Updated September 29, 2026 · SumCue Editorial Team
RinggitPlus Credit Card vs U.S. Bank
RinggitPlus Credit Card
U.S. Bank
Higher score in this comparison
RinggitPlus Credit Card vs U.S. Bank: the differences
| Compare | RinggitPlus Credit CardReviewVisitVisit | U.S. BankReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | MYR 195 | $0 |
| APR | 15% | 0%Lower |
| Rewards rate | up to 10% | Unlimited 2% cash back on every purchase, plus up to an additional 2% on the first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly Savings account and qualifying checking balances (total 2.5% / 3% / 4% by qualifying balance) |
| Balance transfer intro period | 6 months | 12 monthsHigher |
| Balance transfer fee | 0%Lower | 5% |
| Credit needed | Not confirmed | Good |
| Perks | Not confirmed | Cash back deals from brands via the U.S. Bank Mobile App or online banking, Flexible cash back redemption: direct deposit, statement credit, rewards card, merchant gift cards, U.S. Bank ExtendPay Plan with a $0 fee offer for new cardmembers on plans opened in the first 60 days, Contactless chip payment on all U.S. Bank credit cards |
| Cashback rate | Not confirmed | 2% |
Same on both: Rewards type (Cashback), Card kind (Credit).
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Key differences
- U.S. Bank scores higher overall: 9.4 vs 8.8.
- Founded is lower at U.S. Bank: 1863 vs 2013.
- APR is lower at U.S. Bank: 0% vs 15%.
- Balance transfer fee is lower at RinggitPlus Credit Card: 0% vs 5%.
- Balance transfer intro period is higher at U.S. Bank: 12 months vs 6 months.
- Support channels: only RinggitPlus Credit Card offers Email, Chat.
- Support channels: only U.S. Bank offers Phone, Help centre.
- Features: only U.S. Bank offers Secured.
Our verdict on each
RinggitPlus Credit Card
RinggitPlus Credit Card suits shoppers who want cashback on everyday spend plus a short balance transfer window. It charges an annual fee of MYR 195 with APR of 15% and cashback of up to 10% through rewards support of rewards for regular use.
U.S. Bank
U.S. Bank suits people who want a large US bank behind a rewards card that ranks 1 of 312 brands for annual fee. The same group also runs personal loans, savings and mortgages, so you can keep your money with one name across each product.
Score breakdown
| Area | RinggitPlus Credit Card | U.S. Bank |
|---|---|---|
| Cost | 9.2Annual fee of MYR 195 with transfer fee of 0% shapes overall cost. | 9.2Personal loans carry an origination fee of 0 USD (no origination fees) and the checking account a monthly fee of $0. |
| Offer | 8.7Cashback of up to 10% in cashback form via rewards defines appeal. | 8.9HigherThe card pays 2% cash back on every purchase, with more when paired with a Smartly Savings account. |
| Trust | 8.4Linked to Jirnexu Sdn Bhd with help via email and chat for queries. | 9.9Higher |
Positions in our rankings
| Ranking | RinggitPlus Credit Card | U.S. Bank |
|---|---|---|
| Credit and debit cards | 48 of 1594 | 202 of 1594 |
| Balance transfer cards | 1 of 32 | 6 of 32 |
Moving a 3,000 balance
RinggitPlus Credit Card
0
0% of 3,000
U.S. Bank
150
5% of 3,000
RinggitPlus Credit Card comes out 150 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 29, 2026.
Every fact side by side
| Fact | RinggitPlus Credit Card | U.S. Bank |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Rewards, SecuredCovers more |
| Audience | Not confirmed | Business, Student, Kids |
| Legal entity | Jirnexu Sdn Bhd | U.S. Bank National Association |
| Headquarters | Malaysia | United States |
| Founded | 2013 | 1863Lower |
| Support channels | Email, Chat | Phone, Help centre |
Loans
| Fact | RinggitPlus Credit Card | U.S. Bank |
|---|---|---|
| Loan amount | Not confirmed | $1,000 to $50,000 |
| Term | Not confirmed | 12 to 84 months |
| Arrangement fee | Not confirmed | 0 USD (no origination fees) |
| Credit check | Not confirmed | Hard |
| Funding time | Not confirmed | 1 to 4 business days after loan closing, same day if eligible |
| Representative example | Not confirmed | Loan payment example: Monthly payments for a $10,000 loan at 12.60% APR with a term of 36 months would be $335.02. |
| Rate type | Not confirmed | Variable |
| Lender type | Not confirmed | Direct lender |
| Free early repayment | Not confirmed | Yes |
| Eligibility | Not confirmed | Credit approval and program guidelines; needs SSN, US home address and employment information; not all programs available in all states |
| Origination fee (%) | Not confirmed | 0% |
| Loan types | Not confirmed | Personal, Debt consolidation, Credit line, Car |
| Use cases | Not confirmed | Home improvement |
Savings
| Fact | RinggitPlus Credit Card | U.S. Bank |
|---|---|---|
| Headline rate | Not confirmed | 3.5% |
| Minimum deposit | Not confirmed | $25 |
| Deposit protection | Not confirmed | FDIC up to USD 250,000 |
| Access terms | Not confirmed | Easy access to funds: withdraw or transfer at thousands of U.S. Bank branches and ATMs; open with $25, no fixed term |
| Monthly fee | Not confirmed | $0 |
| Account kind | Not confirmed | Easy access |
Debit cards
| Fact | RinggitPlus Credit Card | U.S. Bank |
|---|---|---|
| Card type | Not confirmed | Debit |
| Card network | Not confirmed | Visa |
Mortgages
| Fact | RinggitPlus Credit Card | U.S. Bank |
|---|---|---|
| Initial rate | Not confirmed | 6.625% |
| APRC | Not confirmed | 6.794% |
| Fixed period | Not confirmed | 30 years |
| Maximum loan to value | Not confirmed | 75% |
| Purpose | Not confirmed | Purchase, Remortgage, First time buyer, Home equity |
Where each stands against the rest
| Fact | RinggitPlus Credit Card | U.S. Bank | Median |
|---|---|---|---|
| APR | 15%above the median | 0%lowest quarter | 11.635% |
| Balance transfer intro period | 6 monthslowest quarter | 12 monthsat the median | 12 months |
| Balance transfer fee | 0%lowest quarter | 5%highest quarter | 3% |
| Cashback rate | Not confirmed | 2%above the median | 1.5% |
Median across 486 listed providers.
