US Bank

The Highlights

US Bank has very stringent approval criteria. Specifically, they look at credit inquiries and new cards with the highest limitation. This means you’ll want to apply for U.S. Bank cards either (1) while first getting into the hobby or (2) after taking a break on new cards for a while.

Since the net bonus value (after annual fee) is relatively low, it's usually (2).

U.S. Bank Business cards don't count against against personal credit card rules such as 5/24. Still, there are many cards with higher bonuses that fall into this category, so any U.S. Bank card would probably fall down to the 15th-20th card we would recommend. If you are in this range, take a look at the cards below.

When points appear

Once you receive your next statement, pending points become earned rewards.