Application Link
Benefits
- Earn a $20 annual statement credit for 11 consecutive months of purchases (calendar month).
- Earn 4% cash back on prepaid air, hotel and car reservations booked directly in the US Bank Rewards Center. No cash back on other purchases.
- 0% intro APR for 24 months.
- No annual fee.
Disadvantages
- No welcome offer.
- It has foreign transaction fee, so it’s not a good choice outside the US.
Recommended Application Time
- We recommend you apply for this card after you have a credit history of at least two years and you are very comfortable with the credit card game.
Summary
This card has a rather unique design, somewhat like a “lite version” of the BBR, offering a small cash bonus each year. However, the annual bonus isn’t very high, so for most readers of this site, it may not be as worthwhile as getting a card with a higher welcome offer.
After Applying
- To check the application status, you can visit this webpage or call (800) 947-1444. If you see the 7-10 days message, it just means they will do a manual review and the outcome could be either approved or denied.
- US Bank reconsideration line: (800) 947-1444.