Featured credit card offers

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U.S. Bank Visa Platinum credit card

U.S. BANK VISA® PLATINUM

Get a low intro APR for 21 billing cycles.

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U.S. Bank Altitude Go credit card

U.S. BANK ALTITUDE® GO

Earn 20,000 bonus points worth $200.4

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U.S. Bank Cash+ credit card

U.S. BANK CASH+®

Earn up to 5% cash back10 on two categories you choose.11

Learn more

Find a credit card that fits your lifestyle.

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New offer on U.S. Bank Shopper Cash Rewards Visa Signature Card.

U.S. Bank Shopper Cash Rewards® Visa Signature® Card

Earn up to 6% cash back plus $250.1,2,3

Rewards

6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose1

3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category

1.5% cash back on all other eligible purchases

APR

$

Annual fee

$0 intro the first year ($95/year thereafter).

U.S. Bank Altitude® Go Visa Signature® Card

Earn 20,000 bonus points worth $200.4

Rewards

4X points on dining, takeout and restaurant delivery5

2X points at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations

1X point on all other eligible purchases

Plus, a $15 credit for annual streaming service purchases such as Netflix and Spotify®.6

APR

0% intro APR7 on purchases and balance transfers8 for the first 12 billing cycles. After that, a variable APR, currently $.

Annual fee

$

U.S. Bank Cash+® Visa Signature® Card

Earn a bonus that has increased from $150 to $200 cash back.9,10

Rewards

Up to 5% cash back10 on two categories you choose11

2% cash back on one everyday category

1% cash back on all other eligible purchases

APR

0% intro APR12 on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR, currently $.

Annual fee

$

New benefits for the U.S. Bank Altitude Connect Visa Signature Card.

U.S. Bank Altitude® Connect Visa Signature® Card

Earn 50,000 bonus points worth $500.13

Rewards

5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center14

4X points on travel, gas stations and EV charging stations

2X points at grocery stores, grocery delivery, dining and streaming services

1X point on all other eligible purchases

Plus, a $30 credit for annual streaming service purchases such as Netflix and Spotify®.15

APR

$

Annual fee

$0 intro for the first year, $/year thereafter

U.S. Bank Visa® Platinum Card

Get a low intro APR for 21 billing cycles.

APR

0% intro APR16 on purchases and balance transfers8 for the first 21 billing cycles. After that, a variable APR, currently $.

Annual fee

$

U.S. Bank Altitude® Reserve Visa Infinite® Card

Earn 50,000 bonus points worth $750 in travel.17

Rewards

5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center18

3X points on travel and mobile wallet purchases

1X point on all other eligible purchases

APR

$

Annual fee

$

Build credit for tomorrow.19

Our credit-building cards let you spend just like you would with a traditional credit card. The main difference is you’ll need to make a refundable security deposit from $300 to $5,000, to set your credit limit. Spend within your limit and pay your bill when it’s due. Over time, this will help build your credit and you may be able to graduate to a traditional card.

Secured card

U.S. Bank Secured Visa® Card

Enjoy no annual fee and credit-building19 benefits.

Credit limit

$300 to $5,000

Annual fee

$

Secured card

U.S. Bank Altitude® Go Secured Visa® Card

Earn up to 4X points while building credit.19

Rewards

4X points on dining, takeout and restaurant delivery20

2X points at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations

1X point on all other eligible purchases

Plus, a $15 credit for annual streaming service purchases such as Netflix and Spotify®.21

Credit limit

$300 to $5,000

Annual fee

$

Secured card

U.S. Bank Cash+® Secured Visa® Card

Build credit19 and earn cash back.10

Rewards

Up to 5% cash back10 on two categories you choose11

2% cash back on one everyday category

1% cash back on all other eligible purchases

Credit limit

$300 to $5,000

Annual fee

$

Small business credit cards

Power your business purchases.

From points to cash back, there’s a credit card with benefits made for your business.

View business credit cards

Card partners

See more cards with rewards.

Learn about the retailers, airlines and other businesses we partner with to offer rewards credit cards.

Explore partner cards

U.S. BANK SMART REWARDS®

Get access to more benefits.

Unlock perks with a U.S. Bank Smartly® Checking account and credit card – like exclusive cash-back deals, checking account monthly maintenance fee waiver, and more.

Learn more

Retrieve your mail offer

Accept your card offer.

Ready to take the next step? Have the confirmation number from your offer invitation handy before you get started.

