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How To Do a U.S. Bank Balance Transfer

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U.S. Bank provides several ways to request a balance transfer, including online or through its mobile app.

U.S Bank carries several credit cards that come with balance transfer promotions. There’s usually a fee to transfer over a balance, but transferring existing debt could save you significant money, depending on your situation.

Keep reading to learn how to request a balance transfer through U.S. Bank, the steps you need to take to transfer a balance to a new or existing U.S. Bank card, and which U.S. Bank cards carry balance transfer offers.

Key takeaways

U.S. Bank balance transfer cards have a balance transfer fee of 3% of the transfer amount or $5 minimum, whichever is greater.
U.S. Bank doesn’t guarantee that your balance transfer request will be approved.
You cannot transfer debt from one U.S. Bank account to another U.S. Bank credit card.
Introductory 0% APR offers for new cardholders are only available for balance transfers made within 60 days of account opening.
Your card’s credit limit limits balance transfers. You can’t request balance transfers beyond your limit.

How to transfer a balance to a new U.S. Bank credit card

Compare balance transfer offers currently available from U.S. Bank to find the best one for your needs. Then, apply for the card online. You’ll need to provide personal information, including your name, home address, date of birth, total gross income and more.

You can choose whether you want to request a balance transfer during the application process. When you click the “Yes” box, you’ll be prompted to enter the total amount of the balance you want to transfer.

Later in the application process, you will provide more detailed information for your balance transfer request, including:

The amounts you want to transfer from each account
The account numbers of the cards you want to transfer balances from
The name(s) of the card issuer(s) from which you want to transfer

U.S. Bank allows you to enter up to five accounts you want to transfer balances from to your new card. The minimum transfer amount for each account is $100.

There’s no guarantee that U.S. Bank will approve your request. It’s possible to get approved for a new card but have a balance transfer request denied. The total transfer amount cannot exceed your credit card limit. If approved, U.S. Bank will send payment to each payee you listed on your request. You’ll receive a letter from U.S. Bank confirming your request and the amounts paid to each card issuer.

How do you find 0% balance transfer offers?

You should keep a sharp out for 0% offers, which often appear in emails from your issuer, and can be found online on various websites. Here are your best bets for scoring an offer:

Open a new credit card: Apply for a credit card featuring introductory 0% APR offers for balance transfers. Balance transfer cards offer lengthy 0% APR on balance transfers, often up to 12 or 24 months.
Look for targeted promotions from your issuer: Your card issue may send you target offers for balance transfer and other promotions from time to time. Targeted offers may appear in your email, mail or online account.
Call your issuer: Contact your card issuer’s customer support department to identify available balance transfer options.

How to transfer a balance to an existing U.S. Bank credit card

If you already have a U.S. Bank credit card, you can request a balance transfer online or through the U.S. Bank mobile app.

To make a request online, start by logging in to your online account and then follow these steps:

Select “Accounts” from the main menu and then choose your credit card account.
Choose “Payments and limit” and then click “Request a balance transfer.”
Review the offer details and select the offer to continue the process.
Choose a payee from the dropdown menu or enter one.
Enter payee information, including the payee’s address, your account number and the amount you’d like to transfer.
Click “Add another transfer” if you are transferring multiple balances.
Review the information you’ve provided to ensure it’s correct.
Read through the balance transfer terms and conditions.
Click “Submit” to submit your transfer request.

To request a transfer through the mobile app:

Select your credit card account from the dashboard.
Click “Account options.”
Choose “Manage card” and tap “Transfer a balance.”
Choose a payee from the dropdown menu or enter one.
Enter payee information, including the payee’s address, your account number and the amount you’d like to transfer.
Select “Add another transfer” if you are transferring multiple balances.
Review the information you’ve provided to ensure it’s correct.
Read through the balance transfer terms and conditions.
Tap “Submit” to submit your transfer request.

You can also use the Smart Assistant with U.S. Bank’s mobile app. To use Smart Assistant, tap the blue button on the app’s dashboard and say, “make a balance transfer.” The virtual assistant walks you through the balance transfer process, allowing you to use voice or text to answer questions.

If you don’t see an option to request a balance transfer online or through the app, you can request a transfer over the phone by calling U.S. Bank at 800-285-8585.

How do you know if your card allows balance transfers?

Not all credit cards offer the ability to transfer balances. The easiest way to determine whether it’s an option is to read your card’s terms and conditions.

Your credit card’s terms and conditions provide information on various details, including promotional offers, APR ranges and card fees. If your card allows balance transfers, the offer would be listed towards the top of the terms and conditions.

The terms and conditions list introductory APR offers, including the offer length, balance transfer fee and the ongoing APR after the offer period ends.

