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us bank card balance

It is not a credit card, but works similarly to other prepaid debit cards. How do I check my balance? Online – View account online at www.usbankreliacard. To request a replacement card, call U.S. Bank ReliaCard® at 888-233-5916 (one card per year Access your balance and account information at no charge at. The U.S. Bank Managed Spend Card is a special purpose commercial card that is uniquely designed for out-of-the-ordinary one-time expenses.

Us bank card balance -

Availability of insurance benefits on your card may vary by card issuer. Please refer to your issuing financial institution for complete insurance benefit coverage terms, conditions and exclusions.

MASTERCARD BENEFIT INQUIRIES

Within the U.S.: 1-800-Mastercard (1-800-627-8372)

Military checking benefits

What is a debit card?

A debit card is a payment card that deducts money directly from your checking account to pay for purchases instead of using cash. U.S. Bank issues a debit card that is directly connected to your checking account. A debit card can also be used to get cash and make other ATM transactions. U.S. Bank debit cards offer zero fraud liability and security with contactless and mobile payments.

Whatever you need, your debit card is a great way to pay.

From coffee to lunch, you can use your card at your favorite retailers and restaurants. So it's perfect for those little purchases you make every day.

You're in control with the U.S. Bank Visa Debit Card.

Use it anywhere Visa debit cards are accepted worldwide, including millions of retailers, ATMs, online or over the phone.

Skip the ATM – and save time.

By using your card instead of cash, you eliminate extra trips to the ATM. It’s a simple way to save time and money every day.

Track every transaction.

Purchases are withdrawn directly from your checking account, and you can track transactions and balances easily online or on your mobile phone.1 You can also set email and text alerts for important transactions and low balances.2

Know you're protected.

With your U.S. Bank Visa Debit Card, you can count on built-in fraud protection. Unlike cash, you’re protected if your card is ever lost or stolen – and with zero fraud liability, you’re not responsible for any unauthorized purchases.3

How to get a debit card

If you have a U.S. Bank checking account, you can request a debit card by logging in to the mobile app (go to Manage cards) or online banking (go to Customer Service). You can also ask for a new card by calling 800-872-2657 or visiting any U.S. Bank branch.

Need a checking account? If you don’t have a U.S. Bank checking account, apply for a new account and then ask for a U.S. Bank Visa Debit Card.

Apply now

Choose your debit card design.

Let your personality shine through with one of these designer or team-affiliated options, including our eco-friendly debit cards made from recovered ocean-bound plastic. Just ask for your favorite design when you request your debit card.

Designer options

University of Wisconsin-Stevens Point Pointers

San Diego State University

California State University Fullerton Titans

University of Wisconsin-Eau Claire

Second Wave turtle logo Look for the Second Wave™ turtle logo to easily identify eco-friendly debit card options.

Источник: https://www.usbank.com/bank-accounts/checking-accounts/debit-cards.html

U.S. Bank Review

Who Is U.S. Bank Best For?

U.S. Bank should appeal to most consumers who want a traditional branch banking experience. It may be a good fit if you:

  • Prefer in-person banking and free ATM access 
  • Want a one-stop place to do all of your banking
  • Are located in the Western part of the country
  • Are a student or over 65 years of age
  • Can meet the requirements to avoid monthly account fees

What Does U.S. Bank Offer?

U.S. Bank offers a full suite of accounts and services, with several options to meet customers’ specific needs.

Accounts

  • Checking accounts
  • Savings account
  • Money market accounts 
  • Certificates of deposit
  • Credit cards

All account rates and terms below are effective as of August 18, 2021. 

Checking Accounts

U.S. Bank has five checking options depending on the account level you need. All accounts have free ATM access for U.S. Bank locations, and each is FDIC-insured up to $250,000:

U.S. Bank Checking Accounts
Account NameMonthly FeeConditions to Waive FeeATM Fee Waivers for Non-U.S. Bank Transactions
Easy Checking$6.95Combined monthly direct deposits totaling $1,000 or more; an average account balance of $1,500; or if you’re age 65 or older  None
Gold Checking$14.95If you have an open U.S. Bank personal loan, line, mortgage, or credit cardTwo per statement period
Platinum Checking$24.95$25,000 in combined personal deposits, credit balances with U.S. Bank and/or investments through U.S. Bancorp Investments; a personal trust relationship with U.S. Bank Wealth Management; Current or former member of the Armed ForcesNo limit
Student Checking$0No feesFour per statement period
Safe Debit Account$4.95Fee cannot be waivedNone

If you also open a savings account with U.S. Bank, you can set it up for overdraft protection to cover any negative checking balances.

Easy Checking

This account is ideal for seniors over 65, or anyone who can have the required direct deposits go into the account in order to waive the monthly fee. You won’t get any non-U.S. Bank fee waivers for ATM transactions, however.

Gold Checking

If you have a deeper relationship with U.S. Bank– a personal loan, line of credit, mortgage, or credit card–you may consider this account upgrade. Added benefits include 100 free trades per year and two free Easy Checking accounts for family members.

Platinum Checking

For account holders with large balances, this level of checking may be warranted (otherwise, you’ll be stuck with a $24.95 fee). There are no limits on outside ATM transaction fee waivers, and you’ll earn a bit of interest (0.01%).

Student Checking

If you’re a student, this is the way to go. No monthly maintenance fee, and four freebies if you use a non-U.S. Bank ATM. You’ll also get your first set of checks free.

Safe Debit Account

If you don’t really need paper checks, but still want to do online and mobile banking, this could be an appealing account. However, the $4.95 fee per month is a turnoff since there is no way to avoid it.

Savings Account

U.S. Bank has just one option for a regular savings account, requiring a $25 minimum opening deposit. There won’t be much earning going on, however, since the APY is just 0.01% (as of Mar. 25, 2021). There are three ways to waive the account’s $4.95 monthly maintenance fee:

  • Keep a $300 minimum daily balance (including daily credit and debits) 
  • Have a $1,000 average monthly collected balance
  • Be younger than 18

If you don’t plan to keep your savings account balance high enough to avoid the monthly fee, and given the fact that the interest rate is so low, you may want to look for better terms elsewhere.

Money Market Accounts

U.S. Bank has four money market account options; two of them require you to be a specific checking account holder (rates as of August 18, 2021): 

U.S. Bank Money Market Rates
Account NameMonthly FeeMinimum Opening DepositAPY
Platinum Select Money Market Savings (Exclusively for Platinum Checking Package customers)$0$25

0.01%


Package Money Market Savings (Exclusively for Gold Checking Package customers)

$0$25
0.01%
Elite Money Market Account$10 (can be waived with a $10,000 minimum daily ledger balance)$100
0.01%
Retirement Money Market Account$0$100
0.01%

The Money Market accounts don’t have a lot of distinguishing features beyond a slight difference in the minimum opening deposits, and some are exclusive to certain U.S. Bank account holders. Only the Elite MMA has a fee, but it can be waived. Otherwise, APYs are the same.

Certificates of Deposit 

U.S. Bank provides a bit more earning potential with its CDs (rates as of August 18, 2021), especially through its CD Specials.

CD Special options, all of which require a $1,000 minimum deposit, include:

U.S. Bank CD Special Rates
TermRate
17-month0.15%
37-month0.30%
47-month0.50%
59-month0.75%

Regular CDs offer the following rates for deposits of $500-$250,000, include:

U.S. Bank Regular CD Rates
Term (months)Rate
10.05%
20.05%
30.05%
60.05%
90.05%
120.05%
180.05%
240.05%
360.10%
480.15%
600.25%

There’s also a Step Up CD, requiring a deposit of $1,000-$250,000. Its rates increase every seven months for 28 months:

  • 0.05% for first 7 months
  • 0.25% for next 7 months
  • 0.45% for next 7 months
  • 0.65% for next 7 months

Finally, you can choose a Trade Up CD, which allows you a one-time rate increase if a higher rate comes along during your term. These CDs are either 30 or 60 months, with a 0.10% and 0.40% APY respectively. U.S. Bank requires a deposit of $1,000-$250,000.

For all U.S. Bank CDs, an early withdrawal penalty will be applied if you don’t leave the money in the account for the full term. Each penalty includes a $25 fee. Plus, you'll pay 1%-3% of the withdrawal amount or 50%-100% of the interest you'd earn for the full term of the CD, whichever is greater.

Credit Cards

U.S. Bank currently offers five different credit cards to appeal to a range of consumers:

Other Financial Products From U.S. Bank

In addition to everyday bank accounts, U.S. Bank also offers an array of lending and investing products and services including:

  • Purchase mortgages
  • Refinance mortgages
  • Home equity loans
  • Auto loans
  • Boat & RV loans
  • Personal loans
  • IRAs
  • Online investing with guidance
  • Self-directed investing
  • Trust and estate services
  • Business planning
  • Charitable giving
  • Insurance
  • Specialty asset management

U.S. Bank ranked better than average or better in the regions in which it was rated in J.D. Power’s 2021 U.S. Retail Banking Satisfaction Study. Customer service options are typical, and there is lots of self-help/FAQ support on the website. There is no live chat support feature but U.S. Bank has a Twitter account (@askUSBank) set up specifically for customer questions.

