U.S. Bank · Mastercard

Annual fee

$95 · $0 first year

Rewards

U.S. Bank Rewards

Earn rates

• 5x travel center prepaid hotel and car rentals — Verbatim: "You will earn 5 Points (1 base and 4 additional Points) for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations purchased in the Travel Center" (issuer page footnote 2).
• 4x travel (airlines, hotels, car rentals, taxis, limousines, trains, cruises) plus gas stations and EV charging (up to $150,000/yr) — Verbatim: "You will earn 4 Points (1 base and 3 additional Points) for each $1 on the first $150,000 spent during each account calendar year on combined eligible Net Purchases made directly with merchants that are classified as a travel provider category transaction" and "and for purchases made with merchants classified as a gas station or electric vehicle charging station excluding wholesale clubs and discount stores/supercenters. After $150,000 is spent on combined purchases during the calendar year in these categories, you will earn 1 Point for each $1 spent, with no maximum." Cap is $150,000 combined per account calendar year, then 1x.
• 2x dining (restaurants, fast food, bars) and cell phone providers — Verbatim: "You will earn 2 Points (1 base and 1 additional Point) for every $1 spent in eligible Net Purchases during each billing cycle for any merchant classified as a restaurant, fast-food restaurant or bar, and cellphone provider, with no maximum."

Foreign transaction fee

None

Purchase APR

18.24%–25.24% variable

Issuer rules

• Balance transfers from other U.S. Bank accounts are not permitted: "Balance Transfer transactions from other U.S. Bank National Association accounts are not permitted. Balance transfers submitted at time of application will be held for 10 days before processing."
• Applicants must be 18+ and use the account for business: "All applicants must be at least 18 years old and agree that Accounts will be used primarily for business purposes, and not personal, family, or household purposes." (terms document)
• U.S. residents only: "the cards are available to United States residents only"
• "Subject to credit approval."
• "This offer may not be combined with any other bonus offer."
• "Offer only available online."
• Points expire on inactivity: "Points will expire if there is no reward, purchase, or balance activity on your account for 12 consecutive statement cycles."
• Annual fee applies per Account Owner only: "$95 for Account Owners and $0 for Authorized Employees." (terms document)

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