How to use a balance transfer check with U.S. Bank

U.S. Bank customers can also request balance transfer checks to pay off eligible existing debt balances. Balance transfer checks are paper checks obtained from your card issuer. Instead of being tied to a checking account like a personal check, balance transfer checks pull from your credit card’s line of credit.

U.S. Bank may issue balance transfer checks upon request. The card issuer may offer them as part of an intro APR promotion, which would still give you access to 0% introductory APR. If there’s no promotion, balance transfer checks are treated as cash advances at the card’s cash advance rate.

What types of debt can you transfer with U.S. Bank?

Balance transfers allow you to pay off different types of debt. U.S. Bank accepts balance transfers for:

Credit cards
If you have existing credit card balances or cards with higher APR rates, you can transfer the balance to your U.S. Bank card.

Consolidate debt
U.S. Bank balance transfers are also a good option if you have multiple credit card or loan payments that you want to consolidate into one account with one monthly bill.

Loans
U.S. Bank also allows balance transfers of eligible loan products, including student loans, auto loans, and personal loans.

You cannot transfer the balance of an existing U.S. bank card or loan balance to another U.S. Bank card.

How long does a balance transfer take with U.S. Bank?

Balance transfers through U.S. Bank can take up to 14 days to complete. That includes the time it takes to process and approve the transfer request, send payments to designated payees and deposit the transfer total to your credit card’s balance. You can check the status of your request by calling the number on the back of your U.S. Bank credit card or at 800-285-8585.

What is the balance transfer fee for U.S. Bank?

U.S. Bank currently offers three balance transfer cards:, all with the same balance transfer fee: 3% of the transfer amount or $5 minimum, whichever is greater.

Card Balance transfer fee

U.S. Bank Visa^® Platinum Card An introductory fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater, for balances transferred within 60 days of account opening. After that, either 5% of the amount of each transfer or $5 minimum, whichever is greater.

U.S. Bank Cash+^® Visa Signature^® Card Either 3% of the amount of each transfer or $5 minimum, whichever is greater

U.S. Bank Altitude^® Go Visa Signature^® Card Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

Card	Balance transfer fee
U.S. Bank Visa^® Platinum Card	An introductory fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater, for balances transferred within 60 days of account opening. After that, either 5% of the amount of each transfer or $5 minimum, whichever is greater.
U.S. Bank Cash+^® Visa Signature^® Card	Either 3% of the amount of each transfer or $5 minimum, whichever is greater
U.S. Bank Altitude^® Go Visa Signature^® Card	Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

Best U.S. Bank credit card transfer offers

U.S. Bank balance transfer cards come with lengthy intro APR offers and other card benefits. Here’s a look at all the current balance transfer offers available through U.S. Bank.

Long intro APR

U.S. Bank Visa^® Platinum Card*

LendingTree's Review

4.2

U.S. Bank Visa<sup>®</sup> Platinum Card

LendingTree's Review

4.2

Learn More

Intro balance transfer APR: 0% intro apr for 21 billing cycles on balance transfers

Followed by a 18.24% - 29.24% (variable).

Balance Transfer FeeAn introductory fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater, for balances transferred within 60 days of account opening. After that, either 5% of the amount of each transfer or $5 minimum, whichever is greater.

Intro Purchase APR0% intro APR for 21 billing cycles on Purchases

Regular Purchase APR18.24% - 29.24% (Variable)

Recommended Credit

660-850

Good / Excellent

Get Your Free Credit Score

Long intro APR on purchases and balance transfers
Customizable payment due date
$0 annual fee

No rewards program
No sign-up bonus
Balance transfer fee

The U.S. Bank Visa^® Platinum Card provides one of the longest introductory APR offers. Eligible cardholders can access an intro APR of 0% intro apr for 21 billing cycles on purchases on purchases and a 0% intro APR for 0% intro apr for 21 billing cycles on balance transfers (followed by a 18.24% - 29.24% (variable) APR).

Who’s this card best for?
Individuals with large upcoming purchases or existing credit card balances want to transfer and pay over an extended time without interest charges.

0% Intro APR on purchases and balance transfers for 21 billing cycles. After that, a variable APR currently 18.74% - 29.74%.
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
Choose a payment due date that fits your schedule
No Annual Fee
Terms and conditions apply.

*The information related to the U.S. Bank Visa^® Platinum Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Cash back

U.S. Bank Cash+^® Visa Signature^® Card*

LendingTree's Review

4.2

U.S. Bank Cash+<sup>®</sup> Visa Signature<sup>®</sup> Card

LendingTree's Review

4.2

Learn More

Intro balance transfer APR: 0% intro apr on balance transfers for the first 15 billing cycles

Followed by a 19.49% - 29.74% (variable).

Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater

Intro Purchase APR0% intro APR on purchases for the first 15 billing cycles

Regular Purchase APR19.49% - 29.74% (Variable)

Recommended Credit

660-850

Good / Excellent

Get Your Free Credit Score

$0 annual fee
Customizable cash back
Long intro APR

5% cash back rate has spending limit
Foreign transaction fee

The U.S. Bank Cash+^® Visa Signature^® Card offers an intro APR of 0% intro apr on purchases for the first 15 billing cycles and 0% intro apr on balance transfers for the first 15 billing cycles (followed by a 19.49% - 29.74% (variable) APR). The card also earns great cash back rates in popular categories and comes with a modest welcome bonus offer with a low minimum spend requirement.

Who’s this card best for?
Individuals who want to earn cash back in popular spending categories like fast food, internet, cellphone, streaming services, home utilities, restaurants, groceries, and fuel. The card offers 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose. 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. 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.

Earn a $200 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening.
5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.
5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center.
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.
0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.49% - 29.74%
No Annual Fee.
Terms and conditions apply.

*The information related to the U.S. Bank Cash+^® Visa Signature^® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Travel rewards

U.S. Bank Altitude^® Go Visa Signature^® Card*

LendingTree's Review

3.9

U.S. Bank Altitude<sup>®</sup> Go Visa Signature<sup>®</sup> Card

LendingTree's Review

3.9

Learn More

Intro balance transfer APR: 0% for 12 billing cycles on balance transfers

Followed by a 17.74% to 28.74% (variable).

$0 annual fee
No foreign transaction fees
High rewards rate on dining
$15 annual streaming credit

Can only redeem points for statement credits
Balance transfer fee

The U.S. Bank Altitude^® Go Visa Signature^® Card provides flexibility, with versatile travel rewards that can be redeemed multiple ways. It also offers an intro APR of 0% for 12 billing cycles on purchases and 0% for 12 billing cycles on balance transfers (then a 17.74% to 28.74% (variable) APR applies).

Who’s this card best for?
Individuals who want to earn rewards redeemable for travel, cash back, shopping and more. Cardholders Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.

Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
4X points on dining, takeout, and restaurant delivery.
2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
1X point on all other eligible purchases.
0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 17.74% to 28.74%.
No Annual Fee
Points never expire
Every Altitude® Go Visa Card is made with recycled plastic, helping to reduce the amount of plastic waste in the environment.
Terms and conditions apply.

*The information related to the U.S. Bank Altitude^® Go Visa Signature^® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Frequently asked questions

You cannot use the balance transfer offer on one U.S. Bank credit card to pay down other U.S. Bank accounts.

U.S. Bank offers a variety of balance transfer credit cards to suit a variety of needs. U.S.Bank cards with balance transfer offers include U.S. Bank Visa^® Platinum Card, U.S. Bank Cash+^® Visa Signature^® Card and U.S. Bank Altitude^® Go Visa Signature^® Card

Balance transfer fees vary between credit cards. The balance transfer fee on current U.S. Bank card offers is 3% of the transfer amount or $5 minimum, whichever is greater.

Balance transfers do not count as eligible credit card purchases to earn rewards.

The information related to the U.S. Bank Visa^® Platinum Card, U.S. Bank Cash+^® Visa Signature^® Card and U.S. Bank Altitude^® Go Visa Signature^® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

Kevin Payne

Kevin Payne is a personal finance and travel writer. His work has appeared on websites like Forbes Advisor, Investopedia, Credit Karma and FinanceBuzz. He is the family travel and budget expert behind FamilyMoneyAdventure.com. Kevin lives in Cleveland, Ohio, with his wife and four kids.

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How To Do a U.S. Bank Balance Transfer

How to transfer a balance to a new U.S. Bank credit card

How do you find 0% balance transfer offers?

How to transfer a balance to an existing U.S. Bank credit card

How do you know if your card allows balance transfers?

How to use a balance transfer check with U.S. Bank

What types of debt can you transfer with U.S. Bank?

How long does a balance transfer take with U.S. Bank?

What is the balance transfer fee for U.S. Bank?

Best U.S. Bank credit card transfer offers

Long intro APR

U.S. Bank Visa® Platinum Card*

Cash back

U.S. Bank Cash+® Visa Signature® Card*

Travel rewards

U.S. Bank Altitude® Go Visa Signature® Card*

Frequently asked questions

Can I balance transfer between U.S. Bank cards?

Does U.S. Bank have a balance transfer credit card?

What is the balance transfer fee for U.S. Bank?

Can you earn points on a U.S. Bank balance transfer?

Kevin Payne

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U.S. Bank Visa^® Platinum Card*

U.S. Bank Cash+^® Visa Signature^® Card*

U.S. Bank Altitude^® Go Visa Signature^® Card*