U.S. Bank FlexPerks® Business Edge Travel Rewards Terms and Conditions
Disclosure of Credit Card Terms
The information about the costs of the card described in this application is accurate as of 05/2018. This information may have changed after this date. To find out what may have changed, call us at 1-800-374-7979 (we accept relay calls) or write to us at P.O. Box 6353,
Fargo, ND 58125-6353.
Participation in the Rewards Program (“Program”) is restricted to U.S. residents who are 18 years of age or older (“Cardmember”, “you”, and “your”) and in whose name U.S. Bank National Association (“U.S. Bank”, “we”, “us” and “our”) maintains a U.S. Bank FlexPerks® Business EdgeTM Travel Rewards Card Account (an “Account”). Travel, gift cards, merchandise and other benefits offered from time to time are the “rewards” you may obtain by redeeming the FlexPoints® you have earned in the Program. Additional terms and conditions for the Program can be found in the materials provided to you when your Account was opened and the card was received. Program administrative services are provided by third party vendors. Earning FlexPoints
U.S. Bank will credit your Account with FlexPoints as follows. You will earn one FlexPoint for every $1 in eligible Net Purchases (Net Purchases are purchases minus credits and returns).
In addition, you will earn additional FlexPoints for the following Net Purchases:
Additional FlexPoints may be awarded for purchases at merchants classified as: airlines, office supply stores or gas stations (each, a “Category”). You will earn one additional FlexPoint for every $1 in eligible Net Purchases in the one Category in any given billing cycle that has the highest total of eligible Net Purchases charged to your Account (the “Highest Category").
You will earn one additional FlexPoint for every $1 in eligible Net Purchases during the current month’s billing cycle for any cellular services provider merchant.
You will earn one additional FlexPointfor every $1 in eligible Net Purchases during each billing cycle for any merchant location that classifies itself as a Charitable and Social Service Organization.
Merchants identify their business by selecting a merchant category code established by Visa. A Purchase will not earn additional FlexPoints if the merchant’s selected code is in a category that is not eligible for additional FlexPoints earning. We do not determine the category codes that merchants choose and reserve the right to determine which Purchases qualify for additional FlexPoints.
Your Account must be open and current (that is, no Minimum Payment is past due) on the closing date for the billing cycle in order to earn FlexPoints. Subject to credit availability, the number of FlexPoints that may accumulate in any monthly billing cycle for your Account is unlimited. “Net Purchases” for a statement period are determined by totaling all new purchases charged to the Account during the billing cycle, then subtracting credits posted to the Account during the billing cycle for returned Purchases and/or adjustments.
If credits during a statement period exceed Purchases, the credit balance will be carried over to the following billing cycles and offset against future Purchases charged to the Account for purposes of awarding FlexPoints. We may round Net Purchases up or down to a whole dollar amount for purposes of awarding FlexPoints. FlexPoints will not be awarded for any billing cycle if your Account is closed or is not current on the closing date for that billing cycle. FlexPoints will only be awarded for “Purchases” (as defined in the Cardmember Agreement) and will not be awarded for transactions posting as Convenience Checks, credit insurance premiums, Advances (as defined in the Cardmember Agreement, including wire transfers, traveler’s checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Balance Transfers, INTEREST CHARGES and fees, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. We reserve the right to adjust or reverse the number of FlexPoints that were awarded for unauthorized transactions. Further, this Account is intended to be used for the purchase of various products and services for business purposes, and we have the right to adjust or reverse the number of FlexPoints that were awarded or terminate the Account if we determine that purchases or transactions were outside of such use, including, without limitation, excessive or patterned purchases of cash equivalent instruments, such as gift cards, rewards cards, and other prepaid cards.
You may not redeem FlexPoints, and you will immediately lose all of your FlexPoints, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, fraudulent activities, failure to pay, bankruptcy, or death).
Please allow up to sixty (60) days after a Purchase for your FlexPoints, on that Purchase, to post to your FlexPoints balance. Your FlexPoint balance is available online in the Rewards Center. Your balance for the calendar year is reflected on your Account statement each month.
