KNOWLEDGE BASE
How do I enroll in Real-Time Rewards?
Real-Time Rewards lets you redeem for the rewards you want from the stores you prefer, without visiting the Rewards Center.
When you use our Real-Time Rewards program, we will send you text messages after you make credit card purchases within pre-selected categories. After you receive the text message*, simply reply “REDEEM” to redeem rewards for statement credits. You can make changes at any time after enrollment.
Enroll in Real-Time Rewards using digital banking
- Select your rewards card from your dashboard.
- Online banking users: Choose Go to rewards & benefits and then Redeem rewards.
U.S. Bank Mobile App users: Select the Rewards tab and then Redeem rewards. - Choose Real-Time Rewards, then select Enroll now.
- Enter your mobile number, confirm it, and provide a minimum purchase amount (defaults to $10).
Note: The name on the card and last four digits of that card number will automatically populate on the form. - All categories are selected as a default. Uncheck the box to customize your categories.
- Review the terms, if you accept then mark the check box and select Continue.
- Review your enrollment information. If correct, select Confirm.
More information
- The minimum purchase amount is what you set to trigger a text alert to your mobile device.
- When it's received, you can redeem your cash rewards immediately. The credit will appear on your next statement.
- Minimum purchase amounts are $150 for car rentals and lodging; $10 for all other categories.
- You won't receive text alerts for purchases that don't meet the minimum amount you select above.
- Gas station and restaurant categories are not available for redemption.
*Standard messaging charges apply through your mobile carrier.