U.S. Bank embodies "quality over quantity" with its small but powerful selection of credit cards that provide a healthy mix of cash back and flexible travel.

They also offer American Express cards.

Your best cash back option

If cash back is your preference, then the could be your best choice.

You’ll earn 5% for up to $2,000 spent per quarter on 2 categories you get to choose each quarter, such as clothing stores, movie theaters, and car rentals.

But the extra earnings don’t end there.

You also get to pick one everyday category that earns unlimited 2% cash back. Choose between gas stations, grocery stores, and restaurants.

And finally, earn 1% on everything else you spend, all for no annual fee.

If you can maximize the 5% categories, you have one of the best no fee cash back cards available.

Plus, if you sign up right now, you can earn a $150 bonus by making $500 in purchases within the first 90 days. Not bad!

Flexible rewards

If flexible rewards are your preferred choice, then the is a great choice.

You’ll earn points that can be used for any kind of travel you like, with no blackout dates or online redemption fees. If travel isn’t your thing, you can also use your points on cash back, merchandise, and gift cards.

To get you started, U.S. Bank will give you a welcome bonus of 30,000 points when you spend $2,000 in the first 4 months – worth $450 when redeemed for travel.

Then to keep earning points, this is what you’ll get per dollar spent:

  • 3 points at restaurants,
  • 2 points at airlines and gas stations, and
  • 1 point everywhere else.

There’s also a couple great perks, like automatic statement credits for TSA PreCheck or Global Entry and a $25 airline allowance for an award airline ticket (which can be used towards baggage fees or in-flight purchases).

For an annual fee of $85, there’s a lot here.

Prefer Visa over Amex?

If you prefer Visa over an American Express card, then the is a better choice for you.

For a lower annual fee of $49 (with your first year free), you’ll get a slightly less impressive welcome bonus. But, at a value of $400 (when used for travel redemptions), it’s not bad.

There’s also a slight change in earn rates:

  • 2 points on either gas, groceries, or airlines (earn 2 points on the highest monthly spend for one of these categories),
  • 2 points on charities and your cell phone plan, and
  • 1 point everywhere else.

You’ll get the same perks as you do with the Amex option.

For a lower annual fee (plus the first year free), this may be the card to consider.

Compare U.S. Bank Credit Cards

The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.

* Conditions apply.