Training Example: U.S. Bank – Review the Data, Give Your Score & Compare to the Real AI Evaluation

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[H1] Personal Banking
[H2] Every win starts with a team.
That’s why U.S. Bank Smartly Checking & Savings are designed to work together, so you start earning more from day one.

Open Checking & Savings

See our partnership

Access your account.

Go to login

Enroll in online banking

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[H2] Business checking
[H3] Score a bonus of up to $1,200 with a new account
Choose a business checking account with card payment processing.
Terms apply.

Apply now

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[H2] Student scholarship
[H3] You could win up to $20,000 for college or trade school.

Learn how

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[H2] Home equity loans & lines
[H3] Put your home’s value to work with a U.S. Bank Home Equity Loan or Line of Credit.

Check your rate

Credit cards

Checking accounts

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CD accounts

Mortgage

Investing

[H2] Banking smarter is easier than ever
Unlock more benefits and rewards plus track your money in one app when you open a checking account.
Apply in minutes with just $25.

Open a checking account

[H2] Set goals, stay on track, achieve more all in one place
Monitor bills & subscriptions to maintain control of your budget.
Accelerate savings with automated tools to help your money grow.
Manage your rewards and discover new perks.
Send and transfer money on your time.

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[H2] Connect with us

Search locations

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[H2] Feel confident when you borrow money. Our experts are here to guide you.

Auto financing that puts you in the driver's seat.

Take the next step to owning a home.

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Unlock the potential of your home’s equity.

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[H3] Vacation season

[H4] Smart ways to save and budget for your next trip.

Start planning

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[H3] save & budget

[H4] Youth sports can cost more than you expect.

Budget with confidence

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[H3] Freshly familiar

[H4] A fresh new look for the U.S. Bank Visa® Debit card.

See what’s new

Start of disclosure content

[H2] Disclosures

Investment and insurance products and services including annuities are:
Not a deposit • Not FDIC insured • May lose value • Not bank guaranteed • Not insured by any federal government agency.

U.S. Bank, U.S. Bancorp Advisors, and their representatives do not provide tax or legal advice. Each individual's tax and financial situation is unique. Clients should consult their tax or legal advisor for advice and information concerning their particular situation.

Brokerage and investment advisory products and services are offered by U.S. Bancorp Advisors, LLC, an SEC-registered broker-dealer, investment adviser, member FINRA and SIPC, and subsidiary of U.S. Bancorp and affiliate of U.S. Bank, N.A.

For U.S. Bank:

U.S. Bank is not responsible for and does not guarantee the products, services or performance of U.S. Bancorp Advisors.

U.S. Bank does not offer insurance products. Insurance products are available through our affiliate USBA Insurance Services.

Mortgage, home equity and credit products are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.

The creditor and issuer of U.S. Bank credit cards is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Inc. and American Express. American Express is a federally registered service mark of American Express.

Fortune, ©2024 Fortune Media IP Limited. All rights reserved. Used under license. Fortune® is a registered trademark and Fortune World’s Most Admired Companies™ is a trademark of Fortune Media IP Limited and are used under license. Fortune and Fortune Media IP Limited are not affiliated with, and do not endorse the products or services of, U.S. Bancorp, N.A.

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Equal Housing Lender

[H1] Featured credit card offers
use the arrows to move the images left or right

[H2] U.S. BANK SMARTLY™ VISA SIGNATURE® CARD
Earn unlimited 2% cash back on every purchase1

See all features

[H2] U.S. BANK SHIELD™ VISA® CARD
Get a low intro APR

See all features

[H2] U.S. BANK CASH+® VISA SIGNATURE® CARD
Earn up to 5% cash back on two categories you choose 10

See all features

[H2] Find a credit card that fits your lifestyle.
[H3] FILTER BY CARD FEATURE

All credit cards

Cash back

Points

Low intro rate

Travel

No annual fee

Build credit

Flexible financing

All credit cards

All credit cards

Cash back

Points

Low intro rate

Travel

No annual fee

Build credit

Flexible financing

[H3] U.S. Bank Smartly™ Visa Signature® Card
[H4] Earn unlimited 2% cash back on every purchase.1

