You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our PRIVACY POLICY for how we treat your data.
Applies to All Rate Information:
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 rate will end early and increase to the APR for purchases and balance transfers or to a Penalty Rate APR, if applicable, if you make a late payment, make a payment that is returned, or your account exceeds its credit limit.
Applies to All Reward Information:
Rewards are 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 rewards, 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. Please allow 1-2 billing cycles for rewards to be credited to your Account. Please refer to your Cardmember Agreement for additional information. Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Each merchant’s business is identified by a category code established by Visa. A Purchase will not earn additional rewards if the category code applied to a merchant is in a category that is not eligible for additional rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which Purchases qualify for additional rewards.
Disclosure