Best US bank credit cards for August 2022

How to Choose the Best US Bank Credit Card

Here’s how to find the best US Bank credit card for you:

  1. Decide what type of credit card you want.
  2. Select US Bank credit cards in this category.
  3. Compare the cards and choose your favorite.

By choosing a type of the map first, you can narrow down your options. Here are the types of credit cards offered by US Bank:

If you’re not sure which type of card is right for you, think about the main reason you’re getting a new credit card.

Do you want to earn rewards on qualifying purchases? Cash rewards cards and travel rewards cards are both good options. Are you trying to build credit? A secured credit card, which requires a security deposit to open, is usually easy to get even if you have no credit history. Looking for a good APR credit card? Start with a card that offers an introductory APR of 0%.

After choosing a card type, you can compare US Bank credit cards that suit your needs. See what they offer and choose the one you like the most. To quickly compare multiple credit cards, use The Ascent’s credit card comparison tool.

What credit score do you need for a US Bank credit card?

The credit score you need for a US Bank credit card varies by card. US Bank offers credit cards for consumers in all credit ranges, including those with low credit scores or no credit history. Getting a credit card approved is all about finding the right card for your situation.

The easiest credit cards to get with US Bank are its secured credit cards. To open a US Bank secured card, you must pay a security deposit equal to the starting credit limit. This type of card is the best choice if your credit score is below 600 or if you don’t have a lot of credit history yet.

Learn more: Secured or Unsecured Credit Cards: Which Should You Get?

If you have a higher credit score, you may qualify for a US bank card with more features. The best cards from the card issuer generally require a credit score of at least 670.

How to Maximize US Bank Credit Card Rewards

Here are some tips to help you maximize your US Bank credit card rewards.

Choose the right card

Each US Bank rewards card has bonus categories where it earns more. You can find cards that pay extra on meals, travel, and even in the bonus categories you choose. Pick a card with a bonus category (or multiple categories) where you typically have high monthly spend in order to earn more rewards.

Get a sign-up bonus

Several US bank cards offer valuable sign-up bonuses. A sign-up bonus is a special offer for new cardholders, such as 50,000 points for spending $3,000 within the first 120 days of account opening. Choose a card with a good bonus and make sure you spend enough to benefit from it.

Put every purchase on your US bank card

You earn rewards on your purchases, so take full advantage of it. Use your US Bank rewards card for all your expenses. Avoid using your debit card or cash, as you won’t earn points or cash back this way.

Pay your credit card bill in full

Earning rewards is great, but to make those rewards worthwhile, you also need to avoid credit card interest charges. Each time you pay your credit card bill, pay the full statement balance. If you do, you won’t have any interest charges on your purchases.

Redeem rewards for maximum value

Learn about the different ways to use your card rewards and the value they offer. It’s quite simple with a cashback card. You can redeem this as a credit on your credit card bill or as a direct deposit to a bank account with US Bank. If you have a card that earns rewards points, there may be a variety of redemption options.

A final strategy that works well for maximizing credit card rewards is to get more than one credit card. If you have multiple US Bank credit cards, you can get more sign-up bonuses and earn bonus rewards in more spending categories.

Managing multiple credit cards is more difficult than managing just one. If you think having multiple cards might cause you to spend more or you might miss payments, it’s best to stick with just one. But if you’re sure that won’t be a problem, you may eventually want to add another US bank card to your wallet.

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