New offer
New offer

[IMG: Bank Smartly® Visa Signature® Card]

Apply now

See all features

New offer
New offer

[H3] U.S. Bank Smartly™ Visa Signature® Card
[H4] Earn unlimited 2% cash back on every purchase.1

Unlimited 2% cash back earn
on every purchase with no caps1

Up to an additional 2% cash back
on your first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly® Savings account plus qualifying balances in U.S. Bank Smartly® Checking and/or Safe Debit account(s).1
Total of 2.5% cash back with a qualifying balance between $10,000 to $49,999
Total of 3% cash back with a qualifying balance between $50,000 to $99,999
Total of 4% cash back with a qualifying balance of $100,000 or more
These cash back rates can be obtained when rewards are redeemed into an eligible U.S. Bank deposit account.2

$0 Annual Fee
Enjoy great benefits with no annual fee plus a 0% intro APR3 on purchases and balance transfers4 for the first 12 billing cycles. After that, a variable APR applies, currently $

[H5] Earn unlimited 2% cash back, with the ability to earn even more!
Annual Fee: $
APR: 0% intro APR3 on purchases and balance transfers4 for the first 12 billing cycles. 
After that, a variable APR, currently $

[H3] U.S. BANK SHIELD™ VISA® CARD
[H4] Get a low intro APR for 21 billing cycles.5

Translucent card
Translucent card

[IMG: U.S. Bank Shield Visa Card]

Apply now

See all features

Translucent card
Translucent card

[H3] U.S. BANK SHIELD™ VISA® CARD
[H4] Get a low intro APR for 21 billing cycles.5

Low intro APR
0% intro APR5 on purchases and balance transfers4 for the first 21 billing cycles. After that, a variable APR, currently $.

4% cash back
On prepaid air, hotel and car reservations booked directly in the Travel Center when you use your card.6

[H5] Fuel your dreams with a low intro APR.
Annual Fee: $
APR: 0% intro APR on purchases and balance transfers4 for the first 21 billing cycles.

[H3] U.S. BANK SPLIT™ WORLD MASTERCARD®
[H4] Pay later – on every purchase.

New card
New card

[IMG: U.S. Bank Split World Mastercard]

Apply now

See all features

New card
New card

[H3] U.S. BANK SPLIT™ WORLD MASTERCARD®
[H4] Pay later – on every purchase.

No fees, no interest on all purchases for 3 months
All purchases are automatically divided into 3 payments and placed into a payment Plan to be paid back over 3 months, with no Plan Fee.7,8

Choose to extend Plans to 6 or 12 months
You can extend payment plans to 6 or 12 months with equal monthly payments and no interest, for just a small, fixed monthly Plan Fee.7,8

[H5] Pay at your pace.

[H3] U.S. BANK CASH+® VISA SIGNATURE® CARD
[H4] Earn a bonus that has increased from $200 to $250 cash back.9

New offer
New offer

[IMG: Cash+® Visa Signature® Card]

Apply now

See all features

New offer
New offer

[H3] U.S. BANK CASH+® VISA SIGNATURE® CARD
[H4] Earn a bonus that has increased from $200 to $250 cash back.9

Up to 5% cash back10
on two categories you choose each quarter.11

2% cash back
on one everyday category you choose each quarter.

1% cash back
on all other eligible purchases.

[H5] Maximize your cash back on every purchase.
Annual Fee: $
APR: 0% intro APR12 on purchases and balance transfers4 for the first 15 billing cycles. After that, a variable APR, currently $.

[H3] U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD
[H4] Earn 20,000 bonus points.13

[IMG: Altitude® Go Visa Signature® Card]

Apply now

See all features

[H3] U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD
[H4] Earn 20,000 bonus points.13

4X points
on dining, takeout and restaurant delivery on your first $2,000 each quarter.14

2X points
at grocery stores* and gas stations/EV charging stations*.

2X points
on streaming services.

