Here are all the available U.S. Bank promotions and what you need to know about them; how to qualify, best bonuses currently available, when the offers expire, and more!
Established in 1863 and headquartered in Minnesota, U.S. Bank is the fifth largest banking institution in the United States with over 2,000 branches across 26 states. U.S. Bank is eager for new customers and is offering generous promotions for opening new bank accounts and credit cards.
For more current bank offers, see our bank bonuses page. The most popular offers are from Chase Bank, SoFi, KeyBank, BMO and Axos Bank.
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Current U.S. Bank Promotions
1. U.S. Bank Business Checking Account – $500 Bonus
Earn a $500 bonus when you open a Business Essentials account online with promo code Q2AFL25 and complete qualifying activities, subject to certain terms and limitations. Member FDIC.
To earn the bonus, you need to:
- Make deposit(s) of at least $5,000 in new money within 30 days of account opening.
- Maintain a daily balance of at least $5,000 until the 60th day after account opening.
- Complete 5 qualifying transactions within 60 days of account opening.
Bonus Amount: $500
Account Type: Business Checking
Availability: Nationwide
Expiration: June 30, 2025
2. U.S. Bank Smartly® Checking Account – Up to $450 Bonus
U.S. Bank is offering up to a $450 bonus when you open a new U.S. Bank Smartly® Checking account online and complete qualifying activities. Subject to certain terms and limitations.
Bonus Amount: up to $450
Account Type: Personal Checking
Availability: Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm
Expiration: April 17, 2025
U.S. Bank Smartly® Checking Account Bonus Requirements:
Earn up to $450 with a new Bank Smartly Checking account when you complete the following requirements:
- Open your checking account with an opening deposit of $25 within 30 days.
- Enroll in online banking or the U.S. Bank Mobile App.
- Make two or more direct deposits that combine for a total at least $2,000 to earn a $250 bonus. Make two or more direct deposits that combine for a total at least $5,000 to earn a $350 bonus. Make two or more direct deposits that combine for a total at least $8,000 to earn a $450 bonus.
3. U.S. Bank Business Money Market Account – Up to 4.00% Bonus Interest Rate (4.08% APY)
Receive a bonus interest rate up to 4.00% bonus interest rate from the account opening date when you open a new Platinum Business Money Market Account and complete qualifying activities, subject to certain terms and limitations. Member FDIC.
Bonus Amount: up to 4.00% bonus interest rate
Account Type: Business Money Market
Availability: Nationwide
Expiration: No Expiration
The balance needs to be between $25,000 and $2,999,999.99 to earn the rate.
Bonus Requirements:
- Open a new U.S. Bank Platinum Business Money Market Account account with this link.
- Receive a bonus interest rate up to 4.00% (4.08% APY).
4. U.S. Bank Payment Solutions – Up to $1,000 in Statement Credits
Earn up to $1,000 in statement credits over 3 months when you open a new U.S. Bank Payment Solutions account and complete qualifying activities. Member FDIC.
U.S. Bank Payment Solutions are powered by Elavon, a wholly owned subsidiary of U. S. Bank NA. Elavon assesses the following transaction fees, depending on the acceptance method for the credit card payment:
- Swipe, tap, insert: 2.60% of transaction amount + 10 ¢ per item
- Manual transaction: 3.50% of transaction amount + 15 ¢ per item
- Online payments: 2.90% of transaction amount + 30 ¢ per item
Disclosed transaction fees apply for online applications. Transaction fees may vary and other fees may apply for accounts not opened online.
Bonus Amount: Up to $1,000 back
Account Type: Business Payment Solutions
Availability: Nationwide
Expiration: June 30, 2025
Bonus Requirements:
- Open and be approved for, a new U.S. Bank Payment Solutions Merchant Account (MID) by June 30, 2025 using this link.
- Keep the approved account in an open status and be actively accepting and settling card payments at the time the statement credit is issued.
- Get merchant fees refunded up to $1,000 over three months.
5. U.S. Bank Wealth Management – Up to $1,000 Bonus
Earn up to a $1.000 bonus when you open a new investment account with U.S. Bancorp Investments. Earn $250 when you deposit $250,000 – $499,999, earn $500 when you deposit $500,000 – $999,999, or earn $1,000 when you deposit $1,000,000+.
Bonus Amount: Up to $1,000
Account Type: Brokerage
Availability: Offer may not be available if you live outside of the U.S. Bank footprint
Expiration: EXPIRED on August 31, 2024
Bonus Requirements:
- Open a new U.S. Bancorp Investments account.
