Get the most from your card.

Earn cashback on everyday purchases.

  • 1% cash back1 on all purchases.2
  • No limit or caps on the cash back you can earn.

Important:

  • Cash back rewards will expire at the end of the calendar month 36 months after the billing cycle in which they were earned.
  • The account must be open and in good standing to earn and redeem rewards.

The U.S. Bank Cash Rewards Card makes it just as easy to redeem as it is to earn:1

  • Deposit your cash rewards into your U.S. Bank checking, savings or money market account.
  • Receive a statement credit to your credit card account.
  • Receive a U.S. Bank Rewards Visa® Card.

Redeem rewards by visiting the Rewards Center:

  1. Log into usbank.com or the U.S. Bank Mobile App.
  2. Locate your Credit Card, then click View Rewards.

Register for Real-Time Rewards to redeem cash rewards instantly for nearly any purchase.3

If you prefer the control and simplicity of shopping at your favorite sites and stores, Real-Time Rewards lets you redeem for the rewards you want from the stores you prefer, without visiting the Rewards Center. And you can choose the redemption categories that matter most to you — such as department stores, electronics, grocery stores, airlines or lodging. You're always in control of where and when you want to redeem.

  1. Log into usbank.com or the U.S. Bank Mobile App.
  2. Locate your Credit Card, then click View Rewards.
  3. Follow the steps to complete enrollment.

Contact Us to reach Cardmember Service.

U.S. Bank Smart Rewards®

Unlock perks with a U.S. Bank Smartly® Checking account and your U.S. Bank personal credit card – like exclusive cash-back deals, checking account monthly maintenance fee waiver, and more.

Visit usbank.com/smartrewards for details on the Smart Rewards program and full terms and conditions. Cardmembers who have both a personal credit card account and a business credit or charge card account with U.S. Bank are not eligible for these offers.

Shopping Deals

Earn additional cash back rewards while shopping online at 1,100+ stores using your Visa Card.

Log into usbank.com > Rewards Center > Shopping Deals or the U.S. Bank Mobile App.

Personalized Cash-Back Deals

Earn cash back from top retailers and restaurants with deals that are personalized to you.

Log into usbank.com or the U.S. Bank Mobile App to see all deals.

Shop with PayPal

Enjoy the convenience of faster checkouts and secure payments! Set your card up as your preferred PayPal payment and shop the millions of sites that accept PayPal. Link your card by logging into usbank.com > My Accounts > Take Action or the U.S. Bank Mobile App > Manage Cards.

 

Pay with Rewards from PayPal

Set up Pay with Rewards and any cash back rewards available for your purchase will show up at checkout. Simply choose the rewards you want to spend, for full or partial payment. Link your card by logging into usbank.com > My Accounts > Take Action or the U.S. Bank Mobile App > Manage Cards.

Visit paypal.com/usbank for details on Pay with Rewards for card eligibility, certain restrictions and full terms and conditions.

Shop with Points at Amazon.com

Use credit card rewards to make purchases at Amazon.com.

Visit amazon.com/usbank for details on Shop with Points at Amazon.com for card eligibility, certain restrictions and full terms and conditions.

Shipt

Enroll your U.S. Bank Cash Rewards Visa® Card to get 1 month of free Shipt membership, then 3 months of membership at 50% off, with free delivery on orders $35+.* Get groceries, household essentials, and more delivered in as soon as 1 hour.4

Visit shipt.com/usbank to enroll

ID Navigator Powered by NortonLifeLock™

Tools to help you act quickly if your personal data is threatened
No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can provide you with greater peace of mind. ID Navigator Powered by NortonLifeLock provides you with the tools to help keep you informed of potential threats to your identity, so you can act quickly should the unexpected happen.5

To confirm eligibility, visit cardbenefitidprotect.com.

Visa Offers + Perks

Enjoy discounts at the places you love to shop. Indulge your passion and gain access to a wide variety of offers and deals, including food and wine, shopping, sports, entertainment and more. Find your favorites at visa.com/offers.

Roadside Dispatch®

Get emergency roadside assistance with services like towing, fuel delivery, and more by calling 1-800-847-2869. Tell the operator where you are, what the problem is, and the operator will arrange a dispatch to a reliable tow operator or locksmith to provide help. The operator will let you know the name of the local tow operator or locksmith being sent to assist you. Cardmembers are responsible for any service fees.6

24/7 Account Access

Use Online Banking or in the U.S. Bank Mobile App to make a payment, check your balance, view transactions, lock/unlock your card, add a travel notification and much more.

