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U.S. Bank Cash+™ Visa Signature® Card Terms and Conditions
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.

We 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.

We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.

Disclosure of Credit Card Terms
Interest Rates and Interest Charges U.S. Bank Cash+™ Visa Signature® Card
Annual Percentage Rate (APR) for Purchases U.S. Bank Cash+ Visa SignatureŽ Card: 14.74% to 23.74% based on your creditworthiness when you open your account.
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers U.S. Bank Cash+ Visa SignatureŽ Card: 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening. After that,
14.74% to 23.74% based on your creditworthiness when you open your account.
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances U.S. Bank Cash+ Visa SignatureŽ Card: 24.74%
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies Not applicable
How to Avoid Paying Interest on Purchases Your due date is 24 - 30 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $2.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees U.S. Bank Cash+™ Visa Signature® Card
Annual Fee
Annual Membership Fee
None
Transaction Fees
Balance Transfer
Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Convenience Check Cash Advance1
Either 3% of the amount of each advance or $5 minimum, whichever is greater.
Cash Advance ATM
Either 4% of the amount of each advance or $10 minimum, whichever is greater.
Cash Advance
Either 4% of the amount of each advance or $10 minimum, whichever is greater.
Cash Equivalent Advance
Either 4% of the amount of each advance or $20 minimum, whichever is greater.
Overdraft Protection
None
Foreign Transaction
2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars
3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
Penalty Fees
Late Payment
Up to $37
Returned Payment
Up to $35
Overlimit
None
How We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases)'. See your Cardmember Agreement for more details.
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardmember Agreement.
The information about the costs of the card described in this application is accurate as of 05/2017. This information may have changed after this date. To find out what may have changed, call us at 1-800-285-8585 (we accept relay calls) or write to us at P.O. Box 6352, Fargo, ND 58125-6352.
1Depending on your credit history, Convenience Checks may not be available to all applicants.
How Variable Interest Rates Are Determined: After the introductory period, your interest rate is a variable rate and is determined by a combination of the Prime Rate (which may vary) added to a margin (which does not change). Because the Prime Rate may vary, your variable interest rate will go up or down if the Prime Rate changes. If you are granted an Account, the following rates on the Account are variable: Non-Introductory Purchase Rate; Non-Introductory Balance Transfer Rate; Cash Advance Rate. More information is available in the Cardmember Agreement.
Notice to New York Residents: You may contact the New York state department of financial services by telephone at (800) 342-3736 or visit its website at www.dfs.ny.gov for free information on comparative credit card rates, fees and interest-free periods.
Notice to California Residents: An applicant, if married, may apply for a separate account.
Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under section 766.59 of the Wisconsin statutes or court decree under section 766.70, adversely affects our interest unless we, prior to the time the credit is granted or an open-end credit plan is entered into, are furnished a copy of the agreement, decree or court order, or have actual knowledge of the adverse provision. IF YOU ARE A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF YOUR MARRIAGE OR FAMILY.
Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
 By submitting this application, you understand and agree that U.S. Bank National Association (“we”, “us” or “our”), as the creditor and issuer of your Account, will rely on the information provided here in making this credit decision, and you certify that such information is accurate and complete to the best of your knowledge.  If we open an Account based on this application, you will be individually liable (or, for joint accounts, individually and jointly liable) for all authorized charges and for all fees referred to in the most recent Cardmember Agreement, which may be amended from time to time. We may request consumer credit reports about you for evaluating this application and in the future for reviewing Account credit limits, for Account renewal, for servicing and collection purposes, and for other legitimate purposes associated with your Account. Upon your request, we will inform you if a consumer report was requested and, if it was, provide you with the name and address of the consumer reporting agency that furnished the report.

By providing us with a telephone number for a cellular phone or other wireless device, including a number that you later convert to a cellular number, you are expressly consenting to receiving communications—including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system—from us and our affiliates and agents at that number. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur access fees from your cellular provider.  By submitting this application, you also agree that we may verify your employment, income, address and all other information provided with other creditors, credit reporting agencies, employers, third parties, and through records maintained by federal and state agencies (including any state motor vehicle department) and waive any rights of confidentiality you may have in that information under applicable law. By submitting this application, you certify that you read and understood the disclosures here and you agree to the terms of this application.

EXPANDED ACCOUNT ACCESS: Any Card or PIN issued to or selected by you under this Agreement can be used to access multiple checking, savings, line of credit and credit card account(s) held in your name with us or our bank affiliates; and any account you open with us and our affiliates may be accessed by the Card or PIN issued under this Agreement now or in the future. “Expanded Account Access” means use of a card or account number and PIN to conduct a transaction or obtain information at ATMs, over the telephone, through personal computer banking, or via any other available method. If the Card or PIN is for a joint account, the Card or PIN can be used to access all the accounts linked to the Card or PIN Access, whether joint or individual. There are no additional fees or charges for Expanded Account Access, but fees applicable to each applicable account will continue to apply in accordance with the terms of the applicable account agreements. Call Cardmember Service at 877-978-7446 to cancel Expanded Account Access, allowing a reasonable time for cancellation to become effective. If you cancel Expanded Account Access for any account, this Account will not be accessible by any card or PIN other than the Card or PIN issued under this Agreement.
U.S. BANK CASH+ PROGRAM

(a) Accounts that are eligible to earn cash rebates are open and current when the Account is used. Accounts are ineligible when closed and/or after enrollment in the U.S. Bank Cash+ Program is cancelled.

