US Bank Split

U.S. Bank stopped accepting new applications for the Split as of late September 2026, so this card is only relevant if you already have it. Its whole pitch was built around one feature: purchases of $100 or more can be paid off over 3 months with no interest or fees. That structure works well for spreading out a larger purchase without paying anything extra, as long as you stick to the three month schedule. The tradeoff is that the card earns no rewards at all, and it charges foreign transaction fees, so there is little reason to use it for everyday spending or travel. If you hold one, treat it as a no annual fee tool for occasional big purchases rather than a primary card.