1X point
on all other eligible purchases

Plus, a $15 credit for annual streaming service purchases.15

* Excludes discount stores/supercenters and wholesale clubs

[H5] Turn everyday spend into extra ordinary rewards.
Annual Fee: $
APR: 0% intro APR16 on purchases and balance transfers4 for the first 15 billing cycles. After that, a variable APR, currently $.

[H3] U.S. BANK ALTITUDE® CONNECT VISA SIGNATURE® CARD
[H4] Earn 20,000 bonus points.17

[IMG: Altitude® Connect Visa Signature® Card]

Apply now

See all features

[H3] U.S. BANK ALTITUDE® CONNECT VISA SIGNATURE® CARD
[H4] Earn 20,000 bonus points.17

5X points
on prepaid hotels and car rentals booked directly in the Travel Center when you use this card.18

4X points
on travel.

4X points
at gas stations and EV charging stations* on your first $1,000 each quarter.

2X points
on dining, streaming services and at grocery stores*. 1X point on all other eligible purchases.

* Excludes discount stores/supercenters and wholesale clubs

[H5] Travel in style, elevate your rewards.
Annual Fee: $
APR: 0% intro APR19 on purchases and balance transfers4 for the first 15 billing cycles. After that, a variable APR, currently $.

[H3] U.S. BANK SHOPPER CASH REWARDS® VISA SIGNATURE® CARD
[H4] Earn up to 6% cash back plus $250.20,21,22

[IMG: Shopper Cash Rewards® Visa Signature® Card]

Apply now

See all features

[H3] U.S. BANK SHOPPER CASH REWARDS® VISA SIGNATURE® CARD
[H4] Earn up to 6% cash back plus $250.20,21,22

6% cash back
on your first $1,500 in combined eligible purchases each quarter with two retailers you choose.20

3% cash back
on your first $1,500 in eligible purchases on your choice of one everyday category.

1.5% cash back
on all other eligible purchases.

[H5] Cash back amplified at your favorite retailers.
Annual Fee: $0 intro for the first year ($/year thereafter).
APR: $

[H2] Build credit for tomorrow.23
Our credit-building cards let you spend just like you would with a traditional credit card. The main difference is you’ll need to make a refundable security deposit from $300 to $5,000, to set your credit limit. Spend within your limit and pay your bill when it’s due. Over time, this will help build your credit and you may be able to graduate to a traditional card.

[H3] U.S. BANK ALTITUDE® GO SECURED VISA® CARD
[H4] Earn up to 4X points while building credit.23

Secured card
Secured card

[IMG: Altitude® Go Secured Visa® Card]

Apply now

See all features

Secured card
Secured card

[H3] U.S. BANK ALTITUDE® GO SECURED VISA® CARD
[H4] Earn up to 4X points while building credit.23

4X points
on dining, takeout and restaurant delivery on your first $2,000 each quarter.24

2X points
at grocery stores* and gas stations/EV charging stations*.

2X points
on streaming services.

1X point
on all other eligible purchases.
Plus, a $15 credit for annual streaming service purchases.25

* Excludes discount stores/supercenters and wholesale clubs

Annual Fee $
Credit limit: $300 to $5,000

[H3] U.S. BANK CASH+® SECURED VISA® CARD
[H4] Build credit23 and earn cash back.

Secured card
Secured card

[IMG: Cash+® Secured Visa® Card]

Apply now

See all features

Secured card
Secured card

[H3] U.S. BANK CASH+® SECURED VISA® CARD
[H4] Build credit23 and earn cash back.

Up to 5% cash back10
on two categories you choose each quarter.11

2% cash back
on one everyday category you choose each quarter.

1% cash back
on all other eligible purchases.

Annual Fee: $
Credit limit: $300 to $5,000

[H3] U.S. BANK SECURED VISA® CARD
[H4] Enjoy no annual fee and credit-building benefits.23

Secured card
Secured card

[IMG: Secured Visa® Card]

Apply now

See all features

Secured card
Secured card

[H3] U.S. BANK SECURED VISA® CARD
[H4] Enjoy no annual fee and credit-building benefits.23

View your credit score
anytime, anywhere in the mobile app or online banking. It's easy to enroll, easy to use and free to U.S. Bank customers.26

Choose your payment due date.
Everyone’s schedule is different. So it’s handy to be able to pick when your payment is due.27

Zero fraud liability
You are not responsible for unauthorized transactions if your card is ever lost or stolen.28

Annual Fee: $
Credit limit: $300 to $5,000

[H2] Small business credit cards

[H3] Power your business purchases.
From points to cash back, there’s a credit card with benefits made for your business.

