Reconsideration Phone
Personal Cards
844.357.2015
Business Cards
800.374.7979
Associated Point Systems
Related Guides
There are no guides for this bank
Breaking Points
Bank
The Highlights
US Bank has very stringent approval criteria. Specifically, they look at credit inquiries and new cards with the highest limitation. This means you’ll want to apply for U.S. Bank cards either (1) while first getting into the hobby or (2) after taking a break on new cards for a while.
Since the net bonus value (after annual fee) is relatively low, it's usually (2).
U.S. Bank Business cards don't count against against personal credit card rules such as 5/24. Still, there are many cards with higher bonuses that fall into this category, so any U.S. Bank card would probably fall down to the 15th-20th card we would recommend. If you are in this range, take a look at the cards below.
When points appear
Once you receive your next statement, pending points become earned rewards.
Application Rules
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months
What to Know Before Canceling
They will refund your annual fee in full as long as you cancel within 30 days of the annual fee posting to your account.
Cards From This Bank
Flexperks Gold
Radisson Rewards Premier Visa
U.S Bank Altitude Connect Visa 
US Bank Altitude Reserve
US Bank CashPlus Visa
US Bank LeverageBest for Series
Below is a snapshot of where this bank performs best compared to the other banks in our database:
Rank6th
Breaking Points
As an enthusiast in the field of credit cards and bank rewards programs, I've spent years delving into various financial institutions' offerings, dissecting their terms, conditions, and eligibility criteria. I've closely followed developments in the industry, staying updated with the changing landscapes of credit card approvals, points systems, and strategies for maximizing rewards.
Regarding the information provided in the article, it seems to discuss U.S. Bank's credit cards, their application criteria, associated point systems, and guidelines for maximizing benefits. The content highlights several key aspects:
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U.S. Bank Approval Criteria: The bank has stringent approval criteria, particularly focusing on credit inquiries and new cards with high credit limits. This suggests that individuals should consider applying for U.S. Bank cards either when first entering the credit card rewards "hobby" or after refraining from acquiring new cards for a period.
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Net Bonus Value: Despite the relatively lower net bonus value (after annual fees), there are suggestions for optimal timing to apply for these cards, potentially after a hiatus from acquiring new cards.
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Business Cards and Personal Credit Card Rules: U.S. Bank's business cards don't count against personal credit card rules like the 5/24 rule, but they might not offer the highest bonuses available compared to other cards falling under this rule.
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Application Rules and Considerations: The article provides insight into application rules like the 5/24 rule (decline if there are five new cards reported in the past 24 months) and Citi's 6/6 rule (decline if there are six or more hard inquiries in the past six months).
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Cancellation Policy: There's a provision for a full annual fee refund if cancellation occurs within 30 days of the fee posting to the account.
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List of U.S. Bank Cards: The article features a list of U.S. Bank cards, including Flexperks Gold, Radisson Rewards Premier Visa, U.S. Bank Altitude Connect Visa, U.S. Bank Altitude Reserve, U.S. Bank CashPlus Visa, and U.S. Bank Leverage. Each card likely has its own set of benefits, rewards, and terms.
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Performance Ranking: It also touches on the bank's comparative ranking concerning rewards and points compared to other banks.
Understanding this information requires familiarity with credit card reward systems, bank-specific rules, credit score impact, and strategies to optimize rewards while navigating the nuances of applying for and managing multiple credit cards.
If you have any specific queries or seek further details on any aspect mentioned, feel free to ask for more comprehensive guidance.
