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 variable APR, currently $ after a 0% intro APR introductory rate for 12 months. Approval typically requires a credit score of good to excellent range or higher. Signup bonus: Earn a bonus that has increased from $150 to $200 cash back.. Rewards: Earn unlimited 2% cash back on every purchase.. Cash back: 2% on every purchase. Typical credit limit: $300 to $5,000. This product reports activity to your personal credit report. 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. [SOFT PULL ONLY] | Pre-qualification available (soft pull) | EXPERT REFERENCE (Mar 2026): U.S. Bank is one of the most reliable TransUnion pullers with 0% APR cards, cashback cards, travel cards, and strong secured options.