Contact Us or call the number on the back of your card.

If your card has been lost, stolen or damaged, call 1-800-285-8585 for assistance.

Fraud Protection

We have sophisticated fraud-monitoring tools that look for abnormal spending patterns. If we see something unusual, we move fast to keep your card and your account information safe.

Your account is also protected with zero fraud liability, which means you’ll get reimbursed for 100% of fraud losses due to unauthorized use of your account. Please notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.7

Digital Payments

Download the U.S. Bank Mobile App and add your card to your digital wallet. Learn more about U.S. Bank Mobile Banking.

Add an Authorized User
Add an authorized user, who can share your line of credit and card benefits. Its easy. Log in to usbank.com, link opens in new window > Customer Service > Add Authorized User or Log in to the U.S. Bank Mobile App, link opens in new window > Manage Cards > Select your card > Add a User.8

Choose a Payment Due Date

Everyone's schedule is different. So, it's handy to be able to pick when your payment is due. Simply call the number on the back of your card.9

Set up AutoPay

Set up AutoPay to ensure you always pay on time, avoiding late fees and possibly save on interest charges. It can also help you pay down your balance a little faster. When paying a bill within Online Banking or in the U.S. Bank Mobile App, click on the link to "Set up recurring payments".

Set Account Alerts

Track your balance, payments and more.10 Sign up at usbank.com/alerts. link opens in new window.

Your Credit Score

Cardmembers enrolled in Online Banking can obtain their credit score at no cost.10 This tool tracks your score over time, shows you how certain credit actions can impact your score and provides helpful information on how to maintain good financial health. This credit score is for educational purposes and is not used by U.S. Bank to make credit decisions. Sign up in Online Banking link opens in new window or sign up in the U.S. Bank Mobile App- link opens in new window.

Learn More about your credit score. This link opens in a new window.

Start of disclosure content

U.S. Bank 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.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

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.

Account must be open and in good standing (not past due) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.

Start of disclosure content

  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 ($25 minimum). You may not redeem Cash back, and you will immediately lose all of your Cash back, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Cash back rewards will expire at the end of the calendar month 36 months after the billing cycle in which they were earned. For complete terms, conditions, and fees of the U.S. Bank Rewards Visa Card, see the "U.S. Bank Rewards Card Cardholder Agreement" available at www.myusbankcorporaterewards.com or in your card package. Reward cards are issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A., Inc.

  2. Cash back is earned on eligible Net Purchases. Net Purchases are Purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn cash back, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items.

  3. When you use our Real-Time Rewards program, we will send you text messages after you make credit card purchases. You will only receive text messages for credit card purchases made within your selected categories. After you receive the text message, you must reply "REDEEM" to redeem rewards for statement credits. For purchases which include a gratuity, fees or estimated taxes, the statement credit may not equal your final purchase amount. The credit to your Account statement will be processed within three business days and will appear on your next Account billing statement. Participating categories exclude gas stations and restaurants. Available only for transactions with U.S. merchants. For text messages, standard messaging charges apply through your mobile carrier. Check with your carrier for specific fees and charges.

  4. Free delivery applies to orders over $35 as part of a Shipt membership. Orders with alcohol may incur a $7 alcohol fee. Certain terms, conditions and exclusions apply. Please visit shipt.com/offer-terms-for-visa for further details, offer end dates and full terms and conditions.

  5. No one can prevent all cybercrime or all identity theft.

  6. Certain terms, conditions, and exclusions may apply.

  7. U.S. Bank provides Zero Fraud Liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

  8. You agree to be responsible for all transactions the Authorized User makes on your account. Authorized Users can request Information on this account, such as but not limited to: current balance, payment due date and credit limit. Authorized Users can also perform certain maintenance functions on this account, such as but not limited to: activate a card, balance transfers, make a payment or remove their name from the account. Lastly, Authorized Users are not permitted to perform certain functions on this account, such as but not limited to: account closure, order a new card, or add a name on this account.

  9. Not all payment due dates may be available. If approved, please call the number on the back of your card for further information.

  10. For text messages, you may be charged access fees by your carrier, dependent on your personal plan. Check with your carrier on specific fees and charges.

  11. Free credit score access, alerts and Score Simulator through TransUnion's CreditView™ Dashboard are available to U.S. Bank online and mobile banking customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for the alert functionality. The free VantageScore® credit score from TransUnion® is for educational purposes only and not used by U.S. Bank to make credit decisions.