FlexPoints cannot be used as payment for obligations owed to U.S. Bank or its affiliates. Exception: Cardmembers can choose to redeem their earned FlexPoints for a statement credit to be applied to their Account by accessing the Rewards Center. The statement credit will reduce the Account balance, but does not count as a payment and thus does not reduce the minimum payment due. There are no refunds, exchanges, replacements or conversions for currency, credit, other FlexPoints or rewards for no-shows or unused portions or rewards, unless otherwise noted. Determination and payment of tax liability is the sole responsibility of the Cardmember. Points Expiration
FlexPoints will expire at the end of the calendar quarter, at 11:00 p.m. Central Time, that is five (5) years from the date on which they were earned. FlexPoints are redeemed or expire on a first-in, first-out basis, so that the FlexPoints you earned are used first before later earned FlexPoints. Contact Us
Except where stated otherwise in these Program Rules, you may generally redeem, transfer and purchase FlexPoints, as described in this Program Rules, by:
visiting the Rewards Center online, which is found in online banking at usbank.com, or
calling the Center at 888-229-8864 between 8:00 am and 10:00 pm (Central Time) Monday through Friday and 8:00 am to 5:30 pm (Central Time) Saturday and Sunday.
Please note, in some cases additional fees may apply for certain redemptions. Transferring FlexPoints
You may transfer FlexPoints you earned to other qualifying FlexPerks Accounts. In order to transfer FlexPoints, the transferring Account and the Account receiving the FlexPoints must be in good standing (not in default, closed, suspended or otherwise not in good standing) at the time of transfer. You may transfer FlexPoints using the Point Transfer tool under the "Manage Points" section of the Rewards Center or by calling the Rewards Center. The amount of FlexPoints that you may transfer is limited to 20,000 FlexPoints in a calendar year. The amount of FlexPoints that you may accept as a transfer into your rewards Account is limited to 20,000 FlexPoints in a calendar year. All FlexPoint transfers are final. You may not cancel a transfer request; you may only (if available) initiate a new transfer request back to the original account in order to reverse a transfer request. Purchasing FlexPoints
You can purchase additional FlexPoints to use for redeeming for rewards. The FlexPoints purchase will be charged to your Account. Each FlexPoint is priced at $.03, a minimum number of 3,000 FlexPoints per purchase is required and FlexPoints must be purchased in increments of 1,000. The maximum number of FlexPoints you may purchase in a calendar year is 60,000. Purchased FlexPoints are available immediately. You do not earn additional FlexPoints for purchasing FlexPoints. All FlexPoint purchase transactions are final and FlexPoints cannot be returned. Your Account must be in good standing to purchase FlexPoints. U.S. Bank reserves the right to change the price that is charged per FlexPoint. Redeeming FlexPoints
Available Travel Rewards, Gift Card/Gift Certificate Rewards, Merchandise Rewards, Magazine Rewards, Event Ticket Rewards and any other Program Rewards as well as the number of FlexPoints needed to obtain each reward is available to Cardmembers at the Rewards Center and by phone. U.S. Bank and/or third party vendors may change or terminate participating merchants, withdraw, limit, modify, or cancel any rewards, add an unlimited number of blackout dates, or increase the number of FlexPoints required for any reward at any time without advance notice, even though such changes may affect the accrual or value of FlexPoints or rewards. Minimum FlexPoint redemption levels apply, vary by type of redemption, and are provided at the Rewards Center. Reward redemption is subject to availability based upon Cardmember’s Account mailing address. Also, in most cases, ship-to address must be a street address; APO/FPO/PO Box addresses may not be accepted.
You may redeem FlexPoints for rewards only if the outstanding balance of your Account is below the credit limit and if your Account is open and in good standing. We reserve the right to verify and adjust FlexPoints at any time before or after posting any redemption. Once you or we close your Account for any reason, all accumulated FlexPoints may be forfeited.
