We 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.
U.S. Bank will increase your rate to a Penalty Rate if you: 1) Make payments 5 calendar days late twice, or 30 calendar days late once. 2) Make a payment that is returned; or 3) If you exceed your Credit Limit 2 times in 12 consecutive months.
* Introductory rates do not apply to balance transfers and cash advances. The rate will end early and increase to the APR for Purchases or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. We apply your payments to balances with lower APRs first.
The creditor and issuer of these cards 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.