US Bank Split

The Split is built around one feature: any purchase of $100 or more can be paid off over three months with no interest and no fees, on a card with no annual fee. That is a genuinely useful structure if you make occasional larger purchases and want a predictable payoff schedule instead of carrying a revolving balance. What you give up is everything else. The card earns no rewards at all, so there is no cash back or points accruing on anything you buy, and there is a foreign transaction fee on top of that. Carry it as a financing tool for specific purchases, not as a card you reach for by default.