If you’re looking for a credit card with a long 0% intro APR on balance transfers or significant cash back earning opportunities, then you may want to check out two of our brand new credit card reviews: the U.S. Bank Visa Platinum Card and the U.S. Bank Cash+ Visa Signature Card. Wondering what perks and features might make these new credit cards worth having in your wallet? We explain all the details.

U.S. Bank Visa Platinum Card offers a 0% intro APR for 15 billing cycles

U.S. BankPicking a balance transfer credit card can be trickier than you might think, as there are a few factors to consider. U.S. Bank Visa Platinum Card owners can take advantage of over a year of 0% intro APR on both balance transfers and purchases — 15 billing cycles, to be exact — as well as a potentially low ongoing APR once the intro period is up, depending on your creditworthiness. Balance transfers must be made within 60 days of opening your account, and there is a 3% balance transfer fee ($5 minimum). U.S. Bank Visa Platinum Card holders will also enjoy no annual fee and the flexibility of choosing their own payment due date with this card.

It’s worth pointing out that although this card offers a long intro APR, it might not be the best choice for a balance transfer card, as several other credit cards we review have longer intro offers or better terms. Chase Slate, for example, offers a 15-month 0% intro APR on purchases and balance transfers and no balance transfer fee on transfers made within the first 60 days of account opening (after that, it’s 5%). If you’re looking for a longer 0% intro APR, the Citi Simplicity Card – No Late Fees Ever (a NextAdvisor advertiser) offers a jaw-dropping 21-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee), and Discover it – 18 Month Balance Transfer Offer lets you earn cash back while enjoying an 18-month 0% intro APR on balance transfers (with a 3% balance transfer fee) and a 6-month 0% intro APR on purchases. What’s more, these cards are available to those with good credit or better (or average to excellent, in the case of Discover it), while the U.S. Bank Visa Platinum Card requires excellent credit.

U.S. Bank Cash+ Visa Signature Card is a real money maker

U.S. BankNot all cash back rewards credit cards are created equal, and it can sometimes be frustrating to decide which card to get because you want one that rewards you generously for the money you spend. The U.S. Bank Cash+ Visa Signature Card enters the cash back arena with a different twist to offer cardholders: you can earn 5% cash back in two spending categories of your choice (up to $2,000 spent on combined purchases each quarter, then it’s 1% back), 2% cash back in your choice of one “everyday” category — groceries, gas or restaurants — and 1% cash back on everything else. Spending category options for 5% cash back include bookstores, ground transportation, movie theaters, cell phones, gyms/fitness centers, select clothing stores and more. The ability to design your cash back rewards credit card to fit your lifestyle is something completely different from other cards out there right now.

In addition to hefty cash back rewards, this card also features a bonus opportunity for new card members: spend $500 within your first 90 days, and you’ll get $100 back. You will also get a 0% intro APR for 12 billing cycles on balance transfers made within the first 60 days of account ownership (each transfer will be subject to a balance transfer fee equal to 3% or $5, whichever is greater), so if you’re thinking about switching cash back cards but currently carry a balance, you can do so without incurring new interest while you pay the balance down. Your cash back rewards can be redeemed as a statement credit, rewards card or a deposit into a U.S. Bank savings, checking or money market account, and you won’t pay an annual fee.

Similar to U.S. Bank Visa Platinum Card, this credit card requires excellent credit to be approved. If that’s a deterrent, you might consider either the Blue Cash Everyday Card from American Express or Discover it – Cashback Match, which are designed for people with good credit or better and average credit or better, respectively.

Read our reviews of the best credit cards to see how these two U.S. Bank credit cards compare to others on the market.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.