The U.S. Bank mobile app offers useful features including mobile check deposits, the ability to send and receive funds from family and friends via Zelle, account management, and more. You can also control all of your U.S. Bank accounts and credit cards from the same app, and get alerts and notifications.

How to Bank With U.S. Bank

Opening a bank account with U.S. Bank is simple. Customers can go into a branch, or open an account online. Be prepared to provide your identification and the required minimum deposit (either with a credit, debit, prepaid card, or transfer from another bank account).

The Final Verdict

BENEFITS

U.S. Bank is a good choice for those who enjoy a traditional banking experience, along with the convenience of online and mobile banking for when they want to bank digitally. If you like having all banking accounts and services in one place, U.S. Bank should have everything you need. It’s best suited for those who plan to maintain their accounts in such a way as to avoid monthly maintenance fees. It’s also ideal for students and seniors over 65 for whom account fees are waived.

DRAWBACKS

If you’re looking for competitive APYs and interest rates, other banks have better rates when it comes to deposit accounts. It does a bit better with its CD Specials, but still, there are higher-earning options to be found. In addition, for those whose checking and savings balances often dip low, that will likely mean paying monthly maintenance fees. Such expenses should typically be avoided if possible.

Источник: https://www.thebalance.com/u-s-bank-review-4846463

TRANServe

The TRANServe Credit Card provides TRANServe’s many Customer Agencies and our Federal workforce; with unprecedented funding flexibility and expedited benefit delivery. By partnering with GSA's SmartPay3 Program, TRANServe leverages the world’s largest government charge card and commercial payment solutions program. More than 560 Federal agencies choose the GSA SmartPay platform to support their missions.

Easier than ever before

Better than ever before

THE TRANServeCARD

Provides Nationwide Transit Benefit Payments

(Has no impact on SmarTrip Card Holders using SmartBenefits)

ATTENTION ALL TRANServe CARD USERS! 

Prompt Action Required: Effective June 15, 2020, US Bank is requiring Multifactor Authentication (MFA) to access US Bank’s Access Online

Here's What you need to know to:  Activate it, Register it, Use it, Replace it, Understand it 

Activate It

Click here to read the U.S. Bank TRANServe Cardholder Agreement 

Question:  How do I activate the TRANServe Credit Card?

Answer:  Activate your TRANServe Credit Card by dialing the Customer Service number on the back of the card . The Interactive Voice Response system will lead you through the automated process. (Hearing impaired may call 1-888-994-6722 or 711).

When calling to activate your TRANServe Card, be prepared to set your PIN by providing your 16-digit card number, agency assigned zip code, single purchase limit and agency assigned phone number. If your TRANServe Credit Card shipped directly to your residence use your residential zip code.

The single purchase limit is your monthly certified amount approved for your transit benefit, rounded to the next dollar. For example, your actual commuting expenses are $193.01.  The transit benefit approved by your agency is the $193.01.  The single purchase limit is $194.  This amount should not exceed the current statutory limit, which is $270.

If you do not know this information please contact your Agency Point of Contact.

Question:  What is a PIN and when do I use it?

Answer: A PIN is a four-digit number that you create for yourself when you activate your account.  Keep your PIN in a secure location and keep it private.  You will only need this PIN if your mass transit provider requires Chip and PIN to complete your purchase.

Register It

Click here to see U.S. Bank Access Online TRANServe Cardholder Registration Instructions 

Question: How do I register my TRANServe Credit Card?

Answer: Cardholders can register their TRANServe Credit Card through U.S. Bank Access Online(https://www.access.usbank.com). You must have your organizational short-name (TRANSV) and account information readily available when you register. (Account number and Card expiration date). For more card registration details please reference theU.S. Bank Access Online Registration Quick Start Guide .

Use It

Question:  When I should use my monthly benefit to purchase my ticket, pass or other fare media?

Answer:To ensure processing, please purchase your tickets, passes or other fare media by the 4th of each month to prevent a disruption in your following month's benefit. 

Question:  How can participants check their TRANServe Credit Card balance?

Answer: Here are four ways to keep track of your account balance

1. Mobile app1: download the U.S. Bank Access® Online Mobile app from the Apple App® or Google Play™ stores.

2. Alerts: Log into Access Online at access.usbank.com, then go to My Personal Information

3. Online: Visit access.usbank.com  (Only for Agencies who use TRANServe’s Electronic Application System.)

4. Phone: To hear your balance call 1-888-994-6722 or 711 for the hearing impaired.  You must have your TRANServe Credit Card number available prior to calling. If you do not have your card number please contact your agency assigned Point of Contact.

NOTE: Participants whose agency does not use TRANServe’s Electronic Application System can check their credit card balances by using option 4 only.

Question:  Can participants add their own funds or change the credit limit amounts on their TRANServe Credit Card by calling customer service?

Answer: No. If you require an adjustment to your credit limit, please contact your assigned agency Point of Contact and follow the procedures in updating your monthly benefit.

Question:  Can I use the TRANServe Credit Card for non-transit expenses?

Answer: No. It is fraudulent to use the transit benefit for any purpose other than your home to work to home mass transit commute. Federal Employees certify to this when they submit their transit benefit applications. At each swipe of the TRANServe Credit Card, each participant personally certifies that they are using the transit benefit appropriately.

The TRANServe Credit Card will only authorize transactions to vendors that are identified as Transit Authorities through their Merchant Category Code (MCC).

Question:  When does the Transit Benefit become available on the TRANServe Credit Card?

Answer: As soon as you activate it, the Transit Benefit amount authorized by your employing agency is assigned to your TRANServe Credit Card.  This “Credit limit amount” will refresh on the 10th day of each month so you can purchase the following month’s fare.  For instance, a credit limit set on your TRANServe Credit Card on July 10th is to purchase August tickets, passes or other fare.

Question:  Why does the TRANServe Credit Card have restrictions?

Answer: The TRANServe Credit Card is restricted to purchases against approved Transit Authority Merchant Category Codes (MCCs). Restricted MCCs are one control mechanism built into the TRANServe Credit Card to address regulatory compliance.  The restricted MCCs safeguard the transit benefit from fraud, waste, and abuse.  Attempts to use the TRANServe Credit Card in a retail network will be declined and are reportable back to your employing agency.

Question:  What if my TRANServe Credit Card is not accepted?

Answer: If you are attempting to use your TRANServe Credit Card at a valid Transit Authority and the card is not accepted, you should contact US Bank Customer Service at 1-888-994-6722 or 711 for the hearing impaired. If Customer Service cannot resolve your situation, please contact your Agency’s Transit Benefit Program Point of Contact.

Lost it

Question:  What do I do if my TRANServe Credit Card is lost, stolen or damaged?

Answer: Notify US Bank Customer Service to initiate the replacement process if a card is lost, stolen, or damaged.  The number is 1-888-994-6722 or 711 for the hearing impaired.

A replacement card will be issued and the balance of your unused available credit will transfer to the new TRANServe Credit Card.

Replace It

Question:  Why isn’t my full name on my TRANServe Credit Card?

Answer: The TRANServe Credit Card has a 21-character limit (including spaces).   If your full name exceeds the maximum character limit, it is truncated to fit the card using these methods to make it fit:

  1. Remove the middle initial
  2. Use the first character of the first name
  3. Truncate the last name

If your last name is exactly 21 characters, only your last name will appear on the card.

Question:  If my TRANServe Credit Card is inaccurate (i.e. wrong name, misspellings) how can I get this corrected?

Answer: Log in to TRANServe’s Electronic Application.

Select “My Account” to update your name, email address or phone number.

If your name is correct here, and your full name is greater than 21 characters, the bank truncated your name to fit it on the card.  If your full name is less than 21 characters, contact your Assigned Agency POC.

If your Agency does not use TRANServe’s Electronic Application yet, inform your Assigned Agency Point of Contact.  Ask them to contact their TRANServe Transit Benefit Manager to request correction. Once your POC confirms your transit benefit record is correct, you may request a card replacement by calling US Bank Customer Service at 1-888-994-6722 or 711 for the hearing impaired.

Question:  How long does it take to get a replacement card?

Answer: Once you have contacted Customer Service and ordered a replacement card, the TRANServe Credit Card generally arrives within five to seven calendar days. 

Question:  Will the replacement card have a new card number?

Answer: Replacement cards will have a new card number only if it is lost, stolen or replaced due to fraud. Anyone who pays using an online profile must update it with his or her new card number and expiration date before making his or her next payment.

More Good Questions

Question: What is the difference between credit limit, available balance, and current balance? Which do I use to check for the available credit balance on my TRANServe Credit Card?

Answer: Credit Limit-The dollar value of the maximum spending limit associated with a cardholder ‘s account for the current monthly benefit cycle (10-9th).

            Available Credit- An authorization limit that is the dollar value of the remaining available credit associated with a cardholder’s account. Please reference this amount when checking for the available credit                       balance on your TRANServe Credit Card.

           Current Balance-The dollar value of the amount used by the cardholder during the current monthly benefit cycle (10th-9th).