Retrieve your offer

Frequently asked questions

U.S. Bank card credit score requirements vary by product. In general, our credit card products are for established credit with a credit score in the good to excellent range. The Secured credit card products are built for people looking to build or rebuild their credit with responsible use with fair credit score ranges.

A credit card allows you to borrow money, with the intention you’ll pay back the lender (your bank) later on. While it sounds simple, credit can get complex.

A credit score of 700 or above is considered good. Credit scores range from 300 to 850 – the higher, the better. Learn about the factors that affect your credit score.

There are simple things you can do to build and maintain good credit. Pay your entire balance on time every month, stay below your credit limit and follow these other tips for improving your credit score.

U.S. Bank offers a variety of rewards credit cards, including cash back, travel and points rewards. You can compare and choose the best card that fits your lifestyle.

Yes. All U.S. Bank credit cards offer contactless chip technology that allow for enhanced security and touch-free payments, at the milllions of retail store locations that accept contactless payments.

U.S.Bank offers a variety of low interest rate credit cards, allowing you to choose a credit card that fits your lifestyle. To learn more, use our compare tool on this page.

The Rewards Center Earn Mall is an online, one-stop shopping experience where customers can receive rewards when they purchase products from over 1,000 online stores.

You can access the site by logging into your eligible credit card account with your username and password and navigate to the Rewards Center Earn Mall through the Rewards Center. When you click any online store's listing, you'll be directed to the store website, where you can complete your purchase.

Once enrolled, log in at usbank.com. Click on Earn Mall in the Rewards Center and start shopping. By using the Rewards Center Earn Mall on your U.S. Bank Credit Card, you will be able to earn more rewards by shopping online.

Real Time Rewards is a redemption method offered on several U.S. Bank credit cards that enables you to instantly turn your purchases into rewards. Your mobile device can then be used to immediately redeem points toward a credit card purchase.

Once enrolled, redemption is quick and easy. Make a credit card purchase, and you will receive a text with the option to redeem points toward that purchase. Reply ‘REDEEM’ to complete the redemption.

You must have enough points to cover the entire purchase in order to receive the text message to redeem. Your points will be deducted from your points balance and redeemed in the form of a credit to your monthly billing statement. See Program Rules for additional details.

For cardmembers

Digital payments overview
Cardmember agreements
Cardmember benefits
Start of disclosure content
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.

Account must be open and in good standing to earn and redeem rewards and benefits. Please refer to your Rewards Program Rules for additional information.

Net Purchases are purchases minus credits and returns. Cash back is not earned for Advances (including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Convenience Checks, Balance Transfers, and Fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items.

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A. Inc., or American Express, and the card is available to United States residents only. American Express is a federally registered service mark of American Express.

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

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.

Start of disclosure content

  1. You must enroll each quarter into two retailers and one purchase category of your choice, or all net purchases (purchases minus returns or credits) will earn no more than 1.5% Cash back. Allow up to 3 business days for registration to take effect before you will be eligible to earn 3% Cash Rewards and 6% Cash Rewards. You will earn 6% Cash back on your first $1,500 in combined net purchases at your two chosen 6% retailers. You will earn 3% Cash back on your first $1,500 in net purchases in your chosen 3% category. There are no limits on your 1.5% Cash Rewards earnings. During any calendar quarter in which you spend more than $1,500 combined at your two 6% retailers, you will earn 1.5% Cash Rewards for any additional spend at those retailers during that quarter. During any calendar quarter in which you spend more than $1,500 in your one 3% category, you will earn 1.5% Cash Rewards for any additional spend in that category during that quarter. Transactions qualify for 6% or 3% Cash Rewards based on how merchants classify the transaction. Merchants that accept Visa credit cards are assigned a merchant code, determined by the merchant or its processor. U.S. Bank makes every effort to include all relevant merchant category codes in its listed Retailer and Purchase Categories. As U.S. Bank cannot control how merchants choose to classify transactions, we cannot guarantee a transaction will qualify for 3% and 6% Cash Rewards. Merchant subsidiary purchases and third-party delivery services are not eligible for additional Cash Rewards earning and will earn 1.5% Cash Rewards. Purchases not eligible for additional Cash Rewards earning will earn 1.5% Cash Rewards. U.S. Bank reserves the right to change Retailers and Purchase Categories. In addition to earning 1.5% Cash Rewards for every $1 in eligible Net Purchases, Shopper Cash Rewards Cardmembers will earn an additional 4% Cash Rewards for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations in the Rewards Center using your Shopper Cash Rewards card. Please allow 1-2 statement billing cycles for your bonus Cash Rewards to appear on your credit card statement. Refer to the Rewards Center for full details.

