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U.S. Bank Takes Its Introductory Credit Card Interest Rate to an All Time Low -- Zero Percent

MINNEAPOLIS, Jan 10, 2003 (BUSINESS WIRE) -- U.S. Bank is ringing in 2003 by dropping the introductory interest rate on new U.S. Bank credit cards to an all time low zero percent for the first six months.

The offer is an effort to encourage consumers and businesses to become new U.S. Bank customers and enjoy the lowest rate ever offered on balance transfers and new purchases on consumer accounts and new purchases for businesses.

The zero percent introductory rate is available now through February 28, 2003 to customers opening a new U.S. Bank Platinum, Platinum Travel, Classic, Business, Business Travel, Private Client Group Platinum and Platinum Travel and Cash Rewards Visa(R) Credit Cards.

The U.S. Bank Cash Rewards Visa, introduced in November, gives users up to one percent cash back on purchases made with the card, similar to the U.S. Bank Checking That Pays program that offers a cash reward for using the U.S. Bank Visa Check Card instead of cash or checks.

Individuals can apply on the Internet at usbank.com or by visiting a U.S. Bank branch.

U.S. Bancorp (NYSE:USB), with assets in excess of $174 billion, is the 8th largest financial services holding company in the United States. The company operates 2,133 banking offices and 4,680 ATMs, and provides a comprehensive line of banking, brokerage, insurance, investment, mortgage, trust and payment services products to consumers, businesses and institutions. U.S. Bancorp is home of the Five Star Service Guarantee which assures customers of certain key banking benefits and services or customers will be paid for their inconvenience. U.S. Bancorp is the parent company of U.S. Bank. Visit U.S. Bancorp on the web at usbank.com.

CONTACT:          U.S. Bank 
                  Media Relations
                  Teri Charest, 612/303-0732

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"Safe Harbor" Statement under the Private Securities Litigation Reform Act of 1995: Statements in this press release regarding U.S. Bancorp's business which are not historical facts are "forward-looking statements" that involve risks and uncertainties. For a discussion of such risks and uncertainties, which could cause actual results to differ from those contained in the forward-looking statements, see "Risk Factors" in the Company's Annual Report or Form 10-K for the most recently ended fiscal year.

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