Pros and cons
RinggitPlus Credit Card
Pros
- Cashback of up to 10% with cashback focus for everyday spend
- Balance transfer fee of 0% with cover for 6
- Support access through email and chat for written queries
Cons
- Annual fee of MYR 195 applies even when spend remains modest
- APR of 15% adds borrowing cost when balances carry over
- Support runs on email and chat only for account queries
U.S. Bank
Pros
- Rewards are cashback, with flexible redemption from direct deposit to statement credit and gift cards.
- Savings deposits carry FDIC up to USD 250,000 of cover from an FDIC insured bank.
- Personal loans allow free early repayment, with borrowing of $1,000 to $50,000 over terms of 12 to 84.
Cons
- Support runs on phone and help centre only.
- Savings pay 3.5% at a variable rate, so the return can fall as well as rise.
- Loans expect good credit and a hard credit check, so approval is not automatic.
Who each suits
RinggitPlus Credit Card
Who it suits
- Shoppers seeking cashback rewards for routine retail spend
- Planners seeking a short transfer window with low upfront cost
Who should look elsewhere
- Fee sensitive users who prefer eToro because annual charges differ
- Fee sensitive users who prefer Bitpanda because annual charges differ
U.S. Bank
Who it suits
- People already banking with U.S. Bank who want cash back on everyday spend from a card that pairs with a savings account.
- Borrowers with good credit who want to clear a personal loan early at no cost.
- Savers who want easy access at branches and ATMs, a variable rate and insured deposits.
Who should look elsewhere
- Starling Personal Account Debit Card, if you want a UK account and a card at £0 rather than a US bank that also lends.
- bunq, if a euro plan at €0 suits your spending better than a US dollar bank.
- Wise, if you want a card with an annual fee of £0 and no lending, savings or mortgage side.
Current offers
RinggitPlus Credit Card
Current offer
Bonus
UOB Credit Cards Promotion: Apple iPad Pro M5 + RM188 TNG
Apply, approved by 18 Nov 2026, activate and spend RM200 in 60 days for UOB ONE Card
Source, checked September 29, 2026
U.S. Bank
Current offer
Bonus
U.S. Bank Cash+ Visa Signature Card one-time cash back bonus (increased from $150 to $200): $200
Approved for a new Cash+ Visa Signature Card and $1,000 or more in eligible Net Purchases within 90 days of account opening; not combinable with other bonus offers; subject to credit approval.
Source, checked September 26, 2026
Bonus
U.S. Bank Altitude Connect Visa Signature Card welcome bonus: 20,000 points
Approved for a new Altitude Connect Visa Signature Card and $1,000 or more in total eligible Net Purchases within 90 days of account opening; previous cardmembers who received a bonus for this product in the last five years are not eligible.
Source, checked September 26, 2026
Bonus
U.S. Bank Altitude Go Visa Signature Card welcome bonus: 20,000 points
Approved for a new Altitude Go Visa Signature Card and $1,000 or more in total eligible Net Purchases within 90 days of account opening; previous cardmembers who received a bonus for this product in the last five years are not eligible.
Source, checked September 26, 2026
Country by country
| Country | RinggitPlus Credit Card | U.S. Bank |
|---|---|---|
| Malaysia | Yes | No |
| United States | No | Yes |
Questions about each
RinggitPlus Credit Card
What annual fee applies to this card+
The card carries an annual fee of MYR 195 for continued membership regardless of usage level. Budget for this charge alongside interest if balances revolve. Paying in full each cycle keeps total cost focused on the annual fee rather than added interest.
How does the purchase interest rate work+
Purchases that revolve accrue interest at APR of 15% under standard terms. Clearing the balance in full each cycle avoids that interest charge. Keeping balances low helps manage total borrowing cost over time.
U.S. Bank
What does the U.S. Bank Smartly credit card cost to hold?+
The Bank Smartly Visa Signature card charges an annual fee of $0, and it is sold as no annual fee. The purchase APR is listed as 0%, so check how long any promotional period runs before relying on it. Support runs on phone and help centre.
How much cash back do I earn, and how do I use it?+
Every purchase earns 2% in cash back, and pairing the card with a U.S. Bank Smartly Savings account and qualifying checking balances adds more on the first eligible purchases each cycle. Rewards are cashback, and redemption is flexible across direct deposit, statement credit, a rewards card and merchant gift cards.
Other options to compare
Other matchups
RinggitPlus Credit Card
U.S. Bank