Updated September 28, 2026 · SumCue Editorial Team
SBI Card vs U.S. Bank
SBI Card
U.S. Bank
Higher score in this comparison
What sets them apart
| Compare | SBI CardReviewVisitVisit | U.S. BankReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | ₹499 | $0 |
| APR | 45% | 0%Lower |
| Balance transfer intro period | 2 months | 12 monthsHigher |
| Balance transfer fee | 2%Lower | 5% |
| Credit needed | Excellent | Good |
| Rewards type | Not confirmed | Cashback |
| Rewards rate | Not confirmed | 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) |
| 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: Card kind (Credit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- U.S. Bank scores higher overall: 9.4 vs 8.7.
- Founded is lower at U.S. Bank: 1863 vs 1998.
- APR is lower at U.S. Bank: 0% vs 45%.
- Balance transfer fee is lower at SBI Card: 2% vs 5%.
- Balance transfer intro period is higher at U.S. Bank: 12 months vs 2 months.
- Support channels: only U.S. Bank offers Help centre.
Our verdict on each
SBI Card
SBI Card is a credit card for Indian applicants with excellent credit, and the balance transfer option is the reason to look past its steep borrowing cost. It charges an APR of 45% and an annual fee of INR 499, with help on phone.
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 | SBI Card | U.S. Bank |
|---|---|---|
| Cost | 8.8Annual fee INR 499 and APR 45% push costs up, with a balance transfer fee of 2% the only relief. | 9.2HigherPersonal loans carry an origination fee of 0 USD (no origination fees) and the checking account a monthly fee of $0. |
| Offer | 8.1A 2 month balance transfer window is the whole offer, and phone support adds little. | 8.9HigherThe card pays 2% cash back on every purchase, with more when paired with a Smartly Savings account. |
| Trust | 8.9 | 9.9Higher |
Moving a 3,000 balance
SBI Card
60
2% of 3,000
U.S. Bank
150
5% of 3,000
SBI Card comes out 90 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Availability and regulation
| Country | SBI Card | U.S. Bank |
|---|---|---|
| United States | Not confirmed | FDIC FDIC cert 6548 |
Additional countries for SBI Card: 1. Additional countries for U.S. Bank: 1.
Choosing between them
Pick SBI Card if balance transfer fee matter most.
Pick U.S. Bank if cost, offer, apr, and balance transfer intro period matter most.
How they place
| Ranking | SBI Card | U.S. Bank |
|---|---|---|
| Credit and debit cards | 52 of 1594 | 202 of 1594 |
| Credit cards | 19 of 421 | 73 of 421 |
| Balance transfer cards | 2 of 32 | 6 of 32 |
Every fact side by side
| Fact | SBI Card | U.S. Bank |
|---|---|---|
| Pricing model | Not confirmed | No annual fee |
| Features | Not confirmed | Rewards, Secured |
| Audience | Not confirmed | Business, Student, Kids |
| Legal entity | SBI Cards and Payment Services Limited | U.S. Bank National Association |
| Headquarters | India | United States |
| Founded | 1998 | 1863Lower |
| Support channels | Phone | Phone, Help centreCovers more |
Loans
| Fact | SBI 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 | SBI 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 | SBI Card | U.S. Bank |
|---|---|---|
| Card type | Not confirmed | Debit |
| Card network | Not confirmed | Visa |
Mortgages
| Fact | SBI 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 | SBI Card | U.S. Bank | Median |
|---|---|---|---|
| APR | 45%highest quarter | 0%lowest quarter | 11.635% |
| Balance transfer intro period | 2 monthslowest quarter | 12 monthsat the median | 12 months |
| Balance transfer fee | 2%below the median | 5%highest quarter | 3% |
| Cashback rate | Not confirmed | 2%above the median | 1.5% |
Median across 486 listed providers.
Pros and cons
SBI Card
Pros
- A balance transfer charges 2% and runs for 2 months, the one lower interest route on the card.
- Card type is credit, and the issuer has been issuing cards since 1998.
- Support runs on phone for anyone who wants to talk a balance down with the issuer.
Cons
- An APR of 45% makes any carried balance costly, and the annual fee of INR 499 ranks 223 out of 312.
- Support runs on phone only, so no written or online help route is listed.
- The credit bar is excellent, and only 5.6% of cards in the credit card comparison ask for as much.
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
SBI Card
Who it suits
- Indian applicants with excellent credit who want to shift an existing card balance onto a lower interest option.
- Borrowers who plan to clear the moved balance inside the 2 month low interest window.
- Cardholders who would rather call phone than work through online self service.
Who should look elsewhere
- Wise and bunq, which show annual fees of £0 and €0, suit spending that carries no borrowing cost.
- Varo Believe Secured Credit Card, with an annual fee of $0, suits applicants building a credit record rather than moving a balance.
- bunq, with an annual fee of €0, suits anyone who wants a card without paying for a balance transfer option.
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
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 | SBI Card | U.S. Bank |
|---|---|---|
| India | Yes | No |
| United States | No | Yes |
Questions about each
SBI Card
What does SBI Card charge each year?+
The annual fee is INR 499, on a card that is a credit product rather than a charge card. Interest builds only if a balance is carried, so clearing the statement in full avoids the rate. The balance transfer route adds 2% on top, and that fee is the figure to weigh against the annual cost.
What is the APR on an SBI Card?+
The APR is 45%, which is high against the wider credit card set, where the card ranks 128 out of 138. Paying in full each month means the rate is never charged. Anyone planning to carry a balance should treat 45% as the true cost of this card.
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
SBI Card
U.S. Bank