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How this card earns

  1. 5 percent cash back:
    FlightsIssuer portal
    Prepaid flight reservations booked through the U.S. Bank Travel Center.
    HotelsIssuer portal
    Prepaid hotel reservations booked through the U.S. Bank Travel Center.
    Rental carsIssuer portal
    Prepaid rental car reservations booked through the U.S. Bank Travel Center.
    Your 2 chosen categories
    Fast food · Utilities · Internet and cable services · Streaming services · Department stores · Wireless phone service · Electronics stores · Sporting goods stores · Furniture stores · Movie theaters · Public transit · Fitness clubs · Select clothing stores · RideshareChoose at U.S. Bank; change it each quarter.On the first $2,000 spent each quarter.
  2. 2 percent cash back:
    Your chosen category
    Gas stations · EV charging · Groceries · Restaurants and cafes · Food delivery · Standalone cafeteriasChoose at U.S. Bank; change it each quarter.
  3. 1 percent cash back:

    Everything else

Protections and other benefits

3 benefits
  • Rewards RedemptionRedeem for statement credit or an eligible U.S. Bank deposit; cash rewards expire 36 months after the earning billing cycle.
  • Real-Time RewardsEnroll for text prompts and redeem enough rewards to cover an entire eligible purchase as a statement credit.
  • Cash-back DealsActivate personalized merchant offers in the U.S. Bank app or online banking to receive additional cash back.

Keep all your cards in one place.

The cards that do have credits get lined up by the day they end.

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Last checked
October 8, 2026
Foreign transaction fee
3%

Card terms can change. The issuer’s current terms control. Credit amounts show the most a credit is worth, not guaranteed savings. How card facts are sourced