US Bank Credit Cards Comparison

usbankballoonfreedomEvery U.S. Bank Credit Card has their own unique benefits. The U.S. Bank FlexPerk Travel Rewards Visa Card allows members to earn one FlexPoint for every $1 spent while Select Rewards offers the same number of points for every $2 spent.  The growing bank also just rolled out a new American Express line of cards that we think are the most exciting with 20,000 points and AMEX Offers.  AeroMexico Visa, Harley-Davidson Visa, and LANPASS allow members to build their credit while they earn AeroMexico Travel Rewards, H-D Genuine Rewards and LANPASS Travel Rewards. Other U.S. Bank credit cards like123 Rewards and Ace Rewards let members earn certificates. The most unique visa card offer comes from REI. Members can get REI dividends for every purchase they make.

Introductory Annual Percentage Rate and Introductory Period

The U.S. Bank FlexPerk Select Rewards Visa comes with a 0 percent intro APR on all balance transfers for six months. The 123 Rewards card comes with the same intro APR for balance transfers within the first 9 months.

Annual Percentage Rate

After the specified introductory period, the Bank FlexPerk Travel Rewards, Select Rewards, 123 Rewards and Ace Rewards cards increase their annual percentage rate from 13.99 percent to 23.99 percent. Meanwhile, AeroMexico and LANPASS come with a 16.24 percent APR. This is lower than the Harley-Davidson card that comes with a 22.9 percent APR. REI Visa has the lowest APR at only 10.99 to 22.99 percent.

Annual Fee(s)

U.S. Bank credit cards with no annual fee include Skypass, Sport Chalet, REI Visa, Gymboree, Cache Visa, Ace Rewards, Ralphs Rewards Plus Visa, Fred Meyer, 123 Rewards, U.S. Bank College Visa, Flexperks Select and the Cash Visa Signature Card. The Harley-Davidson card also comes with no annual fee. On the other hand, the Flexperks Travel Rewards Visa does not require an introductory annual fee for the first 12 months, but members must pay $49 per year afterwards. Similarly, AeroMexico and LANPASS cards have no annual fee for the first 12 months of use, but cardholders are charged $25 yearly thereafter.

U.S. Bank FlexPerk Travel Rewards Visa

The FlexPerk Travel Rewards Visa gives members $400 in awards travel when they accumulate 20,000 FlexPoints. This reward can be redeemed on more than 150 airlines with no blackout dates. Qualified members may also receive a $25 airline allowance with every ticket awarded. This can be used for incidental airline expenses such as flight food, drinks and baggage expenses.

U.S. Bank FlexPerk Travel Select Visa

Flexperk Select allows members to redeem points for merchandise, air travel, statement credit and gift cards. It also gives members an additional 5,000 FlexPoints for every $250 net purchase.

AeroMexico Visa

Aeromexico Visa offers one Club Premier Mile for every $1 spent. Additionally, members get 10,000 first use bonus miles along with a complimentary companion ticket. There is also a 10 percent discount for airfare purchases. AeroMexico Visa offers superior travel rewards for all qualified members.

Harley-Davidson Visa

Harley-Davidson Secured Credit Cards may qualify members to win a new motorcycle. They may also redeem 2,500 points for $25 in Harley Chrome Cash. These benefits are exclusive to Harley-Davidson card holders. Harley-Davidson cards are for people who have had problems with their credit in the past and want to maintain a solid credit rating.


LANPASS provides 15,000 bonus miles for the first card use. It also comes with a 10 percent discount on every LAN purchase and 2,000 bonus miles for every annual renewal.

Hardware Store Purchases

Ace Rewards can be earned everywhere a member shops. All cardholders are also entitled to receive additional Ace benefits all throughout the year. It is the only U.S. Bank card that allows cardholders to earn rewards for every dollar spent.

The Great Outdoors

The REI Visa offers 5 percent cash back on all REI purchases and 1 percent for other purchases. Every member approved gets a free gift when they make their first purchase using the card. The REI Visa card also comes with no pre-set spending limits and special dining privileges.

Grocery Shopping Cash Back

123 Rewards offers all cardholders unlimited rewards at Kroger, City Market, King Soopers, QFC, Smith’s and Fry’s. One point is given for every dollar spent on purchases at any store. Two points are earned for every dollar spent in Kroger stores. Members earn three points for every dollar spent on the Kroger family of quality brands.