| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
The U.S. Bank Split World Mastercard does not earn any rewards, cash back, points, or miles on purchases; it is a no-rewards, no-APR, no-annual-fee installment payment card.
|
0x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Automatic 3-Month Interest-Free Payment Plan
All purchases are automatically divided into 3 equal monthly payments placed into a payment Plan to be paid back over 3 billing cycles with no interest and no Plan Fee; purchases under $100 are combined into one Small Purchase Plan per billing cycle.
|
Financial | 0% interest, no fees for 3 months |
|
Extended 6- or 12-Month Payment Plan Option
For purchases of $100 or more, cardholders may optionally extend their payment plan to 6 or 12 months with no interest; a fixed monthly Plan Fee applies for extended plans and is disclosed at the time of extension via the U.S. Bank Mobile App or online banking.
|
Financial | 0% interest with fixed monthly Plan Fee |
|
No Annual Fee
The U.S. Bank Split™ World Mastercard® carries no annual fee for the life of the account.
|
Financial |
$0
Up to $0
|
|
No Purchase APR
The card carries no traditional purchase APR; all purchases are automatically structured into equal monthly payment plans with no interest charges, regardless of whether the balance is paid in full each month.
|
Financial | 0% APR |
|
Plan Dashboard in Mobile App
Cardholders can view, manage, and track all active payment Plans through a simple and transparent dashboard in the U.S. Bank Mobile App and online banking; notifications are sent when Plans are eligible to be extended.
|
Financial | 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 Protection
Covers eligible new purchases made with the card against damage or theft for 90 days from the date of purchase; provides repair, replacement, or reimbursement for covered items.
|
Insurance | Up to 90 days |
|
Secondary 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 | Secondary coverage |
|
Mastercard World Concierge Service
Cardholders have 24/7 access to Mastercard's World Concierge service for assistance with travel arrangements, dining reservations, event tickets, gift sourcing, and other personal assistance requests.
|
Lifestyle | Complimentary |
|
Priceless® Experiences Access
Cardholders have access to Mastercard Priceless® Experiences, which provides exclusive access to curated experiences in dining, entertainment, sports, arts, and travel through the Mastercard platform.
|
Lifestyle | Complimentary |
|
Credit Building with Responsible Use
U.S. Bank reports the cardmember's account activity including payment history and credit limit to the major credit bureaus monthly, helping cardholders establish or build their credit history with responsible use.
|
Other | Complimentary |
|
ID Theft Protection
Mastercard World ID Theft Protection provides cardholders with monitoring and resolution assistance for identity theft incidents, including access to a dedicated team to help restore identity and resolve fraudulent activity.
|
Security | Complimentary |
|
Zero Liability Protection
Cardholders are not held responsible for unauthorized purchases made with their card when reported promptly, subject to Mastercard's Zero Liability policy terms and conditions.
|
Security |
$0 liability
Up to $0
|
|
Travel Accident Insurance
Provides accidental death and dismemberment coverage for the cardholder and eligible family members when common carrier travel tickets are purchased with the card.
|
Travel |
Up to $200,000
Up to $200,000
|
