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US Bank Credit Card Reviews

US Bank offers a wide range of cards to customers, from rewards cards, basic credit cards, student cards and cards that help customers to either build up or re-establish a credit rating.

Examples of Rewards Cards

The FlexPerks Cash Rewards Visa card offer 0% on all balance transfers for the first 6 months and allows customers to earn a full 1% cash back on all their purchases. There’s no annual fee and the range of APR is from 13.99% to 23.99% variable, depending on the prevailing Prime Rate and the individual customer’s creditworthiness at the time of application.

The FlexPerks Travel Rewards Visa card doesn’t offer an introductory APR for balance transfers, but comes with no annual fee in the first year; thereafter customers pay $49 per annum. Cardholders can earn one FlexPoint for every $1 they spend. The applicable APR is 13.99% to 23.99% variable, depending on Prime Rate and creditworthiness. Cardholders can earn 10,000 bonus FlexPoints after the first $500 have been spent in net purchases. Award travel starts at 20,000 of FlexPoints, equating to a $400 ticket value, which can be used on more than 150 airlines without restrictions, blackout dates or redemption fees.

Basic Credit Card

For customers who don’t use credit cards that often, a basic credit card for emergencies might be sufficient. US Bank offers the Visa Platinum card with 0% introductory APR on all purchases and balance transfers for the first 6 months, an APR of 11.99% to 23.99% thereafter and no annual fee. The card comes with automatic free car rental insurance, allows customers to pay bills online with free online account access, Zero fraud liability and fraud protection for extra peace of mind and customers with an acceptable creditworthiness may qualify for higher credit lines and lower APR.

Student Cards

Building up a credit rating and a good financial credit history starts with using a credit card responsibly. Getting the right card to start off with helps students to keep control of their finances and avoids falling into debt. The US Bank College Visa card offers 11.99% to 20.99% APR, comes without an annual fee and allows students to establish a solid financial history in their own name, while at the same time teaching them financial management skills.

The card can be used to pay bills online with free internet access to the account, worldwide cash access within the established credit limit and offers special savings at hundreds of merchants who participate in the Visa partner advantage program. Partners are well known companies like Sears, Crutchfield, TGI Fridays and Bluefly.com, where students with a College Visa card can enjoy discounts of up to 20% or free shipping on Paper Source products for example.

Optional features with this card are for example the flexible payment options that help students to make payments on time and convenience checks are also available on request, when students need the occasional check to make payments where other payment options are not available.