Generous cash-back earning and welcome bonus for a no-annual-fee card
- Ability to choose the best 5% and 2% cash-back categories for you
- Introductory APR offer on purchases and balance transfers
- 5% cash-back category is capped at $2,000 in purchases per quarter
- Foreign transaction fees
The no-annual-fee U.S. Bank Cash+® Visa Signature® Card comes with a good welcome bonus and 5% back on up to $2,000 in combined spending in two eligible categories cardholders can choose each quarter. If these categories fit your spending habits, you can earn a significant amount of cash back with the card.
U.S. Bank Cash+ Visa Signature CardSee Business Insider's U.S. Bank Cash Plus Signature Card Review.
U.S. Bank Altitude® Connect Visa Signature® Card
$0
18.24% - 29.24% Variable
Earn 20,000 bonus points
Excellent/Good
- Great earning rate on travel and at gas stations
- Bonus points on streaming services plus $30 yearly streaming credit can save you money
- Global Entry or TSA PreCheck application fee credit is worth up to $100
- Annual fee after the first year
- No airline or hotel transfer partners
The U.S. Bank Altitude® Connect Visa Signature® Card is a good choice if you're looking for a card that earns a substantial welcome bonus along with strong bonus categories for a moderate annual fee. It also offers excellent perks like Priority Pass airport lounge access, SmartDelay protection, cell phone protection, a Global Entry/TSA PreCheck application fee credit, and an annual streaming credit.
U.S. Bank Altitude Connect Visa SignatureSee Insider's U.S. Bank Altitude Connect card review.
U.S. Bank Visa® Platinum Card
$0
0% intro APR on purchases and balance transfers for 18 billing cycles
18.74% - 29.74% Variable
N/A
Good to Excellent
- Long intro APR period for balance transfers and purchases
- Cell phone protection
- No rewards
- Balance transfer fee
The U.S. Bank Visa® Platinum Card doesn't earn rewards or come with a welcome bonus, but it's a solid pick if you're looking for a no-annual-fee card with an unusually long introductory APR on purchases and balance transfers.
U.S. Bank Visa Platinum CardSee Business Insider's U.S. Bank Visa Platinum Card Review.
U.S. Bank Altitude® Reserve Visa Infinite® Card
$400
N/A
21.24% - 28.24% Variable
Excellent
- Substantial welcome bonus and great earning opportunities, especially with mobile wallets
- $325 annual travel and dining credit can offset most of the $400 annual fee
- Top-notch travel insurance and protections
- You must have an existing relationship with US Bank to be approved
- Limited to a 12-month complimentary Priority Pass membership with only four free visits for cardholder (plus a guest) included
- No airline or hotel transfer partners
The U.S. Bank Altitude® Reserve Visa Infinite® Card is a premium credit card with benefits that have no trouble offsetting the annual fee. One of its most unique (and valuable) qualities is its ability to earn 3x points on all purchases made through a mobile wallet, so if you use payment methods like Apple Pay or Samsung Pay, you'll have no problem accruing points in a hurry.
U.S. Bank Altitude Reserve CardSee Business Insider's U.S. Bank Altitude Reserve Visa Infinite Card Review.
U.S. Bank FlexPerks® Gold American Express® Card
$85
18.74% - 28.74% variable
Excellent
- Points worth 1.5 cents each toward travel
- Statement credit for Global Entry/TSA PreCheck
- Free Boingo Wi-Fi
- $85 annual fee
- Points don't transfer to airlines and hotels
- Lackluster travel insurances
- The information related to the U.S. Bank FlexPerks® Gold American Express® Card has been collected by Business Insider and has not been reviewed by the issuer.
- Annual fee of $85 and no foreign transaction fees(see full terms and conditions).
- Earn 5X on prepaid hotels and car rentals
- Earn 3X on dining, takeout and restaurant delivery
- Earn 2X at airlines, gas stations and EV charging stations
- 1X on all other purchases
- Automatic statement credit reimbursement on the TSA PreCheck® or Global Entry® application fee
See Business Insider's U.S. Bank FlexPerks Gold American Express Card Review.
