U.S. Bank credit cards
U.S. Bank's benefits page lists eight personal U.S. Bank-branded cards open to new applicants: the Smartly, Shield, Altitude Go, Altitude Connect and Cash+ cards, and three secured cards, the Altitude Go Secured, Cash+ Secured and Secured Visa 2. The cards are issued by U.S. Bank National Association and are available to United States residents only 1.
Contents7 sections
At a glance
| Card issuer | U.S. Bank National Association1 |
|---|---|
| Personal cards covered | 6: Altitude Connect, Altitude Go, Cash+, Secured Visa, Shield, Smartly |
| Rewards programs | Real-Time Rewards, U.S. Bank Cash+ Program, U.S. Bank Smart Rewards |
| Card catalog | usbank.com |
What to know about U.S. Bank cards
The catalog groups the Altitude Go Secured, Cash+ Secured and Secured Visa as credit-building cards, also called secured cards 1. The Altitude Go and Cash+ each have a secured counterpart that lists the same earning rates as the unsecured card 1. Among the unsecured cards, the Smartly earns unlimited 2% cash back with higher tiers for Smartly deposit customers, Altitude Go and Altitude Connect earn points, Cash+ earns cash back in chosen categories, and the Shield card's listed reward is 4% cash back on prepaid air, hotel and car reservations booked in the Travel Center 1.
Cash+ uses the U.S. Bank Cash+ program, in which cardholders choose their 5% and 2% categories each quarter 4. Real-Time Rewards, offered on several U.S. Bank cards, lets an enrolled cardholder reply REDEEM to a text after a purchase and apply rewards to it as a statement credit, but only when the balance covers the entire purchase 1. U.S. Bank Smart Rewards is a separate relationship program that adds perks such as cash-back deals for customers with a Smartly Checking account and a U.S. Bank credit card 1.
Card benefits are found through usbank.com/credit-cards/benefits.html, where each card has a View card benefits link to its page in the U.S. Bank Benefits Center 2. Only the Altitude Connect and Shield cards have card-specific Guides to Benefits; the Smartly, Altitude Go and Cash+ link the general Visa Signature guide, and the secured cards link only the Roadside Dispatch guide 678101112139. Each guide names its own Benefit Administrator numbers, such as 1-800-397-9010 in the Visa Signature guide and 1-800-992-6029 for Travel and Emergency Assistance 5.
Many older cards appear on the same benefits page as no longer accepting new applications, including the Altitude Reserve Visa Infinite, the Altitude Go World Elite Mastercard, the Shopper Cash Rewards Visa Signature, the Visa Platinum and an earlier version of the Smartly card for applications made before 4/14/25 2. Each of them still has a View card benefits link there for existing cardholders 2. U.S. Bank's partner cards listed on its co-branded page are the Harley-Davidson and Korean Air SKYPASS cards 3.
U.S. Bank cards compared
| Card | Annual fee | Foreign fee | Rewards |
|---|---|---|---|
| U.S. Bank Altitude Connect Visa Signature Card | $0 | None | Earns 5X points on prepaid hotels and car rentals booked in the U.S. Bank Travel Center, 4X on travel, 4X at gas stations and EV charging stations on the first $1,000 each quarter, 2X on dining, grocery stores and streaming, and 1X on all other eligible purchases. |
| U.S. Bank Altitude Go Visa Signature Card1 other version | $0 | 3% | Earns 4X points on dining (first $2,000 each quarter), 2X at grocery stores, gas/EV charging stations and on streaming services, and 1X on all other eligible purchases. |
| U.S. Bank Cash+ Visa Signature Card1 other version | $0 | 3% | Earns 5% cash back on the first $2,000 in combined purchases each quarter in two categories you choose, 5% on prepaid Travel Center bookings, 2% in one everyday category you choose, and 1% on everything else; categories must be selected each quarter. |
| U.S. Bank Secured Visa CardSecured card | $0 | 3% | No rewards program is described for this card. |
| U.S. Bank Shield Visa Card | $0 | 3% | Earns 4% cash back only on prepaid air, hotel and car reservations booked in the U.S. Bank Travel Center; no other earning rate is stated. |
| U.S. Bank Smartly Visa Signature Card | $0 | 3% | Earns unlimited 2% cash back (as points) on eligible purchases, rising to 2.5%, 3% or 4% total on the first $10,000 in eligible purchases each billing cycle with a U.S. Bank Smartly Savings account and qualifying Smartly Checking/Safe Debit balances. |
Benefits by card
A tick means U.S. Bank lists the benefit for that card; open the card for its limits and conditions.
| Card | Rental car coverage | Trip cancellation and interruption | Trip delay | Cell phone protection | Purchase protection | Extended warranty | Airport lounge access | Global Entry or TSA PreCheck credit |
|---|---|---|---|---|---|---|---|---|
| Altitude Connect | Not listed | Listed | Listed | Not listed | Not listed | Not listed | Listed | Listed |
| Altitude Go | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed |
| Cash+ | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed |
| Secured Visa | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed |
| Shield | ListedPrimary abroad | Not listed | Not listed | Listed | Listed | Listed | Not listed | Not listed |
| Smartly | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed |
1 of 6 U.S. Bank cards we cover charge no foreign transaction fee.
