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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. Please refer to your Rewards Program Rules for additional information.

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  1. Points are earned on eligible Net Purchases. Net Purchases are Purchases minus credits and returns. Not all transactions are eligible for Points, such as Advances, Balance Transfers and Convenience Checks. Please allow up to 1-2 billing cycles after a Purchase for Points on that Purchase to post to your Points balance. See your Cardmember Agreement or the Program Rules in the online Rewards Center by logging in to or mobile app for additional information. Account must be open and current (that is, no Minimum Payment is 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 Cardmember Agreement, which may be amended from time to time.

    Cardmembers will earn one (1) Point for every $1 in eligible Net Purchases. In addition, you will earn four (4) additional Points for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations in the Rewards Travel Center using your rewards credit card instead of Points. 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 one (1) additional Point for every $1 of Net Purchases for transactions that a merchant classifies as service stations, automated fuel dispensers, electric vehicle charging stations, grocery stores or supermarkets. Purchases at, or delivery from, discount/retail stores that sell groceries may not qualify for the grocery store or grocery delivery category.

  2. Please view the Guide to Benefits (PDF) for further card benefit details including full terms and conditions.  

  3. Certain terms, conditions and exclusions apply. Please refer to for further details and full terms and conditions - this link opens in new window. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases the hotel may or may not provide a substitute benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Signature Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property.

  4. Visa Signature cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders' behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at - this link opens in new window.

  5. 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.

  6. No one can prevent all identity theft.

  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.