For redemptions, inquiries, and updates, Cardmembers may visit the Rewards Center online or call the Rewards Center. All FlexPoint redemptions are final. Travel Rewards
You may redeem FlexPoints earned in the Program to purchase travel rewards. All travel reservations must be booked through the Rewards Center online or by phone. FlexPoints are considered fully redeemed when a confirmation number is issued and FlexPoints are deducted from your balance. Travel rewards can be issued in any individual’s name, but FlexPoints used for the purchase must be redeemed by a Cardmember on the Account. U.S. Bank and our third party vendor(s) shall not be liable for any bodily and/or property damage that may result from your use of travel rewards, or the performance by the travel providers (e.g., airlines, hotels, etc.).
Your redemption for travel rewards constitutes your agreement to the terms and conditions of our third party vendor(s). If you book travel through the Rewards Center online, please refer to additional terms and conditions provided in the online redemption process. If you book travel by phone, a $25 Travel Advisor Consultation fee will be charged per airline ticket, and please refer to additional terms and conditions provided on your travel itinerary.
Airlines may impose additional fees that are not included in your award ticket, including but not limited to fees for seating, luggage and changing your ticket.
When you redeem FlexPoints for travel (airlines, hotels, and car rentals), each FlexPoint is worth $.015, which means that 30,000 FlexPoints equals $450.00 in redemption value. $25 Airline Allowance
Cardmembers redeeming FlexPoints for Award Travel (a ticket paid using FlexPoints) are eligible to receive the airline allowance credit up to $25 per each award ticket. Qualifying Purchases must be made using a FlexPerks Reserve, FlexPerks Travel Rewards or FlexPerks Business Travel card on the Award Travel dates. Qualifying Purchases must be through the airline carrier which is inclusive of a checked baggage fee, on-board food or beverage purchases and airline lounge memberships. U.S. Bank does not have the ability to control how a merchant chooses to classify their business and reserves the right to determine which purchases qualify for the allowance. You may redeem allowance for Qualified Purchases only if the outstanding balance of your Account is below its revolve limit and if your Account is open and in good standing under the terms of your Cardmember Agreement. Once you or we close your Account for any reason, your allowance may be forfeited.
Example: If FlexPoints are used to redeem for two airline award tickets on a FlexPerks Travel account, the Cardmember may earn the amount of two airline allowances (up to $50 in airline allowance credit).
Cardmember is required to contact Cardmember Service within 90 days after travel to request the airline allowance which is credited to your Account and will appear on the statement within 4-6 weeks (or a notification regarding a decline will be sent). The airline allowance is only eligible for FlexPerks Reserve, FlexPerks Travel Rewards Cards and FlexPerks Business Travel Card products. NetJets® Rewards
You may redeem FlexPoints earned in the Program to purchase flight hours on the NetJets fleet in one-hour increments (two-hour minimum for non-NetJets owners).
Actual flight time calculations include 6 minutes for taxi time on takeoff and landing for each leg for a total of 12 minutes per flight. All flight hours are subject to a fuel surcharge, which is the responsibility of the Cardmember and must be paid directly to NetJets.
Qualifying Cardmembers are required to call the Rewards Center to arrange for FlexPoints redemptions, after which the Cardmember will be transferred to NetJets to complete the redemption. Once completed, all booking arrangements and flight-related matters should be made with NetJets directly - U.S. Bank is responsible solely for making FlexPoint redemptions.
All redemptions of FlexPoints for NetJets flight hours and the usage thereof, are subject to definitive agreement with NetJets. At the time of redemption, if the Cardmember needs a larger leasehold interest to accommodate his/her chosen flight itinerary, he/she is permitted to acquire additional flight hours in one hour increments in accordance with above at the published FlexPoints cost. Such additional time will become part of the Cardmember’s assigned leasehold interest. The requirements listed apply equally to all Cardmembers, including Cardmembers already owning a NetJets product. The Cardmember is required to provide NetJets with his/her qualifying Account information to be used in case of additional costs incurred with flight redemption. Cardmembers acknowledge and agree that such additional costs they incur are charged to their qualifying Account. The Cardmember is responsible for various miscellaneous charges as set forth in the NetJets agreements (e.g. fuel surcharges, international fees, taxes, excess catering, etc.). Additional restrictions apply on NetJets Peak Period and Blackout Days. FlexPoints redeemed to NetJets may not be returned or refunded once redeemed. Additional terms and restrictions apply.