View business credit cards

[H2] Card partners

[H3] See more cards with rewards.
Learn about the retailers, airlines and other businesses we partner with to offer rewards credit cards.

Explore partner cards

[H2] U.S. BANK SMART REWARDS®

[H3] Get access to more benefits.
Unlock perks with a U.S. Bank Smartly® Checking account and credit card – like exclusive cash-back deals and more.

Learn more

[H2] Retrieve your mail offer

[H3] Accept your card offer.
Ready to take the next step? Have the confirmation number from your offer invitation handy before you get started.

Retrieve your offer

[H2] Frequently asked questions

[H3]

What credit score is needed to qualify for a U.S. Bank Credit Card?

In general, our credit card products are for customers with a credit score in the good to excellent range. We also offer several secured credit card products which are designed for people looking to build or rebuild their credit with responsible use.

[H3]

How does a credit card work?

A credit card allows you to borrow money, with the intention you’ll pay back the lender (your bank) later on. While it sounds simple, credit can get complex.

[H3]

What is a good credit score?

A credit score of 700 or above is considered good. Credit scores range from 300 to 850 – the higher, the better. Learn about the factors that affect your credit score.

[H3]

How can I improve my credit score?

There are simple things you can do to build and maintain good credit. Pay your entire balance on time every month, stay below your credit limit and follow these other tips for improving your credit score.

[H3]

What U.S. Bank credit cards are best for maximizing rewards?

U.S. Bank offers a variety of rewards credit cards, including cash back, travel and points rewards. You can compare and choose the best card that fits your lifestyle.

[H3]

Do U.S. Bank credit cards offer contactless payment?

Yes. All U.S. Bank credit cards offer contactless chip technology that allow for enhanced security and touch-free payments, at the millions of retail store locations that accept contactless payments.

[H3]

Does U.S. Bank offer a low interest rate credit card?

U.S.Bank offers a variety of low interest rate credit cards, allowing you to choose a credit card that fits your lifestyle. To learn more, use our compare tool on this page.

[H3]

What is Real-Time Rewards?

Real Time Rewards is a redemption method offered on several U.S. Bank credit cards that enables you to instantly turn your purchases into rewards. Your mobile device can then be used to immediately redeem points toward a credit card purchase.

[H3]

How do I use Real-Time Rewards on my U.S. Bank credit card to redeem?

Once enrolled, redemption is quick and easy. Make a credit card purchase, and you will receive a text with the option to redeem points toward that purchase. Reply ‘REDEEM’ to complete the redemption.
You must have enough points to cover the entire purchase in order to receive the text message to redeem. Your points will be deducted from your points balance and redeemed in the form of a credit to your monthly billing statement. See Program Rules for additional details.

