Credit card customer service

Find answers about your credit card.

Set up my 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 best 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. 

Manage my cards.

We are in the process of enhancing our online banking bill pay. Your experience may be different from this article. To view the new process, check our Digital Explorer page.

You can set up autopay by following these steps below. Once the setup is finished, the confirmation screen will display the first date the automatic payment will take place.

Online banking steps:

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

  1. Go to Bill Payments and select Pay a U.S. Bank Account.
  2. From the dropdowns, select the accounts you'd like to pay to and from.
  3. To pay from an account not listed select Add an External Account. Select AutoPay.
  4. Select the payment amount and payment schedule, then Continue.
  5. Review your information and the AutoPay Terms and Conditions
  6. Check the box next to I agree to the AutoPay Terms and Conditions and 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 the dashboard.
  2. Choose Pay a bill, then select the account you'd like to pay.
  3. Under Payment settings locate Autopay and select Set up now.
  4. Complete the form to select payment amount, frequency and payment date, and the account you're paying from. 
  5. Select Start autopay to complete your set up.

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 will 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.

If you'd like to pay off an account you owe funds on with another financial institution, 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. 

The option to transfer a balance is only available on the full usbank.com website. This option is not available on mobile banking.

Additional information:

We encourage you to print out the confirmation page for your records. If you have any questions or would like to complete the balance transfer by phone, contact us at 800-285-8585. We accept relay calls. Contact the financial institution's customer service department for assistance if you're having trouble locating the payee information.

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. 

Security

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