U.S. Bancorp credit card terms
Top-25 issuer · 5 products surveyed · CFPB TCCP survey, Jul-Dec 2025
U.S. Bancorp reported a surveyed purchase APR of 16.49% – 30.49% (median 24.49%) to the CFPB Terms of Credit Card Plans survey, across 5 products. It is one of the 25 largest U.S. card issuers. No annual fee was reported for its surveyed cards. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
U.S. Bancorp surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 16.49% – 30.49% |
| Median purchase APR | 24.49% |
| Rate type | variable |
| Intro / promo APR offered | Yes |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 31.49% |
| Annual fee | — |
| Late fee (median) | $30 |
| Secured card offered | Not reported |
| Products surveyed | 5 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means U.S. Bancorp did not report that field in the survey.
U.S. Bancorp purchase APR by credit tier
Median purchase APR U.S. Bancorp reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | 27.99% |
| Good credit (620-719) | 26.99% |
| Great credit (720+) | 20.49% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How U.S. Bancorp compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. U.S. Bancorp's median of 24.49% sits above the 21% national average APR.
Similar issuers (top-25 issuer)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| U.S. Bancorp (this issuer) | 16.49% – 30.49% | 24.49% | — |
| USAA Federal Savings Bank | 10.65% – 27.65% | 24.65% | $95 |
| TD Bank | 17.24% – 28.99% | 23.99% | $29 – $89 |
| Citizens Bank | 15.74% – 29.24% | 23.49% | $295 |
| Regions Bank | 18.49% – 28.49% | 25.49% | — |
| Fifth Third Bank | 8.99% – 29.49% | 25.99% | $24 |
| PNC Bank | 18.49% – 30.24% | 26.12% | — |
USAA Federal Savings Bank · TD Bank · Citizens Bank · Regions Bank · Fifth Third Bank · PNC Bank
Frequently asked questions
What is U.S. Bancorp's credit card APR?
U.S. Bancorp reported a purchase APR of 16.49% – 30.49% to the CFPB Terms of Credit Card Plans survey (median 24.49%), across 5 surveyed products. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does U.S. Bancorp charge an annual fee?
U.S. Bancorp did not report an annual fee for its surveyed cards (most general cards from this issuer have no annual fee, though premium cards can). Verify the specific card's terms.
Is U.S. Bancorp a good choice for a low APR?
U.S. Bancorp is one of the 25 largest issuers. The CFPB found large issuers charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) more than small banks and credit unions. If a low APR is the priority, compare a local credit union.
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Sources & accuracy
Terms reported by U.S. Bancorp (U.S. Bancorp) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29