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  US Bank SKYPASS Visa Signature® Card

US Bank SKYPASS Visa Signature® Card

in Personal Credit Cards from US Bank

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US Bank SKYPASS Visa Signature® Card

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in Personal Credit Cards from US Bank

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Highlights
Purchase APR  (Variable APR) 15.99% - 23.99%
Balance Transfer APR  (Variable APR) 15.99% - 23.99%
Credit Score Range 650 - 850
Annual Fee $95

US Bank SKYPASS Visa Signature® Card Review

This is a rewards credit card issued by US Bank. If you're wondering whether US Bank SKYPASS Visa Signature® Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Signup bonus. Offers a signup bonus of 30000 points after spending $3,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. US Bank SKYPASS Visa Signature® Card has a variable purchase APR that ranges from 15.99% up to 23.99%.
  • 3% Balance transfer fee. US Bank SKYPASS Visa Signature® Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Accepts cosigners. US Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of US Bank SKYPASS Visa Signature® Card
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • US Bank SKYPASS Visa Signature® Card reports to multiple credit bureaus.
  • Charges an annual fee of $95
  • Charges a 3% balance transfer fee.
US Bank SKYPASS Visa Signature® Card FAQ

Does US Bank SKYPASS Visa Signature® Card have a cash back or rewards program?

US Bank SKYPASS Visa Signature® Card is a travel rewards card.

US Bank SKYPASS Visa Signature® Card Rewards
Minimum rewards rate 1x
Max rewards rate 2x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 30000
Signup Bonus Spend Requirement $3000
Signup Bonus Spend Period (months) 3 months
Annual Loyalty Bonus (Points/Miles) 2000

Does US Bank SKYPASS Visa Signature® Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 30000 points signup bonus after spending $3000 that can be redeemed for travel, gifts, or other perks.

Does US Bank SKYPASS Visa Signature® Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus. However, it does include an annual loyalty bonus of 2000 points that can be redeemed for travel, gifts, and other perks.

What are the US Bank SKYPASS Visa Signature® Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for US Bank SKYPASS Visa Signature® Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 15.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 23.99%. It also has a variable cash advance APR of 25.99% .

Does US Bank SKYPASS Visa Signature® Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does US Bank SKYPASS Visa Signature® Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for US Bank SKYPASS Visa Signature® Card?

The following fees apply:

  • There is no overlimit fee
US Bank SKYPASS Visa Signature® Card Fees
Fees Amount
Annual Fee $95
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $40
Late Payment Fee up to $40

Does US Bank SKYPASS Visa Signature® Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for US Bank SKYPASS Visa Signature® Card?

The US Bank SKYPASS Visa Signature® Card customer service number is (800) 872-2657.

What is the support contact email for US Bank SKYPASS Visa Signature® Card?

The support contact email for US Bank SKYPASS Visa Signature® Card is customer.support@usbank.com.

Does US Bank SKYPASS Visa Signature® Card report your account activity to credit bureaus?

Yes, US Bank SKYPASS Visa Signature® Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for US Bank SKYPASS Visa Signature® Card

  • Visit the US Bank SKYPASS Visa Signature® Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 5:30pm
  • Tuesday 8:30am - 5:30pm
  • Wednesday 8:30am - 5:30pm
  • Thursday 8:30am - 5:30pm
  • Friday 8:30am - 5:30pm
  • Saturday Closed

Other Services by US Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $95
Minimum Interest Charge $2
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Co-signing Allowed
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Extended Warranty Protection
Annual Loyalty Bonus (points) 2,000
Rewards Categories
  • Miles on Airfare
  • Miles on Every Purchase
Signup Bonus (points) 30,000
Cash Advance APR (Variable APR) 25.99%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 15.99% - 23.99%
Balance Transfer APR (Variable APR) 15.99% - 23.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Travel
  • Airline
  • Bonus Offers
Card Network Visa

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