  2. In order to be eligible for the one-time $250 bonus, you will need to spend a minimum of $2,000 in Net Purchases on your new U.S. Bank Shopper Cash Rewards Visa Signature Card within 120 days after Account opening. Cash Rewards are earned on eligible Net Purchases. Net Purchases are purchases minus credits and returns.  Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items; upon approval, see your Cardmember Agreement for details. Please allow 6-8 weeks for your bonus cash rewards to be credited to your Account. The bonus is not available to Cardmembers who currently have, or had, a U.S. Bank Shopper Cash Rewards Visa Signature account. Use of the Card is subject to terms and conditions of the U.S. Bank Shopper Cash Rewards Visa Signature Cardmember Agreement, which is provided at Account opening and may be amended from time to time. This offer may not be combined with any other bonus offer.

  3. Cash Rewards are redeemed in the form of a statement credit or a deposit made to your U.S. Bank Savings, Checking or Money Market Account based on your designation, as a U.S. Bank Rewards Card ($25 minimum redemption on Cash Rewards), or merchant gift card. Cash rewards do not expire as long as the account remains open.

  4. One-time 20,000 bonus Points will be awarded if you are approved for a new U.S. Bank Altitude Go Visa Signature Card and eligible Net Purchases totaling $1,000 or more are made to your Account within 90 days after Account opening. Points are earned on eligible Net Purchases. Net Purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn Points, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Please allow 6-8 weeks for your bonus Points to be credited to your Account. The bonus is not available to Cardmembers who currently have, or had, a U.S. Bank Altitude Go Visa Signature account. Use of the Card is subject to terms and conditions of the U.S. Bank Altitude Go Visa Signature Cardmember Agreement, which is provided at Account opening and may be amended from time to time. This offer may not be combined with any other bonus offer.

  5. Points are earned on eligible Net Purchases. Net Purchases are Purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn Points, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, please refer to the materials received with your new card and the Program Rules in the online Rewards Center by logging in to usbank.com for additional information. Account must be open and in good standing (not past due) on the closing date of the billing cycle in order to earn and redeem Points. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. U.S. Bank Altitude Go Visa Signature Cardmembers will earn 1 Point for every $1 in eligible Net Purchases. In addition, you will earn 3 Points (4 Points total) for every $1 in eligible Net Purchases during each billing cycle for any merchant classified as a restaurant, fast-food restaurant or bar. You will earn 1 Point (2 Points total) for every $1 in eligible Net Purchases during each billing cycle for any merchant classified as a gas station, electric vehicle charging station, grocery store, supermarket or qualifying streaming subscription service. Refer to Program Rules or usbank.com/AltitudeGoBenefits for official list of qualifying streaming services merchants. Purchases at or delivery from discount/retail stores that sell groceries may not qualify for the grocery store or grocery delivery category. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. Refer to the Rewards Center for full details.

  6. An automatic statement credit of $15 per 12-month period will be applied to your U.S. Bank Altitude Go Visa Signature Card Account within 2 statement billing cycles following 11 consecutive calendar months of eligible streaming service purchases, such as Netflix, Hulu, Apple Music, if the Account is in good standing (open and able to use). Purchases qualify based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Refer to Program Rules or usbank.com/AltitudeGoBenefits for official list of qualifying streaming services merchants. We reserve the right to adjust or reverse any portion or all of any streaming services credit for unauthorized purchases or transaction credits.

  7. The 0% introductory APR applies to Purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to Balance Transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary. The current undiscounted variable APR for Purchases and Balance Transfers is $ based on your creditworthiness. The variable APR for Cash Advances is 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. Annual fee: $0. Foreign Transaction fee: $0. U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. U.S. Bank ExtendPay® Fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.

  8. Balance Transfers transactions from other U.S. Bank National Association accounts are not permitted. You may cancel a balance transfer request within 10 days of account opening by calling 800-285-8585.

