0
Benefits0
Reward Categories—
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: Cash Back
Base Rate: 0.01x
Bonus Rate: 0.05x
Categories: Choose two 5% cash back categories (e.g., TV, Internet & Streaming Services, Home Utilities, Cell Phone Providers, Department Stores, Fast Food, Ground Transportation, Select Clothing Stores, Gyms/Fitness Centers, Sporting Goods Stores, Movie Theaters, Furniture Stores, Electronic Stores) and one 2% cash back category (e.g., Gas Stations, Restaurants, Grocery Stores). All other purchases earn 1% cash back.
Quarterly Rotating: Yes
Cap Amount: $2,000.00
Expiration Policy: Cash back rewards do not expire as long as your account is open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Transfer Partners: None
Redemption Penalties: None, minimum redemption amount of $25 may apply.
Benefits & Protections (Detailed)
No Card Benefits Available
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Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING$200
Cash BackRequirement: Spend $1,000 in 120 days
Timing: Bonus cash back will be applied to your account within 1-2 billing cycles after you meet the spending requirement.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 21.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 15 months
Intro BT APR: 0% for 15 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Bonus Eligibility: New cardmembers only. Not available to applicants who have received a bonus for this product in the past 24 months. Application Rules: U.S. Bank generally limits approvals to a maximum of 2 new personal credit cards within the past 12 months (2/12 rule). Applicants are also subject to strict scrutiny regarding recent credit inquiries and new accounts opened with any issuer; it is generally recommended to have no more than 0-1 new credit accounts opened in the past 6 months for optimal approval odds, especially for new U.S. Bank customers. Requires good to excellent credit (typically FICO score 700+) and sufficient income. An existing banking relationship with U.S. Bank may improve approval odds but is not mandatory.
Max Cards Per Issuer: 4
Min Spend Interval: 90 days
Cliff Effect Rules: Sign-up bonus is typically limited to once per product per 24 months. While there are no specific 'card family' rules that prevent holding multiple U.S. Bank cards, the 2/12 application rule and overall credit limit considerations will limit new approvals.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.3 / 5.0
Top Positive:
Excellent for maximizing rewards in specific spending areas with customizable 5% cash back categories (e.g., utilities, internet, streaming, home improvement). No annual fee and offers 2% cash back on an everyday category.
Top Negative:
Can be difficult to get approved for due to U.S. Bank's strict application rules (e.g., 0/6, 1/12 rule for new accounts). Requires active management to select categories each quarter, and the base earning rate is 1% on everything else.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Citi Custom Cash Card
- Chase Freedom Flex
- Bank of America Customized Cash Rewards credit card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $600.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0
Last Updated: Jan 01, 2024 00:00