U.S. Bank Altitude® Go Visa® Secured Card
$0
N/A
29.24% Variable
N/A
New/Rebuilding
- Great earning rates on dining, gas, streaming, and groceries
- Build credit with responsible use over time and you may be able to automatically graduate to a non-secured card
- Annual streaming credit
- Requires a security deposit ($300 minimum)
- No welcome bonus
The $0-annual-fee U.S. Bank Altitude® Go Visa® Secured Card is an above-average secured credit card, with high earning rates in extremely common spending categories and a $15 annual statement credit to reimburse streaming purchases.
U.S. Bank Altitude Go Visa Secured CardU.S. Bank Cash+® Visa® Secured Card
$0
N/A
29.24% Variable
N/A
New/Rebuilding
- Great cash-back earning rates with the ability to choose your own 5% categories
- Build credit with responsible use over time and you may be able to automatically graduate to a non-secured card
- No annual fee
- Requires a security deposit ($300 minimum)
- 5% cash back categories capped at $2,000 in combined spending per quarter
- No welcome bonus
The U.S. Bank Cash+® Visa® Secured Card can help you improve your credit score while earning up to 5% cash back on expenses like fast food and cell phone bills.
U.S. Bank Cash+ Visa Secured CardU.S. Bank has a variety of credit cards, including secured credit cards, rewards credit cards, and travel credit cards. In addition to the credit cards listed, U.S. Bank has a Secured Visa Card.
U.S. Bank Business Credit Cards
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
$0
0% intro APR on purchases and balance transfers for 15 billing cycles
19.24% - 28.24% Variable
$500 cash back
Excellent/Good
- Strong welcome bonus and bonus categories for a no-annual-fee card
- Introductory 0% APR on both purchases and balance transfers for 15 billing cycles
- World Elite Mastercard benefits including cell phone protection
- Foreign transaction fees
- Relatively high minimum spending requirement to unlock bonus
- Authorized user purchases don’t count toward minimum spending requirement
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is a no-annual-fee card for small business owners with a generous welcome bonus and great bonus categories. It's a good pick if you prefer earning straight cash back, especially if you can use the $100 annual software credit.
U.S. Bank Business Triple Cash Rewards World Elite MastercardU.S. Bank Business Leverage® Visa Signature® Card
$0 intro for 12 months, then $95
19.49% - 26.49% variable
Good to Excellent
- Large sign-up bonus
- Simple points earning/redeeming structure
- 5% back on prepaid hotels and rental cars booked through Travel Rewards Center
- Relatively few ongoing benefits
- Modest return rates
- $95 annual fee
U.S. Bank Business Platinum Card
$0
0% intro APR on purchases and balance transfers for the first 18 billing cycles
16.24% - 25.24% Variable
N/A
Good to Excellent
- Extra-long introductory APR on purchases and balance transfers
- No annual fee
- No rewards or welcome bonus
- Few benefits compared to other small-business cards
- Foreign transaction fees
While it doesn't earn rewards or come with a welcome bonus, the U.S. Bank Business Platinum Card might be just what your business needs if you don't want to get hit with big interest charges on large purchases you can't pay off all at once.
U.S. Bank Business Platinum CardU.S. Bank has three business credit cards. The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® and U.S. Bank Business Platinum Card do not charge any annual fees.
See Business Insider's U.S. Bank Business Triple Cash Rewards Card Review.
Automated Investor from U.S. Bancorp Investments
$1,000
Annual advisory fee is 0.24% of invested assets
- Tax-loss harvesting to maximize return
- Automatic portfolio rebalancing
- Human advisor access
- High $1,000 minimum to get started
- Only available to existing U.S. Bank or U.S. Bancorp Investments customers
Automated Investor from U.S. Bancorp Investments is a strong robo-advisor for personalized ETF portfolios. It's best for passive investors who are existing U.S. Bank or U.S. Bancorp Investments customers. But the minimum investment is significantly higher than most other automated investing platforms.
Automated Investor from U.S. Bancorp Investments is specifically for existing U.S. Bank or U.S. Bancorp Investments customers. This could be a worthwhile option if you have a minimum of $1,000 to invest. In comparison, many of the best robo-advisors have lower minimum opening requirements.