  9. One-time $200 bonus will be awarded for redemption when you are approved for a new U.S. Bank Cash+® Visa Signature® Card and after eligible net purchases totaling $1,000 or more are made to your account within 120 days from account opening. Net purchases are purchases minus credits and returns. Cash back is not earned for Advances (including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Convenience Checks, Balance Transfers, and Fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance. Existing and previous Cash Rewards accounts do not qualify for this one-time bonus. One-time bonus cash does not apply toward account upgrades. This offer may not be combined with any other bonus offer. Offer is subject to credit approval.

  10. Cash back is redeemed in the form of a statement credit or a deposit made to your U.S. Bank Savings, Checking or Money Market Account based on your designation, or as a U.S. Bank Rewards Card ($25 minimum redemption on cash back). You may not redeem Cash back, and you will immediately lose all of your Cash back, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Cash rewards will expire at the end of the calendar month 36 months after the billing cycle in which they were earned.

  11. Cardmember must enroll each quarter into categories of their choice, or all net purchases will earn no more than 1% cash back. You will earn 5% cash back on your first $2,000 in combined net purchases (purchases minus returns or credits) in your two chosen 5% categories and 2% cash back in your chosen 2% category. Purchases over $2,000 in the 5% categories will earn 1% cash back. There are no limits on your 2% or 1% cash back earnings. Transactions qualify for 5% or 2% cash back based on how merchants classify the transaction. In addition to earning 1% cash back for every $1 in eligible Net Purchases, Cash+ Cardmembers will earn an additional 4% cash back for every $1 in eligible Net Purchases spent on prepaid air, car and hotel reservations in the travel center using your Cash+ Card. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Please allow 1-2 statement billing cycles for your bonus cash back to appear on your credit card statement. Refer to the Rewards Center for full details.

  12. The 0% introductory APR applies to purchases and is valid for the first 15 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 15 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary. The current undiscounted variable APR for Purchases and Balance Transfers is $ based on your creditworthiness. The variable APR for Cash Advances 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. Annual fee: $0. Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable U.S. Bank ExtendPay® balance. U.S. Bank ExtendPay® Fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.

  13. One-time 50,000 bonus Points will be awarded if you are approved for a new U.S. Bank Altitude Connect Visa Signature Card and eligible Net Purchases totaling $2,000 or more are made to your Account within 120 days after Account opening. Points are earned on eligible Net Purchases. Net Purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn Points, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Please allow 6-8 weeks for your bonus Points to be credited to your Account. The bonus is not available to Cardmembers who currently have, or had, a U.S. Bank Altitude Connect Visa Signature account. Use of the Card is subject to terms and conditions of the U.S. Bank Altitude Connect Visa Signature Cardmember Agreement, which is provided at Account opening and may be amended from time to time. This offer may not be combined with any other bonus offer.

  14. Points are earned on eligible Net Purchases. Net Purchases are Purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn Points, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, please refer to the materials received with your new card and the Program Rules in the online Rewards Center by logging in to usbank.com for additional information. Account must be open and in good standing (not past due) on the closing date of the billing cycle in order to earn and redeem Points. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. U.S. Bank Altitude Connect Visa Signature Cardmembers will earn 1 Point for every $1 in Net Purchases. In addition, you will earn 4 Points (5 Points total) for every $1 in Net Purchases spent on prepaid car and hotel reservations purchased in the online Altitude Rewards Center using your U.S. Bank Altitude Connect Card. Prepaid car and hotel reservations in the Rewards Center are not classified as a travel category merchant transaction and are not eligible to receive the additional points for that category. You will earn 3 Points (4 Points total) for every $1 in travel category purchases (such as purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies) and for purchases made with merchants classified as a gas station or electric vehicle charging station. You will earn 1 Point (2 Points total) for every $1 in restaurant, fast-food restaurant, bar, grocery store, supermarket or qualifying streaming subscription service purchases. Refer to Program Rules or usbank.com/AltitudeConnectBenefits for official list of qualifying streaming services merchants. Purchases at or delivery from discount/retail stores that sell groceries may not qualify for the grocery store or grocery delivery category. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. Refer to the Rewards Center for full details.

  15. An automatic statement credit of $30 per 12-month period will be applied to your U.S. Bank Altitude Connect Visa Signature Card Account within 2 statement billing cycles following 11 consecutive calendar months of eligible streaming service purchases, such as Netflix, Hulu, Apple Music, if the Account is in good standing (open and able to use). Purchases qualify based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Refer to Program Rules or usbank.com/altitudeconnectbenefits for official list of qualifying streaming services merchants. We reserve the right to adjust or reverse any portion or all of any streaming services credit for unauthorized purchases or transaction credits.