(b) You may only earn Rebates (defined below) for Net Purchases on your Account. "Net Purchases" are determined by totaling all new Purchases charged to the Account during a billing cycle, then subtracting credits posted to the Account during the same billing cycle for returns, chargebacks and/or other adjustments. Rebates are not earned for Advances (including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Convenience Checks, Balance Transfers, Interest Charges and Fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items.

(c) Rebates include 1% Rebates, 2% Rebates and 5% Rebates (collectively,"Rebates"). "1% Rebates" are those Rebates for which you will earn 1% of Net Purchases. "2% Rebates" are those Rebates for which you will earn an additional 1%, for a total of 2%, of Net Purchases as described further below. "5% Rebates" are those Rebates for which you will earn an additional 4%, for a total of 5%, of Net Purchases as described below.

(1) 2% Rebates are those Rebates for which you will earn 2% of Net Purchases made in 1 designated category. You must select, each calendar quarter, which category will apply for your 2% Rebates. If you do not make the designation for each quarter, you will earn the 1% Rebate in that category. Categories are subject to change quarterly.

(2) 5% Rebates are those Rebates for which you will earn 5% of Net Purchases made in 2 designated categories. You must select, each calendar quarter, which 2 purchase categories will apply for your 5% Rebates. If you do not make the designations for each quarter, you will earn the 1% Rebate in those categories. During any calendar quarter in which you spend more than $2,000 in your combined two 5% purchase categories, you will earn the 1% Rebate for any additional purchases in your 5% purchase categories during that quarter. Categories are subject to change quarterly.Merchants who accept Visa/Mastercard credit cards are assigned a merchant code based on the kinds of products and services they sell. To offer 2% and 5% Rebates based on purchase type (for example 5% cash back for Department Store purchases) U.S. Bank groups similar merchant category codes into Purchase Categories. Purchases which fall into the eligible Purchase Category will receive the stated Rebate. U.S. Bank makes every effort to include all relevant merchant category codes in its listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not use the merchant code that will fall within that Purchase Category. Therefore, U.S. Bank cannot guarantee that a purchase will qualify for 2% or 5% Rebates as any purchase where a merchant uses a category code outside of the eligible Purchase Category will not qualify for the stated Rebate.

(d) You must register online on a calendar quarterly basis to be eligible to earn 2% Rebates and 5% Rebates. You will be able to register to designate the categories applicable for a quarter's 2% Rebates and 5% Rebates within 45 days prior to the beginning of or during each applicable quarter. You may make changes to your designated categories until 5 days before the beginning of the quarter to which your designations apply. No changes may be made within five days before the start of or during the quarter in which your designated categories apply, including if you registered during the quarter. Allow up to 3 business days for registration to take effect before you will be eligible to earn 2% Rebates and 5% Rebates. You will begin earning 2% Rebates and 5% Rebates as of the start of the calendar quarter, or the date your registration is effective, whichever is later.

(e) We will show on your monthly Account statement the accrued Net Purchases potentially eligible for redemption as Rebates as of the statement billing date. Your 1%Rebates earned will appear on your statement as "Cash Rewards", and the additional rewards you earn for 2% Rebates and 5% Rebates (1% and 4%, respectively, in excess of the 1% Rebate) will appear on your statement as a "Bonus". Rebates earned can also be viewed within Internet Banking Rewards Center at usbank.com. We reserve the right to adjust or reverse the number of Rebates that were awarded, or Net Purchases potentially eligible for redemption, for unauthorized Purchases.

(f) Rebates may be redeemed as a statement credit, reward card, or deposit made to your U.S. Bank Savings, Checking or Money Market Account, based on your designation. There is no minimum redemption requirement except for U.S. Bank Visa Rewards Cards. Redemption for U.S. Bank Visa Rewards Cards must be in $5 increments, subject to a $20 minimum, except as otherwise allowed as communicated by U.S. Bank. In addition, you will earn a $25 Cash+ Bonus the first time you redeem$100 or more in rebates in a single redemption transaction. If your cash rewards balance is greater than or equal to zero as of the statement closing date of the statement period during which you redeemed $100 or more in rebates, the $25 Cash+ Bonus will be sent to you under separate cover in the form of a Cash+ Bonus Rewards Card. If your cash rewards balance is less than zero as of the statement closing date of the statement period during which you redeemed $100 or more in rebates, the $25 Cash+ Bonus will be added as cash to your cash rewards balance (and will offset the negative cash rewards balance on your statement). Terms and Conditions for the Cash+ Bonus Rewards Card will be provided with the card. Please allow 6-8 weeks after your redemption request is made for your Cash+ Bonus to arrive.

(g) The Account must be open and current to be eligible to earn Rebates. Rebates are not payable if the Account is closed or past due and will be forfeited. Generally, there is no maximum annual cash rebate, but U.S. Bank reserves the right to cap certain 2% Rebates and 5% Rebates in addition to any limits already described in these U.S. Bank Cash+ Program rules. Rebates expire 36 months after the billing cycle in which they are earned.

(h) The Account and these Rebates are provided for personal, family and household use. U.S. Bank reserves the right to disallow or remove Rebates awarded for Purchases made for other than personal, family or household use.

(i) We reserve the right to change or cancel the U.S. Bank Cash+ Program at any time, with or without notice to you. The most current U.S. Bank Cash+ Program rules are available at www.usbank.com/cashplus.

The creditor and issuer of this card is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Incorporated and American Express. MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a federally registered service mark of American Express.

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