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 17.99% to 28.24% 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: $200 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening. Rewards: 5% cash back on the first $2,000 in combined eligible purchases each quarter in two categories you choose; 2% cash back on one everyday category you choose (gas stations and EV charging stations, grocery stores, or restaurants); 1% cash back on all other eligible purchases; 5% cash back on prepaid air, hotel and car reservations booked in the Travel Center. Loan terms: Revolving credit card; average daily balance (including new purchases). Soft-pull pre-qualification is available — no hard inquiry to check approval odds.