Question:  Does the new TRANServe Credit Card have the same number as the Old TRANServe Debit Card?

Answer: No. Your New TRANServe Credit Card will have a different number than the TRANServe Debit Card. To prevent declined transactions, everyone who uses online or mail order payments must act to update the existing payment information with the NEW card number and the NEW expiration date as soon as you receive it.  This will help ensure upcoming transactions are successful.

Question:  When do TRANServe Credit Cards expire?

Answer: Check the date on your TRANServe Credit Card. It expires every four years on the last day of expiration month. Before that date, a new card will be sent according to your Agency’s establish practice

Question:  What if I don’t’ get a new TRANServe Card?

Answer: If your Agency has transitioned to the New TRANServe Card and you did not receive it, contact your Agency Program Office Point of Contact (POC) to verify active enrollment. If you failed to complete annual recertification, you may have been withdrawn from the program until you comply. If a New TRANServe Card was ordered, your POC will be able to advise you on next steps.

Question:  How long can I continue to use my old TRANServe Debit Card?

Answer: Follow instructions from your Agency Program Office POC. 

Do not attempt to use your Metabank Debit Card after your agency adopts the new US Bank branded TRANServe Credit Card.  At that point the card is obsolete and will not be funded again.  

Once the new TRANServe Credit Card arrives and is activated, the obsolete card should be destroyed.

Question: The shipping address on my account is incorrect, can I contact Customer Service and request for them to update my account?

Answer: No.  All cards are required to be shipped to the address location on the participants account. If you require an address update, please contact your assigned agency’s point of contact.

Question: My account status is listed as suspended or closed, can I request for Customer Service to reopen my account?

Answer: No. Please contact your assigned agency’s point of contact for details on your account status.

Источник: https://www.transportation.gov/transerve/my-transerve-card

Final Verdict

U.S. Bank offers several credit cards that offer cash back, flexible points, or co-branded rewards. Its cards cater to a variety of customer types and credit scores, so you should be able to find a credit card that works for you. Our pick for the best U.S. Bank credit card is the U.S. Bank Altitude Go Visa Signature Card because of its strong earning power and flexibility when redeeming points. It has no annual fee and includes a 0% APR promotion on purchases and balance transfers.

Compare the Best U.S. Bank Credit Cards

Credit CardIntro OfferRewardsAnnual FeeRegular APRMinimum Credit Score
U.S. Bank Altitude® Go Visa Signature® Card
Best Overall/Best No-Annual-Fee Travel
20,000 points after $1,000 in 90 days; 0% APR on purchases and balance transfers for 12 billing cycles4x on dining; 2x grocery, streaming, gas; 1x all else$014.99% to 23.99%670 
U.S. Bank Altitude™ Reserve Visa Infinite® Card
Best Travel
50,000 points after $4,500 in 90 days5x prepaid hotels & car rentals with Altitude Rewards Center; 3x travel, mobile wallet, dining; 1x all else$400 16.99% to 23.99% 800 
U.S. Bank Business Cash Rewards World Elite™ Mastercard®
Best Business
$500 after $3,000 in 90 days; 0% APR on purchases and balance transfers for 12 months3% on gas, office supplies, and cell phone; 1% all else$0 13.99% to 22.99% 800 
SKYPASS Visa® Secured Card
Best Secured
5,000 miles after first purchase1x miles on every purchase$5016.24% 350 

Editorial Picks for Best U.S. Bank Credit Cards

U.S. Bank Altitude® Go Visa Signature® Card

Best Overall/Best No-Annual-Fee Travel

Earn 4x points on dining and 2x on groceries, streaming, and gas that can be used for travel, cash back, and more. Enjoy a 0% APR promotion on purchases and balance transfers for 12 months.

Read the full U.S. Bank Altitude® Go Visa Signature® Card Review.

U.S. Bank Altitude™ Reserve Visa Infinite® Card

Best Travel

Travel perks like an annual $325 credit, airport lounge access, and Global Entry or TSA Precheck reimbursement make this an excellent travel card. Limited-time offer of 3x points on takeout, food delivery, and dining through June 30, 2021.

Read the full U.S. Bank Altitude™ Reserve Visa Infinite® Card Review.

U.S. Bank Business Cash Rewards World Elite™ Mastercard®

Best Business

Earn 3% cash back on common business expenses like office supplies, cell phones, and gas. Receive a 25% bonus, up to $250, on all of the cash back you earn each year.

Read the full U.S. Bank Business Cash Rewards World Elite™ Mastercard® Review.

SKYPASS Visa® Secured Card

Best Secured

One of the only secured credit cards that earns airline miles while you build your credit. Your spending can help you earn elite status with Korean Airlines.

Read the full SKYPASS Visa® Secured Card Review.

Types of U.S. Bank Credit Cards

U.S. Bank primarily issues Visa cards but also has a few products issued through the American Express and Mastercard networks. It does not issue any cards on the Discover network.

The bank offers credit cards to meet a variety of customer goals:

  • Cash back
  • Flexible points
  • Airline miles
  • Co-branded cards
  • Small business
  • Secured credit card

How U.S. Bank's Rewards Program Works

U.S. Bank rewards points are earned at various levels based on the card product. Cash back is generally earned as a flat percentage back on purchases, with a few card options that provide enhanced bonus cash back on certain spending categories. U.S. Bank Altitude and FlexPerks points are generally earned at a points multiple for certain purchase categories and a base rate for all other spending. Points can be redeemed for travel, merchandise, gift cards, or cash back through the U.S. Bank Altitude and FlexPerks rewards portals.

Is a U.S. Bank Credit Card Right for Me?

Yes, U.S. Bank has credit cards that offer cash back, flexible points, and co-branded rewards for both consumers and small businesses. Many of its cards also include 0% APR promotions for purchases, balance transfers, or both, which can reduce the interest you might pay on your transactions.

U.S. Bank Credit Card Benefits

The bank includes a variety of benefits with its credit cards. Depending on the card that you choose, here are a few of the benefits that may be available to you:

  • Free credit score
  • Airport lounge access
  • No foreign transaction fees
  • Introductory 0% APR promotion
  • Cell phone protection

Fees on U.S. Bank Credit Cards

Credit cards from U.S. Bank have a wide range of annual fees from $0 to $400. In addition to annual fees, these are a couple of the fees that the bank may charge:

  • Late payment fees up to $40
  • Returned payment fees up to $40

Interest Rates

Most credit cards from U.S. Bank range from 14% to 25%. The interest rate you are charged is typically based on your creditworthiness and how you handle your account.

What Credit Score Is Needed for a U.S. Bank Credit Card?

U.S. Bank requires good (670) to excellent (800) credit for the majority of its consumer and business cards. In general, credit cards with the most perks tend to require higher credit scores. It does consider applicants with no credit history or lower credit scores starting at 350 for its non-rewards and secured card options.

How Often Will U.S. Bank Increase My Credit Limit?

U.S. Bank monitors customer credit reports on a regular basis for potential automatic credit limit increases. You can request a credit limit increase by calling customer service, online, or through the bank's mobile app. Typically, your account should be open for at least six months before requesting an increase. For additional credit limit increases, you should wait at least six months from approval to illustrate to the bank that you can responsibly handle the credit limit they have given you.

With your higher limit, your credit score should increase by making on-time payments and maintaining a low utilization of your credit limit.

How Good Is U.S. Bank's Customer Service?

U.S. Bank received a score of 786 out of 1,000 points in the 2020 J.D. Power U.S. Credit Card Satisfaction Study, placing it in the bottom two of national credit card issuers. The average score among major issuers was 810.

What Is the History of U.S. Bank?

U.S. Bank can trace its roots back to the time of the Civil War, when First National Bank of Cincinnati opened for business in 1863. After numerous mergers and acquisitions during the 20th century and turn of the 21st century, including U.S. Bancorp of Oregon, First National Bank of Minnesota, and Firstar Corporation, the current U.S. Bancorp was formed. Headquartered in Minneapolis, Minn., U.S. Bank is the fifth-largest banking organization in the nation, with more than 70,000 employees and over $544 billion in assets as of Dec. 31, 2020. In terms of its credit card portfolio's total outstanding balances, U.S. Bank currently ranks sixth-largest in the country.

Methodology

We reviewed every credit card offered by U.S. Bank to gather its fees, interest rates, one-time bonuses, earnings power, and benefits. We analyzed this data and assigned scores to rank each credit card against the others. These rankings enabled us to choose the best U.S. Bank credit cards for each customer type. We continuously monitor the bank's website and other publicly available sources to ensure we have the latest information available and provide you with our recommendations for each category.

MEET OUR CREDIT CARDS EXPERT

Ben Woolsey is Investopedia's Associate Editorial Director of Financial Products and Services, including credit cards. He has more than 30 years of experience in the financial services industry, including marketing for banking and financial institutions such as Associates First Capital and Bank One. Prior to Investopedia, he managed credit card content for CreditCards.com and Bankrate.com.

Источник: https://www.investopedia.com/best-us-bank-credit-cards-5073782

U.S. Bank Review

Who Is U.S. Bank Best For?

