US Bank Split

U.S. Bank stopped accepting new applications for the Split at the end of September 2026, so this take is mainly for people who already carry it. The card's one real feature is its 3-month interest-free payment plans, which apply automatically with no interest or fees to any purchase of $100 or more. That works like a built-in buy now, pay later option, useful for spreading out a mid-sized expense over a few months without paying extra. The tradeoff is that there are no rewards on everyday spending at all, and the card charges a foreign transaction fee. If you have one, it is worth keeping for the occasional larger purchase you want to split, but it will not earn its spot on day-to-day spending.