Credit card customer service | Helping you navigate | U.S. Bank (2023)

Your security is important to us, so we want to be sure we're talking to you. Please call us at 800-947-1444 and choose option 1 to check the status of your application. We accept relay calls.
Our hours are Monday through Friday from 8 a.m. to 5 p.m. CT.

Did you receive your new card and need to activate it? Here's how:

If you're notlogged into your U.S Bank account, please refer to the number or website listed on the front of your card once received.

If youarelogged into your account, follow the steps below:

Online banking

1. SelectMy Accounts, thenChoose an account to select your credit card.
2. Choose theCard controls tab, then selectActivate card.
3. Enter the card information and follow the prompts to complete the activation.

U.S. Bank Mobile App

1. From the main menu selectManage cards.
2. Select thecard requiring activation.
3. SelectActivate Card. If you have multiple cards awaiting activation, choose the one you'dlike to activate and selectContinue.
4. Provide your card information and last four digits of your SSN, then selectActivate.

The option to add your credit card to your digital wallet is only available on the U.S. Bank Mobile App. This option is not available on usbank.com.

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

Once you are logged into your account dashboard, select the Menu icon in the upper left of the page,then chooseManage cards.
Select thecard you would like to add, then chooseAdd to Digital wallets.

• If the card has not been added it will give you the option to "Add to digital wallet"
• If the card has already been added it will advise "Added"

Setting up electronic statements is easier than ever. Please note the following information:

• You’ll need to have an email address on file.
• Allow one full statement period for the change to take effect.
• Not all accounts are eligible to go paperless*.

Online banking steps:

For the best online banking experience, we recommend logging in at usbank.com.

1. Select My Accounts at the top of the page, choose My documents, then selectPaperless preferences.
2. Mark the checkbox next to a specific account; or mark the check box to go paperless for all eligible accounts.
3. Review the information and notification preferences, then select Save.

U.S. Bank Mobile App steps:

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

1. Open the main menu, choose Statements & docs, then selectPaperless preferences.
2. Mark the checkbox next to a specific account; or mark the check box to go paperless for all eligible accounts.
3. Review the information and notification preferences, then select Save.

Additional information

*The following accounts are eligible for paperless statements.

Enrolling in paperless documents
How to view your paperless documents in the U.S. Bank Mobile App (Tutorial)

We offer a variety of alerts and there's no limit to how many you can have. You can also use up to three different email addresses and/or mobile numbers for notifications. To set up more than one alert, simply repeat the steps below.

Online banking

For the best online experience, we recommendlogging in at usbank.com.

1. SelectCustomer serviceat the top of the page, then chooseMy alerts.
2. Select Account activity below “Notification settings”.
3. Choose the account from the drop-menu.
4. Find the type of alert you want and selectthe toggle to turn it on for each available destination (i.e., email address, mobile number).
   
   • If the alert requires a value to be entered, enter it and selectSave.

U.S. Bank Mobile App

For the best mobile banking experience, we recommend logging in ordownloading the U.S. Bank Mobile App.

1. Open the main menu and selectNotifications.
2. SelectAccounts, then choose the specific alert to set up.
3. Use the toggle button at the top of the screen to allow the notification.
4. Update any necessary information,thenuse the toggle buttons to choose to receive the alert by email or text message.

Additional information

The option to set up or manage account alerts is only available on our full siteusbank.comfor the following products:

• U.S. Bancorp Investments accounts.
• Trust, agency, custody, or IRA accounts with Ascent Private Capital Management, U.S. Bank Private Wealth Management or U. S. Bank Wealth Management.

Demo - add an account alert

To add an authorized user, the request needs to come from an account owner. Up to seven authorized users can be on the account at the same time. Authorized users must be at least 13 years of age. All that's needed to add them is their first and last name, date of birth, and Social Security number. Adding a middle initial is optional.

If you'd like to complete the process by phone or have any questions, please call us at the number on the back of your card or 800-285-8585. We accept relay calls.

To add an authorized user through digital banking, follow the steps below.

Online banking

1. Select Customer Service from the top of the page, then choose Self Service.
2. Within the Credit Cards, Charge Cards and Personal Lines section, select Add Authorized User. If you have multiple credit cards, select the card you'd like to add an authorized user to. Then select Continue.
3. Fill out the authorized user form and select Continue to review.
4. Take a look at the information and if it's correct select Submit authorized user request.

