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: Points
Base Rate: 1x
Bonus Rate: 4x
Categories: 4x Dining & Entertainment, 2x Groceries & Streaming Services
Quarterly Rotating: No
Cap Amount: $1,500.00
Expiration Policy: Points do not expire as long as account is active and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Transfer Partners: None
Redemption Penalties: None
Benefits & Protections (Detailed)
No Card Benefits Available
Click "Get Data" button below to fetch card benefits for this card.
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
Global Entry Credit: $0
TSA PreCheck Credit: $0
Sign-Up Bonus
PENDING$150
Cash BackRequirement: Spend $500 in 90 days
Timing: Bonus will be credited to your account within 2-3 billing cycles after meeting the spending requirement. Often, it appears on the statement following the one in which the requirement was met.
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: | $1.00 |
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: 29.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 6 months
Intro BT APR: 0% for 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility Requirements: Applicants must be currently enrolled in an accredited U.S. college or university, be 18 years or older (or 21 if applying without a co-signer and demonstrating independent income), and possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Applicants must demonstrate sufficient income to repay debts. Bonus Rule: Earn a $50 statement credit after spending $500 in the first 3 months of account opening. Application Rules: U.S. Bank's 2/12 Rule applies, meaning applicants are generally ineligible if they have opened 2 or more personal U.S. Bank credit cards in the past 12 months. Limited or no prior credit history is acceptable, but adverse credit history may result in denial.
Max Cards Per Issuer: 4
Min Spend Interval: 3 months
Cliff Effect Rules: The primary cliff effect rule for U.S. Bank personal credit cards is the 2/12 rule, which restricts new applications if 2 or more personal U.S. Bank cards have been opened in the past 12 months. This rule applies across all personal card products offered by U.S. Bank.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
Excellent for college students to build credit history, no annual fee, simple rewards program, good for first-time cardholders.
Top Negative:
Low credit limits, foreign transaction fees, basic rewards compared to other cards, customer service can be inconsistent.
Approval Experience: 85.0 / 100
Recommended Alternatives
- Discover it Student Cash Back
- Capital One SavorOne Student Cash Rewards Credit Card
- Journey Student Rewards from Capital One
Card Value Score: 80.0 / 100
Est. Annual Rewards: $60.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0