- Transfer qualifying new money to your U.S. Bancorp Investments account by 8/31/24.
- Maintain the threshold amount in your new investment account through 12/31/24.
- Receive the bonus on 1/30/25.
6. U.S. Bancorp Investment Automated Investor Account – $100 Bonus
Get a $100 bonus when you invest in yourself with an IRA from Automated Investor and fund it with $1,000 of new cash and/or securities within 30 days of account opening.
Bonus Amount: $100
Account Type: Brokerage
Availability: Offer may not be available if you live outside of the U.S. Bank footprint
Expiration: EXPIRED on April 15, 2024
Bonus Requirements:
- Open a new U.S. Bancorp Investment Automated Investor account.
- Add at least $1,000 of new cash and/or securities within 30 days of opening your account.
- Maintain balance for 120 days.
- Receive a $100 bonus after you have met offer requirements.
7. U.S. Bank Altitude® Go Visa Signature® Card – 20,000 Bonus Points
Open a U.S. Bank Altitude Go Visa Signature credit card and earn 20,000 bonus points when you spend $1,000 in the first 90 days of account opening. The 20,000 points are worth $200 and can be redeemed towards cash back, travel, gift cards, merchandise, and more. Points never expire.
My Radisson Rewards Visa card was discontinued and I was switched to this card. In my opinion, this is a better card with fantastic category bonuses. You’ll earn at the following rates:
- 4x points on dining, takeout, and restaurant delivery
- 2x points at grocery stores, grocery delivery, streaming services, gas stations, and EV charging stations
- 1x point on all other eligible purchases
Plus, enjoy up to a $100 statement credit to reimburse your TSA PreCheck or Global Entry application fee and a $30 credit for annual streaming service purchases like Netflix, Apple TV+, and Hulu.
Bonus Amount: 20,000 points ($200 value)
Account Type: Credit Card
Availability: Nationwide
Expiration: N/A
Bonus Requirements:
- Apply for a new U.S. Bank Altitude® Go Visa Signature® Card with the link below.
- Spend $1,000 in the first 90 days of account opening.
- Receive 20,000 points after meeting bonus requirement.
8. U.S. Bank Altitude® Connect Visa Signature® Card – 50,000 Bonus Points
Earn 50,000 bonus points when you open a U.S. Bank Altitude Connect Visa Signature credit card and spend $2,000 in the first 120 days. The 50,000 points are valued at $500 when redeemed towards cash back, travel, gift cards, and more.
Get more points on card purchases at the following rates:
- 5x points on prepaid hotels and car rentals booked directly with the Altitude Rewards Center
- 4x points on travel, gas stations, and EV charging stations
- 2x points at grocery stores, grocery delivery, dining, and streaming services
- 1x point on all other eligible purchases
Bonus Amount: 50,000 points ($500)
Account Type: Credit Card
Availability: Nationwide
Expiration: N/A
Bonus Requirements:
- Apply for a new U.S. Bank Altitude® Connect Visa Signature® Card with the link below.
- Spend $2,000 in the first 120 days.
- Get 50,000 points after meeting spend requirement.
9. U.S. Bank Cash+® Visa Signature® Card – $200 Bonus
Get a $200 bonus when you open a U.S. Bank Cash+ Visa Signature credit card and spend $1,000 in the first 120 days. Plus, enjoy no annual fee.
With this credit card, you will earn cash back at the following rates:
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
- 2% cash back on one everyday category, like gas stations and EV charging stations, grocery stores or restaurants
- 1% cash back on all other eligible purchases
Bonus Amount: $200 Bonus
Account Type: Credit Card
Availability: Nationwide
Expiration: N/A
Bonus Requirements:
- Open a new U.S. Bank Cash+® Visa Signature® Card using the link below.
- Spend $1,000 in the first 120 days of account opening.
- Get a $200 bonus after meeting spend requirement.
Expired U.S. Bank Bonuses
The following are previous U.S. Bank promotions, welcome offers, and sign-up bonuses that have since expired. U.S. Bank may bring them back in the future, but for now, this is for informational and reference purposes only:
- U.S. Bank Smartly™ Checking and Standard Savings Accounts – up to $800 bonus (most recently expired offer)
- U.S. Bank Smartly™ Checking – up to $500 bonus
- U.S. Bank Business Checking – up to $500 bonus
- U.S. Bank Personal Checking – $400 bonus
- U.S. Bank Gold Business Checking – $400 to $750 bonus
- U.S. Bank Payment Solutions – up to $400 for New and Existing Customers
- U.S. Bancorp Investment Account – up to $1,000 Bonus
U.S. Bank Promotions FAQs
Yes, however, some banking products may not be available if you live outside of the U.S. Bank footprint.