U.S. Bank should appeal to most consumers who want a traditional branch banking experience. It may be a good fit if you:

  • Prefer in-person banking and free ATM access 
  • Want a one-stop place to do all of your banking
  • Are located in the Western part of the country
  • Are a student or over 65 years of age
  • Can meet the requirements to avoid monthly account fees

What Does U.S. Bank Offer?

U.S. Bank offers a full suite of accounts and services, with several options to meet customers’ specific needs.

Accounts

  • Checking accounts
  • Savings account
  • Money market accounts 
  • Certificates of deposit
  • Credit cards

All account rates and terms below are effective as of August 18, 2021. 

Checking Accounts

U.S. Bank has five checking options depending on the account level you need. All accounts have free ATM access for U.S. Bank locations, and each is FDIC-insured up to $250,000:

U.S. Bank Checking Accounts
Account NameMonthly FeeConditions to Waive FeeATM Fee Waivers for Non-U.S. Bank Transactions
Easy Checking$6.95Combined monthly direct deposits totaling $1,000 or more; an average account balance of $1,500; or if you’re age 65 or older  None
Gold Checking$14.95If you have an open U.S. Bank personal loan, line, mortgage, or credit cardTwo per statement period
Platinum Checking$24.95$25,000 in combined personal deposits, credit balances with U.S. Bank and/or investments through U.S. Bancorp Investments; a personal trust relationship with U.S. Bank Wealth Management; Current or former member of the Armed ForcesNo limit
Student Checking$0No feesFour per statement period
Safe Debit Account$4.95Fee cannot be waivedNone

If you also open a savings account with U.S. Bank, you can set it up for overdraft protection to cover any negative checking balances.

Easy Checking

This account is ideal for seniors over 65, or anyone who can have the required direct deposits go into the account in order to waive the monthly fee. You won’t get any non-U.S. Bank fee waivers for ATM transactions, however.

Gold Checking

If you have a deeper relationship with U.S. Bank– a personal loan, line of credit, mortgage, or credit card–you may consider this account upgrade. Added benefits include 100 free trades per year and two free Easy Checking accounts for family members.

Platinum Checking

For account holders with large balances, this level of checking may be warranted (otherwise, you’ll be stuck with a $24.95 fee). There are no limits on outside ATM transaction fee waivers, and you’ll earn a bit of interest (0.01%).

Student Checking

If you’re a student, this is the way to go. No monthly maintenance fee, and four freebies if you use a non-U.S. Bank ATM. You’ll also get your first set of checks free.

Safe Debit Account

If you don’t really need paper checks, but still want to do online and mobile banking, this could be an appealing account. However, the $4.95 fee per month is a turnoff since there is no way to avoid it.

Savings Account

U.S. Bank has just one option for a regular savings account, requiring a $25 minimum opening deposit. There won’t be much earning going on, however, since the APY is just 0.01% (as of Mar. 25, 2021). There are three ways to waive the account’s $4.95 monthly maintenance fee:

  • Keep a $300 minimum daily balance (including daily credit and debits) 
  • Have a $1,000 average monthly collected balance
  • Be younger than 18

If you don’t plan to keep your savings account balance high enough to avoid the monthly fee, and given the fact that the interest rate is so low, you may want to look for better terms elsewhere.

Money Market Accounts

U.S. Bank has four money market account options; two of them require you to be a specific checking account holder (rates as of August 18, 2021): 

U.S. Bank Money Market Rates
Account NameMonthly FeeMinimum Opening DepositAPY
Platinum Select Money Market Savings (Exclusively for Platinum Checking Package customers)$0$25

0.01%


Package Money Market Savings (Exclusively for Gold Checking Package customers)

$0$25
0.01%
Elite Money Market Account$10 (can be waived with a $10,000 minimum daily ledger balance)$100
0.01%
Retirement Money Market Account$0$100
0.01%

The Money Market accounts don’t have a lot of distinguishing features beyond a slight difference in the minimum opening deposits, and some are exclusive to certain U.S. Bank account holders. Only the Elite MMA has a fee, but it can be waived. Otherwise, APYs are the same.

Certificates of Deposit 

U.S. Bank provides a bit more earning potential with its CDs (rates as of August 18, 2021), especially through its CD Specials.

CD Special options, all of which require a $1,000 minimum deposit, include:

U.S. Bank CD Special Rates
TermRate
17-month0.15%
37-month0.30%
47-month0.50%
59-month0.75%

Regular CDs offer the following rates for deposits of $500-$250,000, include:

U.S. Bank Regular CD Rates
Term (months)Rate
10.05%
20.05%
30.05%
60.05%
90.05%
120.05%
180.05%
240.05%
360.10%
480.15%
600.25%

There’s also a Step Up CD, requiring a deposit of $1,000-$250,000. Its rates increase every seven months for 28 months:

  • 0.05% for first 7 months
  • 0.25% for next 7 months
  • 0.45% for next 7 months
  • 0.65% for next 7 months

Finally, you can choose a Trade Up CD, which allows you a one-time rate increase if a higher rate comes along during your term. These CDs are either 30 or 60 months, with a 0.10% and 0.40% APY respectively. U.S. Bank requires a deposit of $1,000-$250,000.

For all U.S. Bank CDs, an early withdrawal penalty will be applied if you don’t leave the money in the account for the full term. Each penalty includes a $25 fee. Plus, you'll pay 1%-3% of the withdrawal amount or 50%-100% of the interest you'd earn for the full term of the CD, whichever is greater.

Credit Cards

U.S. Bank currently offers five different credit cards to appeal to a range of consumers:

Other Financial Products From U.S. Bank

In addition to everyday bank accounts, U.S. Bank also offers an array of lending and investing products and services including:

  • Purchase mortgages
  • Refinance mortgages
  • Home equity loans
  • Auto loans
  • Boat & RV loans
  • Personal loans
  • IRAs
  • Online investing with guidance
  • Self-directed investing
  • Trust and estate services
  • Business planning
  • Charitable giving
  • Insurance
  • Specialty asset management

U.S. Bank ranked better than average or better in the regions in which it was rated in J.D. Power’s 2021 U.S. Retail Banking Satisfaction Study. Customer service options are typical, and there is lots of self-help/FAQ support on the website. There is no live chat support feature but U.S. Bank has a Twitter account (@askUSBank) set up specifically for customer questions.

The U.S. Bank mobile app offers useful features including mobile check deposits, the ability to send and receive funds from family and friends via Us bank card balance, account management, and more. You can also control all of your U.S. Bank accounts and credit cards from the same app, and get alerts and notifications.

How to Bank With U.S. Bank

Opening a bank account with U.S. Bank is simple. Customers can go us bank card balance a branch, or open an account online. Be prepared to provide your identification and the required minimum deposit (either with a credit, debit, prepaid card, or transfer from another bank account).

The Final Verdict

BENEFITS

U.S. Bank is a good choice for those who enjoy a traditional banking experience, along with the convenience of online and mobile banking for when they want to bank digitally. If you like having all banking accounts and services in one place, U.S. Bank should have everything you need. It’s best suited for those who plan to maintain their accounts in such a way as to avoid monthly maintenance fees. It’s also ideal for students and seniors over 65 for whom account fees are waived.

DRAWBACKS

If you’re looking for competitive APYs and interest rates, other banks have better rates when it comes to deposit accounts. It does a bit better with its CD Specials, but still, there are higher-earning options to be found. In addition, for those whose checking and savings balances often dip low, that will likely mean paying monthly maintenance fees. Such expenses should typically be avoided if possible.

Источник: https://www.thebalance.com/u-s-bank-review-4846463

TRANServe

The TRANServe Credit Card provides TRANServe’s many Customer Agencies and our Federal workforce; with capital one 24 hour contact number funding flexibility and expedited benefit delivery. By partnering with GSA's SmartPay3 Program, TRANServe leverages the world’s largest government charge card and commercial payment solutions program. More than 560 Federal agencies choose the GSA SmartPay platform to support their missions.

Easier than ever before

Better than ever before

THE TRANServeCARD

Provides Nationwide Transit Benefit Payments

(Has no impact on SmarTrip Card Holders using SmartBenefits)

ATTENTION ALL TRANServe CARD USERS! 

Prompt Action Required: Effective June 15, 2020, US Bank is requiring Multifactor Authentication (MFA) to access US Bank’s Access Online

Here's What you need us bank card balance know to:  Activate it, Register it, Use it, Replace it, Understand it 

Activate It

Click here to read the U.S. Bank TRANServe Cardholder Agreement 

Question:  How do I activate the TRANServe Credit Card?

Answer:  Activate your TRANServe Credit Card by dialing the Customer Service number on the back of the card. The Interactive Voice Response system will lead you through the automated process. (Hearing impaired may call 1-888-994-6722 or 711).

When calling to activate your TRANServe Card, be prepared to set your PIN by providing your 16-digit card number, agency assigned zip code, single purchase limit and agency assigned phone number. If your TRANServe Credit Card shipped directly to your residence use your residential zip code.

