The U.S. Bank is a personal credit card from U.S. Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 17.24% to 28.24% variable (terms accurate as of 10/2026) after a 0% intro APR on purchases and balance transfers introductory rate for 21 months. Approval typically requires a credit score of good to excellent range or higher. Signup bonus: $20 annual statement credit for 11 consecutive months of purchases.. Rewards: 4% cash back on prepaid air, hotel and car reservations booked directly in the Travel Center when you use your card.. Cash back: 4% cash back on prepaid air, hotel and car reservations booked directly in the Travel Center when you use your card.. Loan terms: Revolving credit card; average daily balance (including new purchases). This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: • 5/12 Rule: May deny if 5+ cards opened (any issuer) in past 12 months. Business cards may be exempt. • No repeat welcome bonus if you currently have same card open. Business cards unaffected. • No known velocity limits. Limits total credit — reallocating credit may help with recon. • Personal = usually Experian/TransUnion. Business = TransUnion. • Status & Recon: (800) 947-1444 (press "1" for status). Recon: (800) 947-1444. Formerly US Bank Business Platinum. 0% intro APR for 12 billing cycles (online) or 18 billing cycles (in-branch). No annual fee.