Bank accounts offered by U.S. Bank used to be state specific unless you were an existing customer. For instance, if you have a U.S. Bank credit card, you can login with your existing credentials and take part in the bank bonuses. This limitation was eliminated in early 2023.
Bank account opening related bonuses are taxable and may be reported on IRS Form 1099-MISC. U.S. Bank will send you a 1099-MISC at the end of the year if you earned more than $600 in bonuses.
You’re still required to self-report and pay taxes even if you didn’t receive a 1099-MISC (or 1099-INT). Consult your tax advisor for further information.
On the other hand, credit card bonuses, whether cash or reward points, are typically not taxed because most credit card offers require a minimum spending amount to qualify for the bonus. The rewards are considered a rebate on the purchase rather than taxable income.
You can find promo codes for U.S. bank on this page or by searching for other U.S. Bank promotions on this site. Any deals found here will automatically attached the relevant code for you.
While we list all publicly available offers, some deals may be targeted to specific customers and vary slightly from what you see here.
Yes, most U.S. Bank promotions have expiration dates unless otherwise stated. Some offers may not have one and those will be marked with an expiration date of ‘N/A’.
Keep in mind that many national banks, including U.S. Bank, renew or extend some offers as the old ones expire. However, the bonus amount, requirements, and/or terms and conditions may be different.
U.S. Bank personal checking bonuses generally arrive within 60 days of completing the requirements, business banking bonuses within 45 days, and credit card offers can take up to 6 to 8 weeks (although customers have received bonuses earlier than that).
In my experience, U.S. Bank has been pretty good about sending rewards earlier in the stated time frames. If you haven’t received your bonus in the expected amount of time, contact U.S. Bank’s customer service at (800) US-BANKS (800-872-2657).
Maybe. You can take part in multiple offers as long as each product is from a different product group. For example, you can receive a personal checking account bonus along with a business checking account bonus as those accounts are from separate product groups (personal checking vs business checking).
However, you won’t receive a personal checking account bonus if you have an existing U.S. Bank personal checking account or your previous one was closed less than two years ago.
When in doubt, read the fine print!
The Bottom Line
U.S. Bank offers some of the most generous bank account bonuses and credit card offers. That’s great for people who reside in one of the states that they operate in, but unfortunate for those who are outside of U.S. Bank’s geographic footprint.
I started my banking relationship with U.S. Bank many years ago (2014?) when they first launched the Club Carlson credit card. It had one of the best credit card benefit ever, giving you a bonus award night when you redeemed points for two or more consecutive award nights.
This means I could pay for one reward night and get the second one free, essentially doubling the value of my Club Carlson points. Once the travel blogs picked up on this perk though, it was terminated pretty quickly (and Club Carlson eventually rebranded to Radisson Rewards).
Now I have the U.S. Bank Altitude Go Visa Signature card, which is a great credit card if you spend a lot at restaurants – not many cards offer 4x points for this spending category. My near-term plan is to open both a personal and business checking account to try out their banking products and grab the bonuses.
While you shouldn’t choose a bank based solely on a new customer bonus, it’s a great incentive to try the many banking and credit card products available. Interested in more bank bonuses? Check out the entire list of the best bank bonuses for more options to earn free money and rewards.
Member FDIC
I’m a big fan of these bonuses and do them often. However, I’ve been reading so much lately about banks just up and closing peoples accounts without any notice or explanation. And one of the red flags for banks is that big sums of money come in, then go back out, and apparently, that’s a flag for money laundering and such. All these account closures being reported have scared me a bit over opening accounts all over, meeting the bonus requirements, then moving the money to another bank. What are your thoughts on this?
While banks don’t provide a notice or explanation, the majority of random bank account closures being reported in the news have common patterns you’d want to avoid: large cash deposits, multiple cash deposits under $10,000 (structuring), multiple incoming wires, large/multiple P2P transfers, multiple EFT transfers to external bank accounts not in your name, etc.
I’ve opened many bank accounts and have electronically transferred funds via in and out of the originating account that the funds were from and never had an issue.