The single purchase limit is your monthly certified amount approved for your transit benefit, rounded to the next dollar. For example, your actual commuting expenses are $193.01.  The transit benefit approved by your agency is the $193.01.  The single purchase limit is $194.  This amount first national bank severna park not exceed the current statutory limit, which is $270.

If you do not know this information please contact your Agency Point of Contact.

Question:  What is a PIN and when do I use it?

Answer: A PIN is a four-digit number that you create for yourself when you activate your account.  Keep your PIN in a secure location and keep it private.  You will only need this PIN if your mass transit provider requires Chip and PIN to complete your purchase.

Register It

Click here to see U.S. Bank Access Online TRANServe Cardholder Registration Instructions 

Question: How do I register my TRANServe Credit Card?

Answer: Cardholders can register their TRANServe Credit Card through U.S. Bank Access Online(https://www.access.usbank.com). You must have your organizational short-name (TRANSV) and account information readily available when you register. (Account number and Card expiration date). For more card registration details please reference theU.S. Bank Access Online Registration Quick Start Guide .

Use It

Question:  When I should use my monthly benefit to purchase my ticket, pass or other fare media?

Answer:To ensure processing, please purchase your tickets, passes or other fare media by the 4th of each month to prevent a disruption in your following month's benefit. 

Question:  How can participants check their TRANServe Credit Card balance?

Answer: Here are four ways to keep track of your account balance

1. Mobile app1: download the U.S. Bank Access® Online Mobile app from the Apple App® or Google Play™ stores.

2. Alerts: Log into Access Online at access.usbank.com, then go to My Personal Information

3. Online: Visit access.usbank.com  (Only for Agencies who use TRANServe’s Electronic Application System.)

4. Phone: To hear your balance call 1-888-994-6722 or 711 for the hearing impaired.  You must have your TRANServe Credit Card number available prior to calling. If you do not have your card number please contact your agency assigned Point of Contact.

NOTE: Participants whose agency does not use TRANServe’s Electronic Application System can check their credit card balances by using option 4 only.

Question:  Can participants add their own funds or change the credit limit amounts on their TRANServe Credit Card by calling customer service?

Answer: No. If you require an adjustment to your credit limit, please contact your assigned agency Point of Contact and follow the procedures in updating your monthly benefit.

Question:  Can I use the TRANServe Credit Card for non-transit expenses?

Answer: No. It is fraudulent to use the transit benefit for any purpose other than your home to work to home mass transit commute. Federal Employees certify to us bank card balance when they submit their transit benefit applications. At each swipe of the TRANServe Credit Card, each participant personally certifies that they are using the transit benefit appropriately.

The TRANServe Credit Card will only authorize transactions to vendors that are identified as Transit Authorities through their Merchant Category Code (MCC).

Question:  When does the Transit Benefit become available on the TRANServe Credit Card?

Answer: As soon as you activate it, the Transit Benefit amount authorized by your employing agency is assigned to your TRANServe Credit Card.  This “Credit limit amount” will refresh on the 10th day of each month so you can purchase the following month’s fare.  For instance, a credit limit set on your TRANServe Credit Card on July 10th is to purchase August tickets, passes or us bank card balance fare.

Question:  Why does the TRANServe Credit Card have restrictions?

Answer: The TRANServe Credit Card is us bank card balance to purchases against approved Transit Authority Merchant Category Codes (MCCs). Restricted MCCs are one control mechanism built into the TRANServe Credit Card to address regulatory compliance.  The restricted MCCs safeguard the transit benefit from fraud, waste, and abuse.  Attempts to use the TRANServe Credit Card in a retail network will be declined and are reportable back to your employing agency.

Question:  What if my TRANServe Credit Card is not accepted?

Answer: If you are attempting to use your TRANServe Credit Card at a valid Transit Authority and the card is not accepted, you should contact US Bank Customer Service at 1-888-994-6722 or 711 for the hearing impaired. If Customer Service cannot resolve your situation, please contact your Agency’s Transit Benefit Program Point of Contact.

Lost it

Question:  What do I do if my TRANServe Credit Card is lost, stolen or damaged?

Answer: Notify US Bank Customer Service to initiate the replacement process if a card is lost, stolen, or damaged.  The number is 1-888-994-6722 or 711 for the hearing impaired.

A replacement card will be issued and the balance of your unused available credit will transfer to the new TRANServe Credit Card.

Replace Ozk strain isn’t my full name on my TRANServe Credit Card?

Answer: The TRANServe Credit Card has a 21-character limit (including spaces).   If your full name exceeds the maximum character limit, it is truncated to fit the card using these methods to make it fit:

  1. Remove the middle initial
  2. Use the first character of the first name
  3. Truncate the last name

If your last name is exactly 21 characters, only your last name will appear on the card.

Question:  If my TRANServe Credit Card is inaccurate (i.e. wrong name, misspellings) how can I get this corrected?

Answer: Log in to TRANServe’s Electronic Application.

Select “My Account” to update your name, email address or phone number.

If your name is correct here, and your full name is greater than 21 characters, the bank truncated your name to fit it on the card.  If your full name is less than 21 characters, contact your Assigned Agency POC.

If your Agency does not use TRANServe’s Electronic Application yet, inform your Assigned Agency Point of Contact.  Ask them to contact their TRANServe Transit Benefit Manager to request correction. Once your POC confirms your transit benefit record is correct, you may request a card replacement by calling US Bank Customer Service at 1-888-994-6722 or 711 for the hearing impaired.

Question:  How long does it take to get a replacement card?

Answer: Once you have contacted Customer Service and ordered a replacement card, the TRANServe Credit Card generally arrives within five to seven calendar days. 

Question:  Will the replacement card have a new card number?

Answer: Replacement bank of america cash back rewards categories will have a new card number only if it is lost, stolen or replaced due to fraud. Anyone who pays using an online profile must update it with his or her new card number and expiration date before making his or her next payment.

More Good Questions

Question: What is the difference between credit limit, available balance, and current balance? Which do I use to check for the available credit balance on my TRANServe Credit Card?

Answer: Credit Limit-The dollar value of the maximum spending limit associated with a cardholder ‘s account for the www amazon com credit card login monthly benefit cycle (10-9th).

            Available Credit- An authorization limit that is the dollar value of the remaining available credit associated with a cardholder’s account. Please reference this amount when checking for the available credit                       balance on your TRANServe Credit Card.

           Current Balance-The dollar value of the amount used by the cardholder during the current monthly benefit cycle (10th-9th).

Question:  Does the new TRANServe Credit Card have the same number as the Old TRANServe Debit Card?

Answer: No. Your New TRANServe Credit Card will have a different number than the TRANServe Debit Card. To prevent declined transactions, everyone who uses online or mail order payments must act to update the existing payment information with the NEW card number and the NEW expiration date as soon as you receive it.  This will help ensure upcoming transactions are successful.

Question:  When do TRANServe Credit Cards expire?

Answer: Check the date on your TRANServe Credit Card. It expires every four years on the last day of expiration month. Before that date, a new card will be sent according to your Agency’s establish practice

Question:  What if I don’t’ get a new TRANServe Card?

Answer: If your Agency has transitioned to the New TRANServe Card and you did not receive it, contact your Agency Program Office Point of Contact (POC) to verify active enrollment. If you failed to complete annual recertification, you may have been withdrawn from the program until you comply. If a New TRANServe Card was ordered, your POC will be able to advise you on next steps.

Question:  How long can I continue to use my old TRANServe Debit Card?

Answer: Follow instructions from your Agency Program Office POC. 

Do not attempt to use your Metabank Debit Card after your agency adopts the new US Bank branded TRANServe Credit Card.  At that point the card is obsolete and will not be funded again.  

Once the new TRANServe Credit Card arrives and is activated, the obsolete card should be destroyed.

Question: The shipping address on my account is incorrect, can I contact Customer Service and request for them to update my account?

Answer: No.  All cards are required to be shipped to the address location on the participants account. If you require an address update, please contact your assigned agency’s point of contact.

Question: My account status is listed as suspended or closed, can I request for Customer Service to reopen my account?

Answer: No. Please contact your assigned agency’s point of contact for details on your account status.

Источник: https://www.transportation.gov/transerve/my-transerve-card

Availability of insurance benefits on your card may vary by card issuer. Please refer to your issuing financial institution for complete insurance benefit coverage terms, conditions and exclusions.

MASTERCARD BENEFIT INQUIRIES

Within the U.S.: 1-800-Mastercard (1-800-627-8372)

Final Verdict

U.S. Bank offers several credit cards that offer cash back, flexible points, or co-branded rewards. Its cards cater to a variety of customer types and credit scores, so you should be able to find a credit card that works for you. Our us bank card balance for the best U.S. Bank credit card is the U.S. Bank Altitude Go Visa Signature Card because of its strong earning power and flexibility when redeeming points. It has no annual fee and includes a 0% APR promotion on purchases and balance transfers.

