It’s easy to choose more cash back.

Just select the categories that make the most sense for you. You’ll earn 5% cash back1 on your first $2,000 in combined net purchases in your chosen 5% categories. 2% cash back is unlimited. All other eligible net purchases earn 1% cash back.

Give It A Try

Every quarter you get to choose from categories like these:

2% CATEGORIES
  • Gas Stations
  • Restaurants
  • Grocery Stores
5% CATEGORIES
  • Home Utilities
  • Ground Transportation
  • Select Clothing Stores
  • Cell Phones
  • Electronics Stores
  • Car Rentals
  • Gyms/Fitness Centers
  • Fast Food
  • Sporting Goods Stores
  • Department Stores
  • Furniture Stores
  • Movie Theaters

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 ($20 minimum redemption).

Make sure you choose your categories each quarter. If you do not choose your categories, all eligible net purchases will still earn 1% cash back. Category options subject to change on a quarterly basis. Net purchases are purchases minus returns or credits. Purchases over $2,000 (combined) in your selected 5% categories will still earn 1% cash back.

Please note: Merchants that accept Visa credit cards are assigned a merchant code based on the kinds of products and services they sell. To offer 2% and 5% Rebates based on purchase type (e.g., 5% cash back for Department Stores purchases), U.S. Bank groups similar merchant category codes into Purchase Categories. Purchases that fall into the eligible Purchase Category will receive the stated Rebate. U.S. Bank makes every effort to include all relevant merchant category codes in its listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not use the merchant code that will fall within that Purchase Category. Therefore, U.S. Bank cannot guarantee that a purchase will qualify for 2% or 5% Rebates as any purchase where a merchant uses a category code outside of the eligible Purchase Category will not qualify for the stated Rebate.

Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details.

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.