| Category | Rate | Type | Cap |
|---|---|---|---|
|
Chosen Retailers (Up to 2 Selected Quarterly)
6% cash back on combined eligible purchases at two retailers chosen each quarter from a list of 24 major retailers (including Amazon.com, Walmart, Target, Apple, Best Buy, Home Depot, Lowe's, and others); capped at $1,500 in combined purchases per quarter across both chosen retailers, then 1.5% applies.
Rotating
|
6x | Cash Back | $6,000/yr |
|
Hotels and Car Rentals via U.S. Bank Travel Center
5.5% cash back on prepaid hotel and car rental reservations made directly through the U.S. Bank Rewards Travel Center; bookings must be prepaid and reservation changes may affect cash back earned.
|
5.5x | Cash Back | No cap |
|
Everyday Category (1 Selected Quarterly)
3% cash back on one everyday category chosen each quarter from: wholesale clubs, gas and EV charging stations (excludes discount stores/supercenters and wholesale clubs effective April 14, 2025), or bills and home utilities; capped at $1,500 in purchases per quarter, then 1.5% applies.
Rotating
|
3x | Cash Back | $6,000/yr |
|
All Other Purchases
Unlimited 1.5% cash back on all other eligible net purchases not classified under a bonus category; also applies to spending above the quarterly caps for the 6% and 3% categories.
|
1.5x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
0% Intro APR on Balance Transfers
Eligible balance transfers made within 60 days of account opening receive a 0% introductory APR for the first 15 billing cycles; after the intro period, the standard variable APR applies; a balance transfer fee applies.
|
Financial | 0% APR for 15 billing cycles on qualifying BTs |
|
Annual Fee Waived First Year
The $95 annual fee is waived for the first year; beginning in the second year, the standard $95 annual fee applies.
|
Financial |
$0 first year ($95 thereafter)
Up to $95
|
|
No-Fee ExtendPay Plan for First 60 Days
New cardmembers can open U.S. Bank ExtendPay® Plans on eligible purchases made within the first 60 days from account opening with no monthly ExtendPay fee; after the promotional period, a fixed monthly fee applies.
|
Financial | $0 ExtendPay fee for first 60 days |
|
Auto Rental Collision Damage Waiver
Provides secondary collision and damage coverage for rental vehicles when the rental is charged to the card and the cardholder declines the rental company's own insurance; coverage is secondary to personal auto insurance.
|
Insurance | Complimentary |
|
Cell Phone Protection
When the monthly wireless bill is paid with this card, cardholders receive coverage against cell phone damage or theft; subject to applicable deductible and coverage limits per the Guide to Benefits.
|
Insurance | Complimentary |
|
Extended Warranty Protection
Extends the original manufacturer's warranty by up to one additional year on eligible purchases made with the card; provides repair or replacement for covered items that malfunction after the manufacturer's warranty expires.
|
Insurance | Up to 1 additional year |
|
Purchase Security
Covers eligible new purchases made with the card against damage or theft for a period after purchase; provides repair, replacement, or reimbursement for covered items up to applicable limits per the Visa Signature Guide to Benefits.
|
Insurance | Complimentary |
|
Visa Signature Concierge Service
Cardholders have 24/7 access to a complimentary Visa Signature Concierge who can assist with travel bookings, dining reservations, event tickets, and other personal assistance requests.
|
Lifestyle | Complimentary |
|
Visa Signature Luxury Hotel Collection
Access to the Visa Signature Luxury Hotel Collection, offering benefits at select properties including best available rate guarantee, complimentary in-room Wi-Fi, room upgrades when available, and late checkout; bookings must be made through the Visa concierge or designated portal.
|
Lifestyle | Complimentary |
|
1.5% Cash Back on All Other Purchases
Earn unlimited 1.5% cash back on all eligible net purchases not classified under a bonus category, and on bonus category spending above the quarterly caps.
|
Rewards | 1.5% (unlimited) |
|
3% Cash Back on One Chosen Everyday Category (Quarterly)
Earn 3% cash back on one everyday category chosen each quarter from: wholesale clubs, gas and EV charging stations (excludes discount stores, supercenters, and wholesale clubs), or bills and home utilities; capped at $1,500 in purchases per quarter, then 1.5% applies.
|
Rewards | 3% (up to $1,500/quarter) |
|
5.5% Cash Back on Travel Center Hotel and Car Bookings
Earn 5.5% cash back on prepaid hotel and car rental reservations made directly through the U.S. Bank Rewards Travel Center; purchases must be prepaid and bookings must be made through the portal to qualify.
|
Rewards | 5.5% on Travel Center bookings |
|
6% Cash Back at Two Chosen Retailers (Quarterly)
Earn 6% cash back on combined eligible purchases at two retailers chosen each quarter from a list of 24 major retailers including Amazon.com, Walmart, Target, Apple, Best Buy, Home Depot, Lowe's, and others; capped at $1,500 in combined purchases per quarter across both chosen retailers, then 1.5% applies.
|
Rewards | 6% (up to $1,500/quarter combined) |
|
Real-Time Rewards
Enrolled cardholders receive a text after a qualifying purchase with the option to redeem cash rewards instantly as a statement credit toward that purchase by replying REDEEM; the full purchase amount must be covered by the available rewards balance to qualify.
|
Rewards | Complimentary |
|
Welcome Bonus
Earn a $250 cash bonus after spending $2,000 in eligible purchases within the first 120 days of account opening.
|
Rewards |
$250 cash bonus
Up to $250
|
|
Zero Liability Protection
Cardholders are not held responsible for unauthorized purchases made with their Visa card when reported promptly, subject to Visa's Zero Liability policy terms and conditions.
|
Security |
$0 liability
Up to $0
|
|
Lost Luggage Reimbursement
Provides reimbursement for lost, damaged, or stolen baggage when the common carrier ticket is purchased with the card; coverage is secondary to any carrier-provided reimbursement.
|
Travel | Complimentary |
|
Travel Accident Insurance
Provides accidental death and dismemberment coverage for the cardholder and immediate family members when common carrier travel tickets are purchased with the card.
|
Travel | Complimentary |