Compare the Best U.S. Bank Credit Cards

Credit CardIntro OfferRewardsAnnual FeeRegular APRMinimum Credit Score
U.S. Bank Altitude® Go Visa Signature® Card
Best Overall/Best No-Annual-Fee Travel
20,000 points after $1,000 in 90 days; 0% APR on purchases and balance transfers for 12 billing cycles4x on dining; 2x grocery, streaming, gas; 1x all else$014.99% to 23.99%670 
U.S. Bank Altitude™ Reserve Visa Infinite® Card
Best Travel
50,000 points after $4,500 in 90 days5x prepaid hotels & car rentals with Altitude Rewards Center; 3x travel, mobile wallet, dining; 1x all else$400 16.99% to 23.99% 800 
U.S. Bank Business Cash Rewards Home remedy for swollen face due to toothache Elite™ Mastercard®
Best Business
$500 after $3,000 in 90 days; 0% APR on purchases and balance transfers for 12 months3% on gas, office supplies, and cell phone; 1% all else$0 13.99% to 22.99% 800 
SKYPASS Visa® Secured Card
Best Secured
5,000 miles after first purchase1x miles on every purchase$5016.24% 350 

Editorial Picks for Best U.S. Bank Credit Cards

U.S. Bank Altitude® Go Visa Signature® Card

Best Overall/Best No-Annual-Fee Travel

Earn 4x points on dining and 2x on groceries, streaming, and gas that can be used for travel, cash back, and more. Enjoy a 0% APR promotion on purchases and balance transfers for 12 months.

Read the full U.S. Bank Altitude® Go Visa Signature® Card Review.

U.S. Bank Altitude™ Reserve Visa Infinite® Card

Best Travel

Travel perks like an annual $325 credit, airport lounge access, and Global Entry or TSA Precheck reimbursement make this an excellent travel card. Limited-time us bank card balance of 3x points on takeout, food delivery, and dining through June 30, 2021.

Read the full U.S. Bank Altitude™ Reserve Visa Infinite® Card Review.

U.S. Bank Business Cash Rewards World Elite™ Mastercard®

Best Business

Earn 3% cash back on common business expenses like office supplies, cell phones, and gas. Receive a 25% bonus, up to $250, on all of the cash back you earn each year.

Read the full U.S. Bank Business Cash Rewards World Elite™ Mastercard® Review.

SKYPASS Visa® Secured Card

Best Secured

One of the only secured credit cards that earns airline miles while you build your credit. Your spending can help you earn elite status with Korean Airlines.

Read the full SKYPASS Visa® Secured Card Review.

Types of U.S. Bank Credit Cards

U.S. Bank primarily issues Visa cards but also has a few products issued through the American Express and Mastercard networks. It does not issue any cards on the Discover network.

The bank offers credit cards to meet a variety of customer goals:

  • Cash back
  • Flexible points
  • Airline miles
  • Co-branded cards
  • Small business
  • Secured credit card

How U.S. Bank's Rewards Program Works

U.S. Bank rewards points are earned at various levels based on the card product. Cash back is generally earned as a flat percentage back on purchases, with a few card options that provide enhanced bonus cash back on certain spending categories. U.S. Bank Altitude and FlexPerks points are generally earned at a points multiple for certain purchase categories and a base rate for all other spending. Points can be redeemed for travel, merchandise, gift cards, or cash back through the U.S. Bank Altitude and FlexPerks rewards portals.

Is a U.S. Bank Credit Card Right for Me?

Yes, U.S. Bank has credit cards american holiday calendar ical offer cash back, flexible points, and co-branded rewards for both consumers and small businesses. Many of its cards also include 0% APR promotions for purchases, balance transfers, or both, which can reduce the interest you might pay on your transactions.

U.S. Bank Credit Card Benefits

The bank includes a variety of benefits with its credit cards. Depending on the card that you choose, here are a few of the benefits that may be available to you:

  • Free credit score
  • Airport lounge access
  • No foreign transaction fees
  • Introductory 0% APR promotion
  • Cell phone protection

Fees on U.S. Bank Credit Cards

Credit cards from U.S. Bank have a wide range of annual fees from $0 to $400. In addition to annual fees, these are a couple of the fees that the bank may charge:

  • Late payment fees up to $40
  • Returned payment fees up to $40

Interest Rates

Most credit cards from U.S. Bank range from 14% to 25%. The interest rate you are charged is typically based on your creditworthiness and how you handle your account.

What Credit Score Is Needed for a U.S. Bank Credit Card?

U.S. Bank requires good (670) to excellent (800) credit for the majority of its consumer and business cards. In general, credit cards with the most perks tend to require higher credit scores. It does consider applicants with no credit history or lower credit scores starting at 350 for its non-rewards and secured card options.

How Often Will U.S. Bank Increase My Credit Limit?

U.S. Bank monitors customer credit reports on a regular basis for potential automatic credit limit increases. You can request a credit limit increase by calling customer service, online, or through the bank's mobile app. Typically, your account should be open for at least six months before requesting an increase. For additional credit limit increases, you should wait at least six months from approval to illustrate to the bank that you can responsibly handle the credit limit they have given you.

With your higher limit, your credit score should increase by making on-time payments and maintaining a low utilization of your credit limit.

How Good Is U.S. Bank's Customer Service?

U.S. Bank received a score of 786 out of 1,000 points in the 2020 J.D. Power U.S. Credit Card Satisfaction Study, placing it in the bottom two of national credit card issuers. The average score among major issuers was 810.

What Is the History of U.S. Bank?

U.S. Bank can trace its roots back to the time of the Civil War, when First National Bank of Cincinnati opened for business in 1863. After numerous mergers and acquisitions during the 20th century and turn of the 21st century, including U.S. Bancorp of Oregon, First National Bank of Minnesota, and Firstar Corporation, the current U.S. Bancorp was formed. Headquartered in Minneapolis, Minn., U.S. Bank is the fifth-largest banking organization in the nation, with more than 70,000 employees and over $544 billion in assets as of Dec. 31, 2020. In terms of its credit card portfolio's total outstanding balances, U.S. Bank currently ranks sixth-largest in the country.

Methodology

We reviewed every credit card offered by U.S. Bank to gather its fees, interest rates, one-time bonuses, earnings power, and benefits. We analyzed this data and assigned scores to rank each credit card against the others. These rankings enabled us to choose the best U.S. Bank credit cards for each customer type. We continuously monitor the bank's website and other publicly available sources to ensure we have the latest information available and provide you with our recommendations for each category.

MEET OUR CREDIT CARDS EXPERT

Ben Woolsey is Investopedia's Associate Editorial Director of Financial Products and Services, including credit cards. He has more than 30 years of experience in the financial services industry, including marketing for banking and financial institutions such as Associates First Capital and Bank One. Prior to Investopedia, he managed credit card content for CreditCards.com and Bankrate.com.

Источник: https://www.investopedia.com/best-us-bank-credit-cards-5073782

U.S. Bank Visa Platinum Card 2021 Review: Extra-Lengthy Intro APR Offer

The U.S. Bank Platinum Visa may have a long intro APR period going for it, but it’s not the only game in town.

U.S. Bank Visa® Platinum Card vs. Citi® Double Cash Card

If you’re looking for a card that will serve you well beyond a promotional balance transfer period, consider the no-annual-fee Citi® Double Cash Card. It offers generous rewards of 2% cash back on every purchase—1% when you make a purchase and another 1% when you pay your bill.

It also offers a 0% intro APR on balance transfers for 18 months. After that, the standard variable APR will be 13.99% - 23.99%, based on creditworthiness. There is also an intro balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, completed within the first 4 months of account opening. After that, the fee will be 5% of each transfer (minimum $5). Although it doesn’t come with a 0% offer on purchases like the U.S. Bank Platinum Visa, the rewards make this card one you’ll use long after any 0% APR offer expires.

U.S. Bank Visa® Platinum Card vs. Citi® Diamond Preferred® Card

You might also look to the Citi Diamond Preferred as an option. This card offers 0% intro APR for 21 months on eligible balance transfers from the date of the first transfer and 0% intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 13.74% - 23.74% based on your creditworthiness. Balance transfers must be completed within boost mobile bill pay contact number months of account opening. There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater. Like the U.S. Bank Platinum Visa, the introductory APR period is the main event on the Citi Diamond Preferred.

U.S. Bank Visa® Platinum Card vs. Wells Fargo Reflect℠ Card

The Wells Fargo Reflect℠ Card comes with a 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. An extension of up to 3 months of additional introductory APR will be apply with on-time minimum payments during the introductory and extension periods. An introductory balance transfer fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening applies. After that, up to 5% for each balance transfer, with a minimum of $5. An added money-saving perk: When you pay your monthly cell phone bill with this card, you can receive up to $600 of protection (subject to $25 deductible) against covered damage or theft. Cardholders can make two claims per year.

Источник: https://www.forbes.com/advisor/credit-cards/reviews/u-s-bank-visa-platinum/

Credit card customer service

Find answers about your credit card.

Your security is important to us, so we want to be sure we're talking to you. Please call us at 800-947-1444 and choose option 1 to check the status of your application.
Our hours are Monday through Friday from 8 a.m. to 5 p.m. CT.   

We make it easy to activate your card. 

