U.S. Bank · Points / miles
Terms shown here may not reflect the issuer's current offer - always confirm details on their site before applying.
20,000 points after spending $1,000 in the first 3 months.
No major issuer-specific application restrictions on file for this card.
4x points on dining, takeout, and restaurant delivery on the first $2,000 in spend per quarter (then 1x); 2x points at grocery stores (excludes discount stores/supercenters and wholesale clubs), at gas stations and EV charging stations (same exclusions), and on eligible streaming services - all three 2x categories are uncapped; 1x point on everything else. Points redeem at 1 cent each for cash back to an eligible U.S. Bank account (2,500-point minimum redemption); other options (travel, gift cards, merchandise, charity) can be worth less, except charity redemptions which get a 100% U.S. Bank match. Points don't expire with regular account activity but expire after 12 consecutive statement cycles with no earning or redemption. $15 annual streaming credit after 11 consecutive months of eligible streaming purchases. 0% intro APR for 15 billing cycles on purchases and balance transfers (5% balance transfer fee applies). Real-Time Rewards redemption available via text message; ExtendPay no-interest installment plans available for a fixed monthly fee. No annual fee.