U.S. BANK SPLIT™ WORLD MASTERCARD®

Pay later – on every purchase.

Get a decision in as little as 60 seconds.

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No interest.

No annual fee.

Only applies for 3-month Plans

No fees, no interest on all purchases for a 3-month payment Plan.


All purchases are automatically divided into 3 payments and placed into a payment Plan to be paid back over 3 months, with no Plan Fee.1,2

Choose a 6- or 12-month Plan in three easy steps.

You can extend payment Plans to 6 or 12 months with equal monthly payments and no interest, for just a small, fixed monthly Plan Fee.1,2

Extend a payment Plan in three easy steps.

  1. Start by making a purchase of $100 or more using your U.S. Bank Split Card.
  2. Prior to the end of the billing cycle in which the purchase was made, visit the credit card dashboard by logging into online banking or the U.S. Bank Mobile App.
  3. Choose the Plan and extend the repayment period to 6 or 12 months, for just a small, fixed monthly Plan Fee.1,2

Pay at your pace.

Learn how the Split Card works.

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Easily manage all Plans in one place.

Manage your Plans anytime.

Use the U.S. Bank Mobile App or online banking 24/7 to view and manage all of your Plans, make a payment, or extend the repayment period for purchases of $100 or more.

Plan Notifications

Download the U.S. Bank Mobile App to receive notifications directly on your phone when you have Plans that are eligible to be extended.

Flexibility

Choose the repayment period that works for you with 6- and12-month payment Plan options available in the U.S. Bank Mobile App or online banking.

See if I am pre-approved

Frequently asked questions

In general, our credit card products are for customers with a credit score in the good to excellent range. We also offer several secured credit card products which are designed for people looking to build or rebuild their credit with responsible use.

Purchases of $100 or more will automatically be divided into 3 payments and placed into a Plan to be paid back over 3 months, with no Plan Fees. The repayment period for these payment Plans can be extended to 6 or 12 months for a small monthly Plan Fee.1,2

Purchases of less than $100 are combined into one Small Purchase Plan at the end of the billing cycle and automatically split into 3 payments to be paid back over 3 months, with no Plan Fees. The repayment period for these Small Purchase Plans can not be extended.

Purchases of $100 or more will automatically be divided into 3 payments and placed into a Plan to be paid back over 3 months, with no Plan Fees. Prior to the end of the billing cycle in which a Plan has been set up, you may log into online banking (usbank.com) or the U.S. Bank Mobile App, to extend the repayment period to 6 or 12 months for a small monthly Plan Fee.1,2 

The duration of the Small Purchase Plans may not be extended.

While you're not able to cancel or shorten a payment Plan, the repayment period for purchases of $100 or more can be extended to 6 or 12 months before the end of the billing cycle in which the Plan was set up, for a small monthly Plan Fee.1,2 

Yes. Each month, you must pay your Minimum Payment due in full by the Payment Due Date shown on your monthly Account statement. After you pay your Minimum Payment due, you can pay off specific Plans in full in online banking (usbank.com) or the U.S. Bank Mobile App.

Your monthly Minimum Payment due includes your monthly Plan payments (which includes any monthly Plan Fees that may apply), plus any Late Fees, Returned Payment Fees and Foreign Transaction Fees that may apply, and any missed Minimum Payment(s).

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Disclosures

U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

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The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The card is available to United States residents only.