Rewards programs
| Real-Time Rewards | Redemption method on several U.S. Bank cards: after enrolling, cardholders receive a text after a purchase and reply REDEEM to apply rewards toward it.1 |
|---|---|
| U.S. Bank Cash+ Program | Quarterly choose-your-category cash back program used by the Cash+ Visa Signature and Cash+ Secured Visa cards.4 |
| U.S. Bank Smart Rewards | Relationship program giving perks (such as cash-back deals) to customers with a U.S. Bank Smartly Checking account and credit card.1 |
Cards not covered here
This site covers U.S. Bank’s own-brand personal cards. These cards in U.S. Bank’s catalog are outside that scope, mostly because their benefits belong to an airline, hotel or retail partner’s program:
- U.S. Bank Altitude Go World Elite Mastercard (personal card no longer accepting new applications (listed under 'U.S. Bank Personal Credit Cards (no longer accepting new applications)'))
- U.S. Bank Altitude Reserve Visa Infinite Card (personal card no longer accepting new applications (listed under 'U.S. Bank Personal Credit Cards (no longer accepting new applications)'); its former product URL now redirects to the catalog)
- U.S. Bank Cash Rewards Visa Card (personal card no longer accepting new applications (listed under 'U.S. Bank Personal Credit Cards (no longer accepting new applications)'))
- U.S. Bank Cash+ Visa Card (personal card no longer accepting new applications (listed under 'U.S. Bank Personal Credit Cards (no longer accepting new applications)'))
- U.S. Bank Classic Visa Card (personal card no longer accepting new applications (listed under 'U.S. Bank Personal Credit Cards (no longer accepting new applications)'))
- U.S. Bank College Visa Card (personal card no longer accepting new applications (listed under 'U.S. Bank Personal Credit Cards (no longer accepting new applications)'))
- U.S. Bank FlexPerks Reserve Visa Infinite Card (personal card no longer accepting new applications (listed under 'U.S. Bank Personal Credit Cards (no longer accepting new applications)'))
- U.S. Bank FlexPerks Select Rewards Visa Card (personal card no longer accepting new applications (listed under 'U.S. Bank Personal Credit Cards (no longer accepting new applications)'))
- U.S. Bank FlexPerks Travel Rewards Visa Signature Card (personal card no longer accepting new applications (listed under 'U.S. Bank Personal Credit Cards (no longer accepting new applications)'))
- U.S. Bank Perks+ Visa Signature Card (personal card no longer accepting new applications (listed under 'U.S. Bank Personal Credit Cards (no longer accepting new applications)'))
- U.S. Bank Perks+ Visa Card (personal card no longer accepting new applications (listed under 'U.S. Bank Personal Credit Cards (no longer accepting new applications)'))
- U.S. Bank Select Rewards Visa Card (personal card no longer accepting new applications (listed under 'U.S. Bank Personal Credit Cards (no longer accepting new applications)'))
- U.S. Bank Smartly Visa Signature Card (applications prior to 4/14/25) (earlier version of the Smartly card for applications before 4/14/25; listed under no longer accepting new applications)
- U.S. Bank Visa Platinum Card (personal card no longer accepting new applications (listed under 'U.S. Bank Personal Credit Cards (no longer accepting new applications)'); its former product URL now redirects to the Shield Visa Card page)
- U.S. Bank Shopper Cash Rewards Visa Signature Card (personal card no longer accepting new applications (listed under 'U.S. Bank Personal Credit Cards (no longer accepting new applications)'); its former product URL now redirects to the catalog)
- H-D Visa Signature Card (co-branded/partner card (Harley-Davidson))
- Harley-Davidson H.O.G. Elite Visa Signature Card (co-branded/partner card (Harley-Davidson))
- Skypass SkyBlue Visa Card (co-branded/partner card (Korean Air SKYPASS))
- Skypass Visa Signature Card (co-branded/partner card (Korean Air SKYPASS))
- Skypass Select Visa Signature Card (co-branded/partner card (Korean Air SKYPASS))
- U.S. Bank Business Essentials Visa Card (business card)
- U.S. Bank Business Essentials Plus Visa Signature Card (business card)
- U.S. Bank Business Altitude Connect Card (business card)
- U.S. Bank Business Triple Cash Rewards Card (business card)
- U.S. Bank Business Shield Card (business card)
- U.S. Bank Community Card (business card (specialty product via banker))
- U.S. Bank Community Rewards Card (business card (specialty product via banker))
- U.S. Bank Business Altitude Power Card (business card (specialty product via banker; an earlier version is listed as no longer accepting applications))
- U.S. Bank Business Leverage Visa Signature Card (business card, no longer accepting new applications)
- U.S. Bank Business Platinum Card (business card, no longer accepting new applications)
- U.S. Bank Business Mastercard (business card, no longer accepting new applications)
- U.S. Bank Business Select Rewards Card (business card, no longer accepting new applications)
- U.S. Bank FlexPerks Business Travel Rewards Card (business card, no longer accepting new applications)
- U.S. Bank FlexPerks Business Select Rewards Visa Card (business card, no longer accepting new applications)
- U.S. Bank Business Company Rewards Card (business card, no longer accepting new applications)
- U.S. Bank Business Company Card (business card, no longer accepting new applications)
- U.S. Bank Business Travel Card (business card, no longer accepting new applications)
Sources
- 1 U.S. Bank, Credit Cards | U.S. Bank Checked Oct 10, 2026 · Back to text ↑
- 2 U.S. Bank, Credit Card Benefits | U.S. Bank Checked Oct 10, 2026 · Back to text ↑
- 3 U.S. Bank, Co-branded credit cards | Your rewards credit card | U.S. Bank Checked Oct 10, 2026 · Back to text ↑
- 4 U.S. Bank, U.S. Bank Cash+ Secured Visa Card Terms and Conditions Checked Oct 10, 2026 · Back to text ↑
- 5 U.S. Bank, Guide to Benefits for Visa Signature Cardholders (SHR-CON-VS 01/25) Checked Oct 10, 2026 · Back to text ↑
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Each card page lists the sources for that card’s fees and benefits.
Has U.S. Bank changed a card? Report an error