U.S. Bank Personal Loans
8.74% to 24.99%
$1,000 to $50,000 for U.S. Bank customers, up to $25,000 for non-customers
660
- Competitive APRs
- Low minimum loan amount
- No origination fee or prepayment penalty
- Fast funding
- Autopay discount
- Joint application allowed
- Late fee
- Not available in some states
- Worse terms for borrowers who aren't customers of U.S. Bank
- No loan preapproval
- Get your money within a few hours if you're a U.S. Bank customer
- 0.50% discount when you autopay from a U.S. Bank account
- Available in Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming
- Loan terms range from 12 to 84 months (maximum 60 months for non-customers)
You might find a U.S. Bank Personal Loan worthwhile if you have a U.S. Bank personal checking account. Checking account customers with credit approval can borrow up to $50,000, while people who aren't U.S. Bank checking account customers can only borrow up to $25,000.
See Business Insider's U.S. Bank Personal Loans Review.
U.S. Bank Mortgages
620
3%
Conforming, jumbo, FHA, VA, USDA, construction, investment property, American Dream program, Access Home Loan, HELOC, home equity loan
- Wide variety of loan options
- Affordable mortgages and down payment assistance
- Offers a customer discount of up to $1,000
- Average fees are on the low end
- You'll need to put 5% down on a regular conforming loan
- Minimum credit score of 640 for FHA loans
- Can't see personalized rates online
U.S. Bank is one of the best mortgage lenders for first-time buyers. It offers more types of mortgages than most lenders, so it's a good option for many borrowers.
U.S. Bank Mortgage- Offers home loans in all 50 U.S. states and Washington, D.C.
- Has loan officers in 42 states
- Minimum credit score and down payment displayed are for conforming mortgages
U.S. Bank has a variety of home loans, including conforming loans, jumbo loans, FHA loans, VA loans, construction loans, HELOC, and home equity loans. It doesn't have USDA loans, though.
If you're paying off student loans, the American Dream Mortgage might be worth exploring. U.S. Bank says it will work with you if you're on an income-driven repayment plan.
See Business Insider's U.S. Bank Mortgage Review.
How U.S. Bank Compares
U.S. Bank vs. Bank of America
Bank of America has 4,200 branches in 37 states, while U.S. Bank has over 2,200 branches in 26 states. Bank of America could be a better option if you prefer a large branch network.
You might prefer U.S. Bank if you're looking for more options for home loans. Bank of America doesn't have a USDA loan, reverse mortgage, home equity loan, or construction loan.
U.S. Bank vs. Chase
You might lean more toward Chase if you find it appealing to open specialty bank accounts for college students, kids, or teens. Accounts for minors also come with unique features like savings tools or parental monitoring features.
Chase will also be a more compelling choice if you prioritize a large branch network. It has over 4,800 branches, while U.S. Bank has over 2,200 branches. Several Chase checking accounts also have bank account bonuses, too.
Is U.S. Bank Right For You?
U.S. Bank is a good option if you value traditional banking experience with a national branch and ATM network.
Most notably, U.S. Bank is one of the best mortgage lenders for first-time buyers. It offers a variety of lending options. It also has the American Dream Loan is a strong option for student loan borrowers looking to buy their first home.
The bank also has a variety of credit card and loan options, so it may be worthwhile if you're goal is to establish relationship banking with one financial institution.
Its bank accounts may be appealing if you want options with low minimum opening deposits, but they won't be the best fit if you don't want to deal with bank fees. There are banks and credit unions that don't charge any monthly service fees or overdraft fees that will likely be more appropriate.
Why You Should Trust Us: How We Reviewed U.S. Bank
At Personal Finance Insider, we rate bank products and services using our editorial standards. We use a scale from one to five stars and review specific features for each product.
For bank accounts, we use a bank account methodology. We use a weighted average to get our star rating.
We review different features for distinct types of bank accounts. For example, we'll look at early withdrawal penalties and CD variety specifically for CDs. Meanwhile, for checking accounts, we'll factor in the ATM network size and fees, as well as its overdraft protection options.
We also have methodologies for credit cards, investment platforms, personal loans, and mortgages. These products also have different rating categories and features we'll assess. For example, we'll review welcome bonuses and rewards rates specifically for credit cards.
