Find the Right US Bank Credit Card for You

One of the reasons US Bank credit cards are such a popular choice for credit card customers is the tremendous selection of cards it has to offer. US Bank has a card that is right for almost every person out there, no matter how unique your needs may be. To find the card that best suits your needs, we've established this brief guide for you.

Determine What You Want from a Credit Card

Before you go shopping for US Bank credit cards, you'll want to have a good grasp on what you're looking for in a card. Ask yourself these questions:

• How important are rewards to me?If you would like to earn rewards with retailers, airlines, or just cash-back, then you'll want a rewards card that can offer you these perks. Figure out how much of a priority this is to you and what kind of rewards you prefer.
• Will I take advantage of a balance transfer offer?If you would like to transfer other, high-interest debt to another, lower-interest card, pay special attention to cards that come with attractive balance transfer APR's. This can help you save money on interest and give you more time to pay off your balance.
• Do I usually carry a balance month-to-month?Some people know they will pay off their entire balance each month consistently. For those people, low APR's will be less of a concern than other features. However, if you know you tend to carry a balance from month to month, you'll want to prioritize low-APR cards.
• What's my credit like?The US Bank credit cards that you are eligible for and that will be most beneficial will also largely depend on your credit. If you have excellent credit, you might be eligible for 0% APR offers and platinum card benefits. If you have poor credit, US Bank also offers cards tailored to meet your needs.
• Am I a currently enrolled college student?Some US Bank credit cards are meant specifically for students/young adults who are currently in school. If you meet this criterion, you might consider a US Bank credit card designed for students to help you build good credit for life.
• Do I want to build or re-establish my credit?For people with poor or limited credit history, US Bank offers special credit cards for your needs. People with limited or no credit history might qualify for student/young adult cards that will help you build credit toward your financial future. If you have a poor credit history but would like to re-establish your credit, US Bank offers secured credit cards that can help you do just that.

Types of Cards Offered

Now that you have a better idea of what you need from your card, you can take a look at the types of credit cards US Bank has to offer. Here is a basic outline of US Bank credit cards, broken down by category.

• Traditional cards.These cards come with all the basics for people who are looking for a more traditional card. Traditional US Bank credit cards usually include cards with platinum benefits and attractive introductory APR's.
• Student & young adult cards.These cards are great for people who are in college and/or just starting out financially. These US Bank credit cards generally offer benefits like overdraft protection, credit limit increases over time, and the ability to turn purchases into rewards (with select cards).
• Re-establishing credit cards.Such US Bank credit cards help you improve your poor credit history by giving you a secured credit line with overdraft protection. This type of card is also good for those with no or limited credit history. The best part is, once you demonstrate your ability to pay responsibly for a certain period of time, US Bank might be able to move you to an upgraded card.
• Rewards cards.This category of US Bank credit cards is huge because there are so many options. Here are the types of rewards US Bank credit cards have to offer:
• Travel rewards.By making purchases, you can earn free flights, hotel stays, etc.
• Cash rewards.You receive a percentage of your purchases in cash back.
• Retail rewards.These cards let you earn dollars, points, or discounts with specific retailers. Retailers US Bank partners with include Harley-Davidson, Gymboree, and Sportsman's Warehouse, to name a few.
• Choice of rewards.This type of US bank rewards credit cards lets you earn rewards of your choice, such as merchandise or gift certificates.