Online banking steps:

To get started, log into online banking and follow these steps:

  1. Select Customer Service from the top menu bar and then select Self Service.
  2. Select Activate Debit/ATM Card under the Debit Card & ATM Card section.
  3. Input the card information and follow the prompts to complete the activation.

U.S. Bank Mobile App steps:

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

  1. From the main menu select Manage cards.
  2. Select the card requiring activation.
  3. Select Activate Card. If you have multiple cards awaiting activation, choose the one you'd like to activate and select Continue.
  4. Provide your card information and last four digits of your SSN, then select Activate.

Additional information:

Your Personal Identification Number for your debit card (PIN) arrives separately for your security. It can also be activated by making a deposit or withdrawal at any U.S. Bank ATM. If you'd like to call to activate your card. contact us at 800-236-3838.

You can add your card to your digital wallet with the U.S. Bank Mobile App, here's how:

U.S. Bank Mobile App steps:

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

Once you are logged into your account dashboard, select the Menu icon in the upper left of the page, then choose Manage cards.
Select the card you would like to add, then choose Add to Digital wallets.

  • If the card has not been added it will give you the option to "Add to digital wallet"
  • If the card has already been added it will advise "Added"

When you enroll in the paperless preference option, you help the environment and keep your information safe. We're happy to help you sign up for electronic statements.

Online banking steps:

For the best online banking experience, we recommend logging in at usbank.com.

  1. Select My Accounts at the top of the page and choose My documents
  2. Select Paperless preferences
  3. Choose one of the following: 
    • Go paperless for all eligible accounts: This will stop paper delivery of all documents you see listed. 
    • Individual accounts: Look for any accounts where the U.S. Mail button is selected and choose the Paperless button instead. 
  4. Review your account and notification preferences, then select Save

U.S. Bank Mobile App steps:

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

  1. Select the main menu in the upper left corner, then choose Statements & docs.
  2. Choose Paperless preferences.
  3. Choose to go paperless for all eligible accounts or select individual accounts for paperless documents. 
  4. Select Save and you're all done!

Additional information:

We offer a variety of alerts you can add to your accounts. 

Online banking steps:

To get started, log into online banking and follow these steps:

  1. Select My alerts from the Customer Service tab located at the top, then Account Alerts.
  2. Choose the account you'd like to receive alerts for and select Add alerts.
  3. Select Add next to the one you’d like to add, choose where to send it, then select Save.

U.S. Bank Mobile App steps:

For the hotels near university at buffalo mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

  1. From the main menu, select Notifications, then Accounts.
  2. Choose the account you'd like to receive alerts for, then select the one you want to add.
  3. Toggle the Allow notification button to turn it on or off.
  4. Enter the requested details, when applicable, then toggle the buttons to choose your delivery options to complete the set up.

Additional information:

Since accounts can have multiple alerts, repeat the steps above to add more.

Upon enrollment in online and mobile banking, we'll suggest some alerts for your accounts. Enroll in all of them with one click or remove those that don't interest you.

For trust, agency, custody, or IRA accounts with Ascent Private Capital Management, U.S. Bank Private Wealth Management or U.S. Bank Wealth Management or for U.S. Bancorp Investments accounts, you’ll need to manage your alerts on our desktop site.

We can help you add an authorized user to your credit card account.

Online banking steps:

To get started, log into online banking and follow these steps:

  1. Select Customer Service from the top of the page, then choose Self Service.
  2. Within the Credit Cards, Charge Cards. and Personal Lines section, select Add Authorized User. If you have multiple credit cards, select the card you'd like to add an authorized user to. Then select Continue.
  3. Fill out the new authorized user form and select Continue to review.
  4. Review the information, then select Submit authorized user request. 

U.S. Bank Mobile App steps:

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

  1. From the account dashboard, select the Menu in the upper left corner, then Manage cards. If you have multiple cards, select the card you'd like to add an authorized user to.
  2. Select Add authorized user from the card controls menu.
  3. Fill out the new authorized user form and select Continue to review.
  4. Review the information, then select Submit authorized user request

Additional information:

Please be aware of the following information:

  • Any request to add an authorized user to an account needs to be submitted by the account owner.
    • You'll need the authorized user's first and last name, date of birth, and SSN.
    • Middle initial is optional and there is no minimum age requirement.
  • An account may have up to seven (7) authorized users at a time.
  • The card will be sent to the address we have on file.
  • A credit report is not pulled when we process a request to add an authorized user.
  • College, Secured, and Young Adult (co-signer) credit card accounts are not eligible to add authorized users.

If you'd like to complete the process by phone or have any questions, please call us at the number on the back of your card or 800-285-8585. We accept relay calls. 

Once you’ve set up automatic payment, we'll provide you a confirmation page to review. We'll tell you when your first automatic payment will start, the autopay details that were selected, and a reminder to pay the current month's payment due. To get started, choose the experience that works best for you.

Online banking steps:

For the bank of america financial center las vegas nv online experience, we recommend logging in at usbank.com.

  1. Select Bill payments at the top of the page, then choose Pay bills & U.S. Bank accounts.
  2. Locate the account you want automatically paid, then select Show details.
  3. The details are displayed on the right side of the page. Select Autopay set up now.
  4. Provide the following information. Once done, select Start autopay. We encourage you to review the terms of service before selecting Start autopay. 
    • Amount: Choose how much to pay. Options include minimum payment, statement balance, minimum payment with extra, or other amount.
    • Date: Choose when you'd like the payment to be delivered. This is considered the day the payment is made (i.e., transaction date).
    • Account: If you have more than one account on file, select the one you'd like the payment to pull from.

U.S. Bank Mobile App steps:

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

  1. Select Pay bills & transfer at the bottom of the dashboard, then choose Pay a bill.
  2. Select the account you want automatically paid, then choose Autopay set up now on the next page.
  3. Provide the following information. Once done, select Start autopay. We encourage you to review the terms of service before selecting Start autopay. 
    • Amount: Choose how much to pay. Options include minimum payment, statement balance, minimum payment with extra, or other amount.
    • Date: Choose when you'd like the payment to be delivered. This is the considered day the payment is made (i.e., transaction date).
    • Account: If you have more than one account on file, select the one you'd like the payment to pull from.

How you redeem rewards depends on the type of account you have. View the rewards section of your billing statement to identify your rewards program or log into your account online and view the credit card.

If your rewards program is with U.S. Bank (e.g., Cash+, FlexPerks or Altitude), just follow the steps below to review and redeem your rewards.

Online banking steps:

For the best online banking experience, we recommend logging in at usbank.com.

  1. Select My accounts at the top of the page, then choose My rewards.
  2. Choose Redeem Rewards & Access Card Benefits and follow the prompts to complete your request.

U.S. Bank Mobile App steps:

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

  1. From the account dashboard, select the rewards credit card to view. 
  2. Select the Rewards and Benefits tab, next to Transactions. 
  3. Select Redeem or view my rewards and follow the prompts to complete your request.

Additional information:

  • If you find you don't have the option to view or redeem rewards, your rewards program may be with a retail partner such as REI or SKYPASS. You can find their phone number on your statement and contact them to get your rewards balance and redemption options. 
  • Cash-based redemption options include a choice of a statement credit, gift card, or deposit into your U.S. Bank checking or savings account. 
  • Points-based redemption options include a choice of a statement credit, merchandise, gift cards, travel options, and more. Choose any category to browse through.

If you have any questions, please call our Rewards Center at 888-229-8864.

There's a few options available to reset your credit card PIN. Choose the one that works for you. 

Representative: If you're not sure what your PIN is, call us us at the phone number on the back of your card or at 800-285-8585 and request a PIN mailer to be sent to you. We accept relay calls.

Automated phone system: You must have your PIN mailer or the pre-selected PIN to use this option. Call 800-673-3555, listen to the menu options and enter the pre-selected PIN when prompted. We accept relay calls.

Branch/ATM: Visit us at any U.S. Bank branch or ATM. At the terminal, from the main menu, start by selecting Customize ATM, then select Change PIN. 

When selecting a PIN, be aware of the following restrictions:

  • It can't begin with a zero (0), be all nines (9999), or all zeros (0000)
  • You can't select 1234

A PIN mailer is a system generated number. Representatives can't set a specific PIN for you. Once you receive the mailer, follow the above steps to reset your PIN to a new number.

There comes a time when everyone needs additional funds. 

Online banking steps:

If you'd like to submit a request to increase your limit, just log into online banking and follow these steps:

  1. Select Customer Service from the top menu bar, then select Self Service.
  2. Within the Credit/Charge Account section, select Request Credit Limit Increase.
    • If the credit limit request link isn't displayed, please call 800-285-8585.
  3. Choose the card you'd like to submit the credit limit increase for.
  4. Provide your income and asset information, then select Continue to housing.
  5. Answer the questions regarding housing information, then select Review my request.
    • Check the box at the top if your account has multiple owners and everyone shares the same address. If the box is checked, it won't ask the other owner's housing information.
  6. Verify the details are correct, then select Submit my request.

