US Bank Split

U.S. Bank stopped accepting new applications for the Split as of late September 2026, so this card is now only relevant if you already have one in your wallet. Its whole pitch is built-in installment financing: purchases of $100 or more can go on 3-month payment plans with no interest or fees, and there is no annual fee. That is genuinely handy for spreading out a larger purchase over a few months without paying for the privilege. The tradeoff is that the card earns no rewards at all, so every dollar you put on it outside those plans earns nothing back. It also charges a foreign transaction fee. If you hold it, treat it as a short-term financing tool and use a rewards card for everything else.