  16. The 0% introductory APR applies to purchases and is valid for the first 21 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 21 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary. The current undiscounted variable APR for Purchases and Balance Transfers is $ based on your creditworthiness. The variable APR for Cash Advances is 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. Annual fee: $0. Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable U.S. Bank ExtendPay balance. U.S. Bank ExtendPay Fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.

  17. One-time 50,000 bonus Points will be awarded if you are approved for a new U.S. Bank Altitude Reserve Visa Infinite Card and eligible Net Purchases totaling $4,500 or more are made to your Account within 90 days after Account opening. Points are earned on eligible Net Purchases. Net Purchases are purchases minus credits and returns. Points are earned based on eligible net purchases. Not all transactions are considered to be Purchases and eligible to earn Points, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Please allow 1-2 billing cycles for your bonus Points to be credited to your Account. The bonus is not available to Cardmembers who currently have, or had, a U.S. Bank Altitude Reserve Visa Infinite account. Use of the Card is subject to terms and conditions of the U.S. Bank Altitude Reserve Visa Infinite Cardmember Agreement, which is provided at Account opening and may be amended from time to time. This offer may not be combined with any other bonus offer.

  18. Points are earned on eligible Net Purchases. Net Purchases are Purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn Points, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, please refer to the materials received with your new card and the Program Rules in the online Rewards Center by logging in to usbank.com for additional information. Account must be open and in good standing (not past due) on the closing date of the billing cycle in order to earn and redeem Points. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. U.S. Bank Altitude Reserve Visa Infinite Cardmembers will earn 1 Point for every $1 in eligible Net Purchases. In addition, you will earn 4 Points (5 Points total) for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations purchased in the online Altitude Rewards Center using your U.S. Bank Altitude Reserve Card. Prepaid car and hotel reservations in the Rewards Center are not classified as a travel category merchant transaction and are not eligible to receive the additional points for that category. You will earn 2 Points (3 Points total) for every $1 in eligible Net Purchases during each billing cycle for transactions made directly with merchants who classify their business as a travel category transaction (such as purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies), and for transactions using a mobile wallet. “Mobile wallet” is defined as the method of paying for a transaction by use of a mobile device (in-store, in-app or online) and includes Apple Pay®, Samsung Pay, and Google Pay™. If the transaction is an eligible mobile wallet transaction and an eligible travel category transaction, additional Points will only be awarded for one of the transaction types (Points will be applied as mobile wallet, not travel). Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. Refer to the Rewards Center for full details.

  19. Late payments and going over the credit limit may damage your credit history.

  20. Points are earned on eligible Net Purchases. Net Purchases are Purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn Points, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Upon approval, please refer to the materials received with your new card and the Program Rules in the online Rewards Center by logging in to usbank.com for additional information. Account must be open and in good standing (not past due) on the closing date of the billing cycle in order to earn and redeem Points. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Use of the Card is subject to terms and conditions of the U.S. Bank Altitude Go Secured Visa Cardmember Agreement, which may be amended from time to time. U.S. Bank Altitude Go Secured Visa Cardmembers will earn 1 Point for every $1 in eligible Net Purchases. In addition, you will earn 3 Points (4 Points total) for every $1 in eligible Net Purchases during each billing cycle for any merchant classified as a restaurant, fast-food restaurant or bar. You will earn 1 Point (2 Points total) for every $1 in eligible Net Purchases during each billing cycle for any merchant classified as a gas station, electric vehicle charging station, grocery store, supermarket or qualifying streaming subscription service. Refer to Program Rules or usbank.com/AltitudeGoBenefits for official list of qualifying streaming services merchants. Purchases at or delivery from discount/retail stores that sell groceries may not qualify for the grocery store or grocery delivery category.

  21. An automatic statement credit of $15 per 12-month period will be applied to your U.S. Bank Altitude® Go Secured Visa® Card Account within 2 statement billing cycles following 11 consecutive calendar months of eligible streaming service purchases, such as Netflix, Hulu, Apple Music, if the Account is in good standing (open and able to use). Purchases qualify based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Refer to Program Rules or usbank.com/AltitudeGoBenefits for official list of qualifying streaming services merchants. We reserve the right to adjust or reverse any portion or all of any streaming services credit for unauthorized purchases or transaction credits.