U.S. Bank Mobile App

1. From the account dashboard, select the Menu in the upper left corner, then Manage cards. (Make sure to select the correct card if you have more than one.)
2. Select Add a user from the card controls menu.
3. Fill out the new authorized user form and select Save & continue.
4. Review the information, then select Submit authorized user request.

Additional information

Please be aware of the following information:

• The card will be sent to the address we have on file.
• A credit report is not pulled when we process a request to add an authorized user.
• College, Secured, and Young Adult (co-signer) credit card accounts are not eligible to add authorized users.

Setting up autopay is easier than ever. When you've gone through the process, we'll provide you a confirmation page to review.It'll tell you when the first payment starts, how much is being paid, and what date it'll be paid each month.

To get started, choose the experience that works best for you.

Online banking

For the best online experience, we recommend logging in at usbank.com.

1. Select Bill payments at the top of the page, then choose Pay bills & U.S. Bank accounts.
2. Select the account you want automatically paid, by clicking on the account name, then choose Autopay set up now (found on the right side of the page).
3. Provide the following information.We encourage you to review the terms of service before starting.
   
   • Pay this amount: Choose how much to pay.
     Options include minimum payment, statement balance, minimum payment with extra, or other amount.
   • Deliver payment by: Choose when you'd like the payment to be delivered.
     This is considered the day the payment is made, also known as the transaction date.
   • Pay from: Choose the account to pay from.
     If you're paying from anexternal account, you'll need to add it to your list of external payment accounts before setting up autopay.
4. After you're done reviewing the summary of information, select Start autopay.

U.S. Bank Mobile App

For the best mobile banking experience, we recommend logging in ordownloading the U.S. Bank Mobile App.

1. SelectPay bills & transferat the bottom of the dashboard, then choose Pay bills.
2. Select the account you want automatically paid, then choose Autopay set up now.
3. Provide the following information. We encourage you to review the terms of service before starting.
   
   • Amount to pay: Choose how much to pay.
     Options include minimum payment, statement balance, minimum payment with extra, or other amount.
   • Make payments: Choose when you'd like the payment to be delivered.
     This is considered the day the payment is made, also known as the transaction date.
   • Pay from: Choose the account to pay from.
     If you're paying from anexternal account, you'll need to add it to your list of external payment accounts before setting up autopay.
4. After you're done reviewing the summary of information, select Start autopay.

How you redeem rewards depends on the type of account you have. There are a couple ways to find that information: in the rewards section of your billing statement or log in to digital banking.

If your rewards program is with U.S. Bank (such as Cash+, FlexPerks or Altitude), follow the steps below to review and redeem your rewards.

Online banking

For the best online experience, we recommend logging in at usbank.com.

1. Select the rewards card, choose Go to rewards & benefits, then select Redeem rewards.
2. Choose the category you’d like to browse and follow the prompts to redeem.

U.S. Bank Mobile App

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

1. Select the rewards card, choose Rewards & Benefits, then select Redeem rewards.
2. Choose the category you’d like to browse and follow the prompts to redeem.

Additional Information

A shortcut to the Rewards Center can be found on your dashboard whenever you log into digital banking. Look for "Redeem" right below the account associated with the rewards.

If you don't have the choice to view or redeem rewards, the rewards program may be with a retail partner such as Kroger or SKYPASS. Please contact customer service for rewards information and redemption options. The phone number can be found on your billing statement or on the back of the credit card.

If you have any questions, please call our Rewards Center at 888-229-8864. We accept relay calls.

There are a few options available to reset your credit card PIN. Choose the one that works for you.

Speak with a representative: If you're not sure what your PIN is, call us at the phone number on the back of your card or at 800-285-8585 and request a PIN mailer to be sent to you. We accept relay calls.

Automated phone system: You must have your PIN mailer or the pre-selected PIN to use this option. Call 800-285-8585, listen to the menu options and enter the pre-selected PIN when prompted. We accept relay calls.

Branch/ATM: Visit us at any U.S. Bank branch or ATM. At the terminal, from the main menu, start by selecting Customize ATM, then select Change PIN.

When selecting a PIN, be aware of the following restrictions:

• It can't begin with a zero (0), be all nines (9999), or all zeros (0000)
• You can't select 1234

A PIN mailer is a system generated number. Representatives can't set a specific PIN for you. Once you receive the mailer, follow the above steps to reset your PIN to a new number.

There comes a time when everyone needs additional funds. To submit a credit limit increase, follow the steps below:

Online banking steps:

For the best online experience, we recommend logging in at usbank.com.

