4X points3
On takeout, food delivery and dining.
2X points3
At grocery stores, grocery delivery, streaming services and gas stations.
1X points3
1 point per $1 on all other eligible purchases.
No annual fee*
Enjoy all these rewards with no annual fee.
Low Intro APR
Enjoy a 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 14.99% - 23.99%*.
Streaming bonus4
$15 credit for annual streaming service purchases such as Netflix and Spotify®.
Rewards Calculator
Enter how much you spend every month and see how fast your points add up.
Additional benefits
Points never expire
Let your points add up for as long as you want – they'll never expire!
No foreign transaction fees*
No foreign transaction fees when making purchases outside the United States.
Mobile app
Use on-the-go features like purchase notifications, card lock and unlock, plus quick balance view.
Redeem points instantly
With Real-Time Rewards, shop nearly anywhere and redeem points instantly.
Enjoy a streaming bonus on Amazon Music, Pandora, and YoutubeTV,
Plus Netflix, Spotify® and many more
Enjoy a streaming bonus on Amazon Music, Pandora, and YoutubeTV,
Plus Netflix, Spotify® and many more
Looking for a credit card with different benefits?
Check out our wide range of cards that could fit your needs.
year U.S. Bank