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 18.49% to 28.49% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. (terms accurate as of 10/2026) after a 0% intro APR on purchases for the first 12 billing cycles; 0% intro APR on balance transfers for the first 12 billing cycles for balances transferred within 60 days from account opening introductory rate for 12 months. Approval typically requires a credit score of Good to excellent range ("In general, our credit card products are for customers with a credit score in the good to excellent range.") or higher. Signup bonus: Earn a bonus that has increased from $150 to $200 cash back.. Rewards: Unlimited 2% cash back on every purchase (2 points per $1 in eligible net purchases); up to an additional 2% on the first $10,000 in eligible net purchases each billing cycle with a Smartly Savings account plus qualifying balances in Smartly Checking and/or Safe Debit (total 2.5% at $10,000-$49,999, 3% at $50,000-$99,999, 4% at $100,000+); points expire after 12 consecutive statement cycles with no reward, purchase or balance activity. Cash back: 2% on every purchase. Typical credit limit: $300 to $5,000. Loan terms: Revolving personal credit card; due date 24-30 days after the close of each billing cycle; no interest on new purchases if the entire balance (or Plan Adjusted Balance) is paid in full by the due date; interest on cash advances and balance transfers from the transaction date; minimum interest charge $1; optional ExtendPay fixed-payment plans. 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. [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.