U.S. Bank Mobile App steps:

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

  1. From the main menu, select Manage Cards.
  2. Choose your card and tap Request Credit Limit Increase.
  3. Provide your income and asset information, then select Continue to housing.
  4. Answer the questions regarding housing information, then select Review my request. 
  5. Verify the details are correct, then select Submit my request.

Income and Asset Information
We're looking for the following details:

Your annual income

The joint-owner’s annual income, if applicable
Your monetary assets
The joint-owner’s monetary assets, if applicable

Housing Information
Here's what we'll ask for regarding your home. 

The combined monthly housing payment, if applicable
Example: Rent is $900 and you're responsible for one-third. The total monthly housing payment for the home is $900.

Your monthly housing payment and if you own your home
Example: Rent is $900 and you're responsible for one-third. Your monthly housing payment is $300.

Joint-owner's monthly payment and if they own the home, if applicable
Example: Rent is $900 and the joint-owner responsible for two-thirds. Their monthly housing payment is $600.

If you have any questions, call us at 800-285-8585.

We make it easy to get a cash advance from your account. 

Online banking steps:

To get started, log into online banking and follow these steps:

  1. Select Transfers at the top of the page, then Get a cash advance. 
  2. Choose the account the funds are score football cards worth money come from, the account they'll go to, and the amount to advance. Then select Continue.
  3. Review your request, then select Submit.

U.S. Bank Mobile App steps:

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

  1. Select Pay bills & transfer at the bottom of your screen, then Transfer money.
  2. Choose which account the funds will come from, the account they'll go to, enter the amount and select a date (if it's other than the same day).
  3. Review your request, then select Transfer.

Additional information:

The minimum amount you can request is $50; the maximum amount is the available credit that displays. Transferred funds will be available in the account immediately. However, transactions made on weekends, federal holidays or after 6 p.m. local time* will be processed on the next business day.

*Local time refers to the time zone in which the account was opened.

We can help you complete a balance us bank card balance request on your account. If you'd like to pay off an account you owe funds on with another financial institution, follow the instructions below.

Online banking steps:

To get started, just log in to online banking  and follow these steps:

  1. Select My Accounts, then choose your credit card account.
  2. Select the Payments and limit drop-down on the left, then Request a balance transfer.
  3. Select View details below the offer you'd like to take advantage of.
  4. Review the Interest and fee information. If you agree, choose Select this offer at the bottom of the page.
  5. Select View balance transfer terms and conditions to review the details.
    • To exit the pop-up window, scroll to the bottom and select Close
  6. If you still agree, select the checkbox next to I agree with the balance transfer terms and conditions.
  7. Choose the payee's name from the drop-down, enter the following information, then select Continue.
    • Account number to be paid
    • The amount to transfer
    • Payment address
  8. Review your balance transfer information. If correct, choose Submit.

We are here to help. When we ask for more information about the circumstances, please answer as accurately as you can. If the case can be submitted through online/mobile banking, you'll receive a confirmation once the steps below are completed. If the dispute option doesn't appear or if you have any questions, call us at 800-285-8585 to speak with a representative.

Online banking steps:

To start a dispute, log in to online banking and follow these steps:

  1. Select the credit card the charge was made to.
  2. Locate the transaction to dispute and select More details.
  3. Select Dispute this transaction in the bottom right corner of the page.
  4. Answer the questions to help us determine the reason for your dispute, then select Continue to start your case. 

U.S. Bank Mobile App steps: 

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

  1. Select the credit card charge was made to.
  2. Select the disputed transaction to expand the details.
  3. Select Dispute this transaction at the bottom of the screen. 
  4. Answer the questions to help us determine the reason for your dispute, then select Continue to start your case. 

There are times when we need to lock our card, like when it’s lost at home or if it’s left at a gas station. Choose the best option below to get started.

Online banking steps:

To get started, log into online banking and follow these steps:

  1. Select My Accounts at the top of the page, then select the checking account your debit card is linked to.
  2. Select Account security on the left, then Lock or unlock card.
  3. Select Lock card or Unlock card to complete the action. 

U.S. Bank Mobile App steps:

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

  1. From the main menu in the upper left corner, select Manage cards.
  2. Choose the card you'd like and select Lock or unlock card.
  3. Select the toggle next to This card is unlocked or This card is locked, then select Done

For your protection, we require you to complete additional authentication to unlock your card. (e.g., one-time passcode or visual pattern).

If your card is missing, we can help you close and replace it. Choose the best option below to get started.

Online banking steps:

To get started, log into online banking and follow these steps:

  1. Select My accounts at the top of the page, then choose the account associated with the lost or stolen card.
  2. Choose Account security on the left side of the screen, then select Report lost or stolen card.
  3. We’ll explain what to expect for the process. When you’re ready, select Continue.
  4. Review the recent transactions and select Yes or No if the transactions are valid or not.
  5. Answer the short questionnaire.
  6. Review the order details and shipping method, then select Submit

U.S. Bank Mobile App steps:

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

  1. Select the account associated with the lost or stolen card, then choose Account options below your account balance.
  2. Select Manage card, then choose Report card lost or stolen.
  3. We’ll explain what to expect for the process. When you’re ready, select Continue.
  4. Review the recent transactions and select Yes or No if the transactions are valid or not. Then select Next.
  5. Answer the short questionnaire.
  6. Review the order details and shipping method, then select Report card lost or stolen.

Additional information:

  • You also have the option to lock your card so it gives you time to look for your lost card. 
  • If you see any transactions you don't recognize, call us right away at *1-866-821-8411.
  • If you don’t see multiple delivery options available, don’t be concerned. Some credit cards only offer one form of delivery. 
  • If the card needs to be delivered to a different address, you’ll need to complete this request by phone. Please call us at *1-800-285-8585 and we can assist.

*We accept relay calls.

Online banking steps:

You can add, edit or delete your travel notification by logging into online banking and following these steps:

  1. Select Customer Service, then Self Service.
  2. Look for the Travel Information section at the bottom of the page, then select Travel Notification.
  3. Select Add a trip or if there's a previously entered notification you want to modify, select Edit trip or Delete trip.
  4. Enter your trip details, then select Save.

U.S. Bank Mobile App steps:

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

  1. Open the Menu icon in the upper left corner, then select Manage cards.
  2. Select the card you'll be traveling with, then Travel notification.
  3. Select Add trip, or if there's a previously entered notification you want to modify, select Update trip or Delete trip.
  4. Enter your trip details, then select Add or Done, depending on the option chosen in step three.

Additional information:

  • Multiple trips can be added as long as the dates on each trip do not overlap.
  • If traveling both domestic and international, add two separate trips and make sure the date ranges do not overlap.

Please be aware transactions in the following countries cannot be approved due to current sanctions:

  • Cuba
  • Iran
  • Syria
  • North Korea
  • Crimea Region of Ukraine

Travel notifications can't be added more than 90 days before your travel date. If you have any questions, please call us. 

  • Consumer credit cards: 800-285-8585
  • Business credit cards: 866-485-4545

We accept relay calls.

Credit card contact information

U.S. Bank Altitude® Reserve Visa Infinite® Card

844-357-2015

U.S. Bank Altitude® Go Visa Signature®, Altitude® Connect Visa Signature®, Cash Rewards, Perks+, Platinum, College and Secured Visa® Cards

800-285-8585

U.S. Bank Cash 365™ American Express® 

844-303-8122

U.S. Bank Premier Line
888-444-BANK

U.S. Bank Credit-Line
888-852-5786

FlexPerks® Gold American Express®, FlexPerks® Select+ American Express® and FlexPerks®  Travel Rewards American Express® Cards    
866-311-5550

FlexPerks® Select Rewards Visa® Card
800-692-8472

FlexPerks® Travel Rewards Visa Signature® Card
877-978-7446

U.S. Bank Offer Verification
800-530-9454

Servicemembers Civil Relief Act

Radisson Rewards™ Visa Card
800-236-4012

SKYPASS Visa Signature Card
866-359-4771

SKYPASS Visa Card
866-286-8472

Dillons REWARDS World Mastercard® 
844-742-5806

Fred Meyer Rewards World Mastercard®
844-237-0594

Fry’s REWARDS World Mastercard®  
844-742-5807

Harris Teeter REWARDS World Mastercard® 
844-237-0596

King Soopers REWARDS World Mastercard® 
844-742-5808

Kroger REWARDS World Mastercard®  
844-237-0593

Mariano’s REWARDS World Mastercard® 
866-230-4543

Pick ‘n Save/Metro Market REWARDS World Mastercard®  
844-237-0597

Polaris® Visa® Card
877-828-4726

Quicken® World Mastercard Card®
833-235-0940

QFC REWARDS World Mastercard® 
844-742-5809

Ralphs Rewards World Mastercard® 
844-237-0595

REI Co-op World Elite Mastercard® 
877-734-6060

REI Co-op Platinum Mastercard® 
877-734-8742

Smith’s REWARDS World Mastercard® 
844-742-5810

Источник: https://www.usbank.com/customer-service/personal-banking/credit-cards.html
us bank card balance

Comments

  1. Trading 212 doesnt have a phone number which is why they dont do options, warrants or units I have had bad experience with the customer experience

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