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 17.74% to 27.74% variable (terms accurate as of 10/2026) after a 0% intro APR on purchases and balance transfers introductory rate for 15 months. Approval typically requires a credit score of good to excellent range or higher. Signup bonus: 20,000 bonus points after $1,000 in Net Purchases within 90 days of account opening. Rewards: 5X points on prepaid hotels and car rentals booked in the Travel Center; 4X points on travel; 4X points at gas stations and EV charging stations on the first $1,000 each quarter; 2X points on dining, streaming services and at grocery stores (excluding discount stores/supercenters and wholesale clubs); 1X point on all other eligible purchases. 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. Ideal for travelers who want solid 0% APR flexibility combined with powerful perks and global value. PNC Spend Wise Visa Credit Card. BT Fee: 5% of each transfer amount, $5 minimum. Post-intro APR: Around 18.24%–28.24% variable