Best U.S. Bank Credit Cards of 2026
Every U.S. Bank card ranked by real value — earn rates, fees, and benefits compared.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at this category. Order can differ from that column because ranking adds the adjustments above.
U.S. Bank Smartly Visa Signature Card
U.S. Bank
- +2% cash back. Smartly Earning Bonus requires a U.S. Bank Smartly Savings account plus a qualifying balance in U.S. Bank Smartly Checking and/or Safe Debit account(s) Total 2.5% with qualifying balance of $10,000-$49,999.99 Total 3% with qualifying balance of $50,000-$99,999.99 Total 4% with qualifying balance of $100,000 or more Bonus applies to first $10,000 in eligible Net Purchases each billing cycle; spend above the cap earns the 2% base
- +No annual fee
Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard®
U.S. Bank
- +1x
- +15,000 points bonus (~$105 value)
- +No annual fee
SKYPASS SkyBlue Visa®
U.S. Bank
- +1x — points worth 1.0¢ each
- +10,000 points bonus (~$100 value)
- +No annual fee
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Network |
|---|---|---|---|---|
| U.S. Bank Smartly Visa Signature CardU.S. Bank | 2% cash back | 2.0¢/$ | $0 | visa |
| Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard®U.S. Bank | 1x points | 1.0¢/$ | $0 | mastercard |
| SKYPASS SkyBlue Visa®U.S. Bank | 1x Korean Air SKYPASS | 1.0¢/$ | $0 | visa |
| State Farm Premier Cash Rewards Visa Signature®U.S. Bank | 1% cash back | 1.0¢/$ | $0 | visa |
| U.S. Bank Cash+® Visa Signature® CardU.S. Bank | 1% cash back | 1.0¢/$ | $0 | visa |
| U.S. Bank Altitude Connect Visa Signature CardU.S. Bank | 1x U.S. Bank Altitude Rewards | 1.0¢/$ | $0 | visa |
| U.S. Bank Altitude Go Visa Signature CardU.S. Bank | 1x U.S. Bank Altitude Rewards | 1.0¢/$ | $0 | visa |
| H-D™ H.O.G.™ Elite Visa Signature®U.S. Bank | 1x points | 1.0¢/$ | $99 | visa |
| Korean Air SKYPASS Visa Signature Business CardU.S. Bank | 1x Korean Air SKYPASS | 1.0¢/$ | $99 | visa |
| SKYPASS Visa Signature®U.S. Bank | 1x Korean Air SKYPASS | 1.0¢/$ | $99 | visa |
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