A cardmember agreement is a formal document provided by a credit card issuer. It outlines the terms and conditions that govern the account.

To order a copy of your cardmember agreement using online banking and the U.S. Bank Mobile App

1. Select your credit card and choose Account at the top of the page.
2. Scroll to the Interest rates, charges, and fees tile and choose Cardmember agreement.
3. Choose Request a Cardmember Agreement.
4. Complete the form, then select Next.
5. Review your information. If correct, select Submit.

More information

A cardmember agreement serves as a legal contract between the customer and the issuing financial institution. It ensures transparency regarding how the credit card account works and what the customer’s responsibilities are. Details include:

• Annual Percentage Rate (APR): The interest rate charged on balances owed.
• Minimum payment formula: How the minimum monthly payment due is calculated.
• Fees: Information about charges for late payments, cash advances, foreign transactions, and being over-the-limit.
• Dispute resolution: Procedures for handling billing disputes or unauthorized charges.

For more about products we offer, visit our Credit Cards page and select Learn More next to the card you're interested in. 

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.