1. SelectMy Accounts, thenChoose an account to select your credit card.
2. Choose theAccount servicestab, then selectRequest Credit Limit Increase. If the credit limit request link isn't displayed, call 800-285-8585. We accept relay calls.
3. Provide your income and asset information, then select Continue to housing.
4. Answer the questions, then select Review my request.
   
   • Check the box at the top if your account has multiple owners and everyoneshares the same address.
   • If the box is checked, we won't ask for the other owner's housing information.
5. Verify the details are correct, then select Submit my request.

U.S. Bank Mobile App steps:

For the best mobile banking experience, we recommend logging in ordownloading the U.S. Bank Mobile App.

1. Open the main menu and select Manage cards.
2. Choose the card to submit the credit limit increase for.
3. Select Request Credit Limit Increase. If the credit limit request link isn't displayed, call 800-285-8585. We accept relay calls.
4. Provide your income and asset information, thenselect Continue to housing.
5. Answer thequestions regarding housing information, then select Review my request.
   
   • Check the box at the top if your account has multiple owners and everyoneshares the same address.
   • If the box is checked, we won't ask for the other owner's housing information.
6. Verify the details are correct, then select Submit my request.

Additional information

For income and asset information, we're asking for the following details:

• Your annual income.
• The joint-owner’s annual income, if applicable.
• Your monetary assets.
• The joint-owner’s monetary assets, if applicable.

For housing information, we're asking for:

• The combined monthly housing payment, if applicable.
  Example: Your rent is $900 and you're responsible for one-third. The total monthly housing payment for the home is $900.
• Your monthly housing payment and if you own your home.
  Example: Your mortgage payment is $900 and you're responsible for one-third. Your monthly housing payment is $300.
• Joint-owner's monthly payment and if they own the home, if applicable.
  Example: Their mortgage payment is $900 and the joint-owner responsible for two-thirds. Their monthly housing payment is $600.

We make it easy to get a cash advance from your account.

Online banking steps:

For the best online experience, we recommendlogging in at usbank.com.

1. SelectTransfersat the top of the page, thenGet a cash advance.
2. Choose the account the funds will come from, the account they'll go to, and the amount to advance. Then selectContinue.
3. Review your request, then selectSubmit.

U.S. Bank Mobile App steps:

For the best mobile banking experience, we recommend logging in ordownloading the U.S. Bank Mobile App.

1. SelectPay bills & transferat the bottom of your screen, thenTransfer money.
2. Choose which account the funds will come from, the account they'll go to, enter the amount and select a date (if it's other than the same day).
3. Review your request, then selectTransfer.

Managing your money is important and we want to help. If you've decided to transfer the balance from an external account to your credit card, follow the steps below. If the option to transfer a balance isn't available through digital banking, please call us at 800-285-8585 and any banker can assist. We accept relay calls.

Online banking

For the best online experience, we recommend logging in at usbank.com.

1. SelectMy Accounts, then choose your credit card.
2. Choose the Account services tab, then select Balance transfer from the Payments section.
3. Review the offers shown; when you find one you want, select Choose this offer.
4. Choose a payee or enter one from the drop-down menu.
5. Enter the requested information below, thenchoose Continue when done.If you're having trouble finding this, contact the financial institution's customer service department.
   
   • Payee address
   • Account number to be paid
   • The amount to transfer
   • SelectAdd another transfer if you have multiple payees,
6. Review your balance transfer information. Then select, View balance transfer terms and conditions.
7. If the information is correct and once you've viewed the terms, choose Submit.

U.S. Bank Mobile App

For the best mobile banking experience, we recommend logging in ordownloading the U.S. Bank Mobile App.

1. From the main menu select Manage card.
2. Select your credit card, then choose Transfer a balance from the Control section.
3. Review the offers shown; when you find one you want, select Choose this offer.
4. Choose a payee or enter one from the drop-down menu.
5. Enter the requested information below, thenchoose Continue when done.If you're having trouble finding this, contact the financial institution's customer service department.
   
   • Payee address
   • Account number to be paid
   • The amount to transfer
   • SelectAdd another transfer if you have multiple payees,
6. Review your balance transfer information. Then select, View balance transfer terms and conditions.
7. If the information is correct and once you've viewed the terms, choose Submit.

Additional information

Balance transfers can't be used to pay off or down any account issued by U.S. Bank. Balance transfers do not earn rewards.

If you have any questions, please refer to your card member agreement or call the number on the back of your card.

We're here to help. When we ask for more information about the circumstances, please answer as accurately as you can.

