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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.

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

The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc., and the card is available to United States residents only.

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

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  1. 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). 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 back rewards will expire at the end of the calendar month 36 months after the billing cycle in which they were earned. For complete terms, conditions, and fees of the U.S. Bank Rewards Visa Card, see the "U.S. Bank Rewards Card Cardholder Agreement" available at or in your card package. Reward cards are issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A., Inc.

  2. Cash back is earned on eligible Net Purchases. 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.

  3. When you use our Real-Time Rewards program, we will send you text messages after you make credit card purchases. You will only receive text messages for credit card purchases made within your selected categories. After you receive the text message, you must reply "REDEEM" to redeem rewards for statement credits. For purchases which include a gratuity, fees or estimated taxes, the statement credit may not equal your final purchase amount. The credit to your Account statement will be processed within three business days and will appear on your next Account billing statement. Participating categories exclude gas stations and restaurants. Available only for transactions with U.S. merchants. For text messages, standard messaging charges apply through your mobile carrier. Check with your carrier for specific fees and charges.

  4. Free delivery applies to orders over $35 as part of a Shipt membership. Orders with alcohol may incur a $7 alcohol fee. Certain terms, conditions and exclusions apply. Please visit for further details, offer end dates and full terms and conditions.

  5. No one can prevent all cybercrime or all identity theft.

  6. Certain terms, conditions, and exclusions may apply.

  7. U.S. Bank provides Zero Fraud Liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

  8. You agree to be responsible for all transactions the Authorized User makes on your account. Authorized Users can request Information on this account, such as but not limited to: current balance, payment due date and credit limit. Authorized Users can also perform certain maintenance functions on this account, such as but not limited to: activate a card, balance transfers, make a payment or remove their name from the account. Lastly, Authorized Users are not permitted to perform certain functions on this account, such as but not limited to: account closure, order a new card, or add a name on this account.

  9. Not all payment due dates may be available. If approved, please call the number on the back of your card for further information.

  10. For text messages, you may be charged access fees by your carrier, dependent on your personal plan. Check with your carrier on specific fees and charges.

  11. Free credit score access, alerts and Score Simulator through TransUnion's CreditView Dashboard are available to U.S. Bank online and mobile banking customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for the alert functionality. The free VantageScore® credit score from TransUnion® is for educational purposes only and not used by U.S. Bank to make credit decisions.