[H2] For cardmembers

Digital payments overview

Cardmember agreements

Cardmember benefits

Start of disclosure content

[H2] Disclosures

U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions postin

[H2] Meet with a financial specialist.
[H3] Personal banker
Schedule time with a local banker to handle your personal banking needs.Learn more
[H3] Financial advisor
Schedule a call with a financial advisor from our affiliate, U.S. Bancorp Investments.Learn more
[H3] Business banker
Meet with a business banker to learn what options are available for your business.Learn more
[H4] Mortgage loan officer
Search for a mortgage loan officer close to home.Learn more
[H2] Bank when and where you want.
[H3] A mobile app that’s designed with you in mind.
[H3] Bank from anywhere you have a mobile connection with the U.S. Bank Mobile App.
[IMG: the U.S. Bank mobile app allows you to view your finances in a snapshot]
[H3] A mobile app that’s designed with you in mind.
[H3] Bank from anywhere you have a mobile connection with the U.S. Bank Mobile App.
Transfer between your accountsDeposit checksManage and pay billsSend, receive and request moneyLearn moreLearn more
[H3] Appointments
Connect with a local banker and get the answers you need, when you need them.Make an appointment
[H3] Online banking
Get the information and features you need to manage your money on your computer.See more details
[H3] 24-hour banking
Contact us at 1-800-USBANKS (872-2657) and we’ll connect you with the right banker.Call now
[H2] Get answers to your questions before you visit us.
[H3] What can I do online or on the mobile app?
Sometimes, using online banking or the U.S. Bank Mobile App can save you a trip to the branch or an appointment with a banker. Open an account, view current balances and transactions, transfer funds, access e-statements and tax documents, stay in control of your financial data and much more. Learn more about mobile and online banking.
[H3] What can I do at a U.S. Bank ATM?
Here’s what you can do at most U.S. Bank ATMs, besides withdraw cash:Check your bank account balancesDeposit cash and checksTransfer money between accountsMake paymentsReset your card PINLearn more
[H3] Can I exchange currency at U.S. Bank?
Yes, you can order and buy foreign currency by visiting a branch. It’s a good idea to make an appointment to allow time for questions and processing. Schedule an appointment today to visit the branch at your convenience.
[H3] What is a virtual appointment?
U.S. Bank virtual appointments use two-way video streaming technology to support your banking and financial needs. It allows you to have the same face-to-face interaction that you would have in your local branch but without leaving your home. Schedule a virtual appointment for help with a wide range of tasks, such as enrolling in online banking, setting up direct deposit, ordering new debit cards and more.
[H3] What should I bring to my U.S. Bank appointment?
What you’ll need will depend on the reason for your visit. For most appointments, you’ll need proof of your identity, such as:Valid driver’s licenseState-issued photo IDValid passportFind more specifics and get answers to other common questions under support for appointment scheduling.Learn more
[H3] What is a MoneyPass® ATM?
MoneyPass is a surcharge-free ATM network. This means you don’t have to pay an ATM fee for getting cash. Please note that deposits are not accepted at non-U.S. Bank ATMs. If a surcharge is charged to your account, please call 800-872-2657 to speak with a representative.
[H3] Which states have U.S. Bank branches?
ArizonaArkansasCaliforniaColoradoIdahoIllinoisIndianaIowaKansasKentuckyMinnesotaMissouriMontanaNebraskaNevadaNew MexicoNorth CarolinaNorth DakotaOhioOregonSouth DakotaTennesseeUtahWashingtonWisconsinWyoming
[H4] Disclosures
Investment and insurance products and services including annuities are:Not a deposit • Not FDIC insured • May lose value • Not bank guaranteed • Not insured by any federal government agency.U.S. Bank, U.S. Bancorp Advisors and their representatives do not provide tax or legal advice. Your tax and financial situation are unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.For U.S. Bancorp Advisors:Brokerage and investment advisory products and services are offered by U.S. Bancorp Advisors, LLC, an SEC-registered broker-dealer, investment adviser, member FINRA / SIPC, and subsidiary of U.S. Bancorp and affiliate of U.S. Bank, N.A.For U.S. Bank:U.S. Bank is not responsible for and does not guarantee the products, services or performance of U.S. Bancorp Advisors, LLC.U.S. Bank does not offer insurance products. Insurance products are available through our affiliate USBA Insurance Services.Mortgage, home equity and credit products are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.The creditor and issuer of U.S. Bank credit cards is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Inc. and American Express. American Express is a federally registered service mark of American Express.
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Equal Housing Lender

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[H3] Manage settings & scheduling
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[H2] Customer service areas

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[H2] Stay in the know

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[H2] U.S. Bank Digital Explorer
[H3] Interactive tutorials for digital banking
Learn to bank in the U.S. Bank Mobile App and online banking with simple, interactive demos for everyday tasks.

Visit U.S. Bank Digital Explorer

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[H2] Financial education
[H3] Your financial questions, answered
Check out these helpful articles to learn more about personal finance, or brush up on your money knowledge.

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[H2] Newsroom
[H3] What’s happening at U.S. Bank
Read up on the latest news, announcements and stories from U.S. Bank.

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