Online banking/U.S. Bank Mobile App

1. Choose the credit card the charge was made to.
2. Select the transaction in question to expand the details and choose Dispute this transaction.
3. Answer the questions to help us determine the reason for your dispute, then select Continue to start your case.

Did you forget your card at the gas station, is it lost at home, or do you want to prevent it from being used? Don't worry, you can quickly lock or unlock your card at any time. Choose the best option below to get started.

If you're not able to find your card or if it was stolen, see: How do I report a credit card as lost or stolen?

Online banking

To get started,log intoonline bankingand follow these steps:

1. Select My Accounts, then Choose an account to select your credit card.
2. Choose Card controls from the tabs in the middle. Then Lock or unlock card.
3. Select Lock card or Unlock card to change the status of the card.

U.S. Bank Mobile App

For the best mobile banking experience, we recommend logging in ordownloading the U.S. Bank Mobile App.

1. From the main menu in the upper left corner, selectManage cards.
2. Choose the card you'dlike and selectLock or unlock card.
3. Select the toggle next toThis card is unlockedorThis card is locked, then selectDone.

If you don't have your credit card, we can close that card number and replace it with a new one. When we do that, we'll send a replacement card to your address on file. If it needs to be delivered to a different address, call Cardmember Service at 800-285-8585*.

Important: If you see any transactionsyou don't recognize, contact usat866-821-8411* right away. We have representatives standing by 24 hours a day to help.

Online banking steps:

For the best online experience, we recommend logging in at usbank.com.

1. Select Customer Service from the top of the page, then chooseSelf Service.
2. Select Report Card Lost or Stolen within the "Credit Cards, Charge Cards, and Personal Lines" section.
3. Select the card you'd like to close and replace.
4. A page will display with the expectations for the process, select Continue.
5. Review the recent transactions, then select Continue.ChooseYes if the transactions are valid.Select No if you don't recognize them.
6. Enter the date the card went missing, then select Continue.
7. Choose which delivery method you'd like, then select Continue. Please note, some credit cards only offer expedited delivery.
8. Review the order details, then select Report Card Lost or Stolen.

• • After the card is reported as lost or stolen, new virtual card information may be available. Just return to the account, look for the account name and select Card number below it.
  • In some cases, it may take one business day for your card informationto be available within digital banking.

U.S. Bank Mobile App steps:

For the best mobile banking experience, we recommend logging in ordownloading the U.S. Bank Mobile App.

1. Open the main menu in the upper left corner, then choose Manage cards.
2. Select the card you'd like to close and replace.
3. SelectReport card lost or stolen.
4. A page will display with the expectations for the process, select Let's begin.
5. Review the recent transactions, then select Continue.Select Yes if the transactions are valid. Select No if you don't recognize them.
6. Enter the date the card went missing, then select Continue.
7. Choose which delivery method you'd like, then select Continue. Please note, some credit cards only offer expedited delivery.
8. Review the order details, then select Report Card Lost or Stolen.

• • After the card is reported as lost or stolen, new virtual card information may be available. Just return to the account, look for the account name and select Card number below it.
  • In some cases, it may take one business day for your card informationto be available within digital banking.

Additional information

To view your card virtually please refer toHow do I find my credit card number (virtual card)?

If you're traveling and expect to make charges, let us know ahead of time through digital banking. You can:

• Add the notification(s) as much as 90 days before your travel date.
• Edit or delete notifications as many times as you'd like.
• Add multiple trips or destinations, as long as the dates for each don't overlap.

This notice helps us protect you against potentially fraudulent activity. For example, if you live in Minnesota and plan to travel to Florida, letting us know when you're down there helps us identify what charges are likely yours, and which ones aren't.

Online banking

You can add, edit or delete your travel notification by logging into online banking and following these steps:

1. Select Customer Service,thenSelf Service.
2. Look for the "Travel Information" section at the bottom of the page, then select Travel Notification.
3. Select Add a trip or if there's a previously entered notificationyou want tomodify, selectEdit trip or Delete trip.
4. Enter your trip details, then selectSave.

U.S. Bank Mobile App

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

1. Open the main menu then select Manage cards.
2. Select the card you'll be traveling with, then Travel notification.
3. Select Add trip, or if there's a previously entered notification you want to modify, select Update tripor Delete trip.
4. Enter your trip details, then select Save.

Additional information

Please be aware transactions in the following countries cannot be approved due to current sanctions:

• Cuba
• Iran
• Syria
• North Korea
• Crimea Region of Ukraine

If you have any questions, please call us. We accept relay calls.

• Consumer credit cards: 800-285-8585
• Business credit cards: 866-485-4545