0% intro APR

For a limited time, get a special 0% introductory APR* on purchases and balance transfers for 24 billing cycles. That's two full years without interest! After that the APR is variable, currently 15.24% to 25.24%.

No annual fee

Enjoy great benefits with no annual fee.

Buy now, pay later.

Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay™ plan.** Pay no interest,* just a small monthly fee.

Your credit score

View your credit score anytime, anywhere in the mobile app or online banking. It's easy to enroll, easy to use and free to U.S. Bank customers.1

Auto pay & due date choice

Avoid interest and late fees with automatic payments that put you in control. Pick a payment due date that works for your schedule.2

ID Navigator Powered by NortonLifeLock

Get tools to help keep you informed of threats that may affect your identity.3


Cell phone protection

Receive up to $1,200 of annual coverage for damage or theft when you pay your monthly cell phone bill with your card.4

Balance transfer calculator

See how much you could save with a 0% balance transfer for 24 billing cycles.

Enter your estimated balance transfer amount and current APR.

Calculator assumes a minimum payment of either $40 or 1% of your new balance (whichever is greater) and a 30-day billing cycle.
This calculator is for illustrative purposes only.

Apply for the card that earned Nerdwallet’s Best-Of Award for 2021.


Nerdwallet 2021

Awarded Best 0% Intro APR and Balance Transfer Credit Card


Frequently asked questions

Looking for a credit card with different benefits?

Compare all credit cards.

Use our comparison tool to compare benefits like rewards, APR and welcome offers for up to three cards.

Build or reestablish credit.

Build credit for the future with the U.S. Bank Secured Visa® Card.

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CC-001 May charge fees
CC-403 Platinum APR, rates, fees ASTERISK
CC-1510 ExtendPay fees may not exceed
cc-1508 ExtendPay Benefit
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