U.S. Bank Split™ World Mastercard® review: fees, rewards, APR and perks - DebitCue Skip to content
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U.S. Bank Credit card
U.S. Bank Split™ World Mastercard®
No rewards
MASTERCARD
Apply for U.S. Bank Split™ World Mastercard®

On U.S. Bank's secure site

Compare similar cards
Credit card U.S. Bank Mastercard

Card review

U.S. Bank Split™ World Mastercard®

4.5 4.5 out of 5 9.0/10 DebitCue Score Verified

Every purchase automatically becomes a 3-month payment plan

Fee
No fee
Purchase APR
Not published
Interest-free
-
Foreign fee
3%
Rewards
No rewards program. All purchases are automatically split into installment plans — no interest charges on any plan.
Welcome offer
No welcome bonus

Our verdict

What stands out, and where it falls short.

What we like

  • Welcome bonus
  • No card fee
  • Travel insurance included
  • Pay in installments

Worth weighing

  • 3% foreign transaction fee

Who It Is For

Whether the U.S. Bank Split™ World Mastercard® fits how you actually spend.

Pick it if you are

  • Anyone who wants a low-cost everyday card
  • Frequent travelers
  • People who want rewards on their spending
  • People who pay big purchases off over time

Skip it if you are

  • Frequent international travelers

Rates and fees

As of

All amounts shown in USD.

Card fee
No fee
Purchase APR
Not published
Interest-free period
-
Foreign transaction fee
3%
Interest
0% interest — no APR; all purchases split into installment plans
Plan fee (6 or 12-month)
1.5% fixed monthly fee of original plan amount
Foreign Transaction Fee
3%

Rewards and features

Rewards
No rewards program. All purchases are automatically split into installment plans — no interest charges on any plan.
Welcome offer
No welcome bonus
Installments
All purchases automatically split into 3 equal monthly payments with no interest and no plan fee. Purchases of $100+ can be extended to 6 or 12 months for a fixed monthly plan fee of 1.5% of the original plan amount. Small purchases under $100 combined into a 3-month plan that cannot be extended.
Pay with
Apple Pay, Google Pay, Contactless, Virtual card
No revolving credit
Card has no revolving balance feature; all purchases must be repaid through installment plans
Launch date
Launched November 5, 2025

Benefits and perks

Extras that come bundled with the card.

  • Zero fraud liability
    24/7 fraud monitoring and zero fraud liability on unauthorized transactions
  • Credit bureau reporting
    On-time payment history reported to major credit bureaus to help build credit
  • Mastercard World travel benefits
    Built-in travel, entertainment, shopping, and protection benefits via Mastercard World

U.S. Bank Split™ World Mastercard®: your questions answered

Does the U.S. Bank Split™ World Mastercard® have a card fee?
No - the U.S. Bank Split™ World Mastercard® has no card fee.
What rewards does the U.S. Bank Split™ World Mastercard® earn?
The U.S. Bank Split™ World Mastercard® earns No rewards program. All purchases are automatically split into installment plans — no interest charges on any plan..
Does the U.S. Bank Split™ World Mastercard® charge foreign transaction fees?
Yes - the U.S. Bank Split™ World Mastercard® charges a 3% foreign transaction fee.
Does the U.S. Bank Split™ World Mastercard® have a welcome offer?
Yes - No welcome bonus.
Can I pay in installments with the U.S. Bank Split™ World Mastercard®?
Yes - All purchases automatically split into 3 equal monthly payments with no interest and no plan fee. Purchases of $100+ can be extended to 6 or 12 months for a fixed monthly plan fee of 1.5% of the original plan amount. Small purchases under $100 combined into a 3-month plan that cannot be extended..
Is the U.S. Bank Split™ World Mastercard® a credit, debit or prepaid card?
The U.S. Bank Split™ World Mastercard® is a credit card issued by U.S. Bank on the Mastercard network.
Does the U.S. Bank Split™ World Mastercard® support Apple Pay and Google Pay?
Yes - the U.S. Bank Split™ World Mastercard® works with both Apple Pay and Google Pay.
Where can I get the U.S. Bank Split™ World Mastercard®?
The U.S. Bank Split™ World Mastercard® is currently offered in United States.
How does DebitCue rate the U.S. Bank Split™ World Mastercard®?
DebitCue rates the U.S. Bank Split™ World Mastercard® 4.5 out of 5 (9.0/10), scored on the same factors as every card - fees, rewards, perks and ease of use.
How do I apply for the U.S. Bank Split™ World Mastercard®?
Use the Apply now button to continue on U.S. Bank's secure site. Comparing and applying through DebitCue is free.

Before you decide

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