All fractional aircraft offered by NetJets® in the United States are managed and operated by NetJets Aviation, Inc. Executive Jet® Management, Inc. provides management services for customers with aircraft that are not fractionally owned, and provides charter air transportation services using select aircraft from its managed fleet. Both of these operating companies are wholly owned subsidiaries of NetJets Inc. All fractional aircraft offered by NetJets Europe are operated, maintained, and crewed by NetJets Transportes Aéreos, SA, a Portuguese/EU air carrier. NetJets has an affiliation with the provider of the NetJets Middle East Program. Marquis Jet® Partners, Inc. is a wholly owned subsidiary of NetJets Inc. and sells the Marquis Jet Card®. Marquis Jet Card flights are operated by NetJets Aviation under its 14 CFR Part 135 Air Carrier Certificate. NetJets, Executive Jet, Marquis Jet, and Marquis Jet Card are registered service marks. Merchandise Rewards
You may redeem FlexPoints earned in the Program for merchandise available through participating merchants under the then-current Program Rewards offering located at the Rewards Center. FlexPoints for merchandise are redeemed and deducted from the FlexPoints balance when merchandise is requested by a Cardmember. You may not use cash or anything other than FlexPoints earned with your Account to acquire merchandise through the Program. U.S. Bank and our third party vendor(s) shall not be liable for any bodily and/or property damage that may result from the use of any merchandise acquired through the Program.
Your redemption for merchandise constitutes your agreement to the following terms and conditions of our third party vendor(s) (such terms and conditions are in addition to any terms and conditions of participating merchants) – please review:
Merchandise merchants are in no way affiliated with U.S. Bank, nor are merchandise merchants considered sponsors or co-sponsors of this Program. Use of merchandise merchant names and/or logos are by permission of each respective merchandise merchant and all trademarks are the property of their respective owners. Returns are only accepted for merchandise that is damaged, defective or mis-shipped and reported within 90 days of the receive date – unless otherwise noted. Items supplied by Best Buy are subject to all of Best Buy’s conditions of use and policies, which can be found on www.bestbuy.com. Manufacturer warranties, if any and if applicable, cover merchandise offered in the Program. Redemption for merchandise is not available where prohibited by law. Merchandise redeemed may be shipped within the 48 contiguous United States only, unless noted otherwise. Only standard shipping is available; no express delivery. Charitable Contributions
From time to time you may have the opportunity on the Rewards Center to redeem FlexPoints earned in the Program toward a monetary contribution to a named charity. The named charity may vary. FlexPoint redemptions toward monetary charitable contributions may not be tax deductible. Please consult your tax advisor to determine if your redemption towards a charitable contribution is tax deductible. Gift Cards and Gift Certificates
You may redeem FlexPoints earned in the Program for gift cards or gift certificates available under the then-current Program Rewards offering located at the Rewards Center. FlexPoints for gift cards/gift certificates are redeemed and deducted from the FlexPoints balance when gift cards/gift certificates are requested by a Cardmember. You may not use cash or anything other than FlexPoints earned with your Account to acquire gift cards/gift certificates through the Program. U.S. Bank and our third party vendor(s) shall not be liable for any bodily and/or property damage that may result from your use of gift cards/gift certificates acquired through the Program.
Your redemption for gift cards/gift certificates constitutes your agreement to the following terms and conditions of our third party vendor(s) (such terms and conditions are in addition to any terms and conditions appearing on or with the gift cards/gift certificates) – please review:
Gift card/gift certificate merchants are in no way affiliated with U.S. Bank, nor are gift card/gift certificate merchants considered sponsors or co-sponsors of this Program. Use of gift card/gift certificate merchant names and/or logos are by permission of each respective gift card/gift certificate merchants and all trademarks are the property of their respective owners. Additional terms and conditions of gift card/gift certificate merchants apply to gift cards/gift certificates, and such terms and conditions are subject to change at gift card/gift certificate merchant's sole discretion, if permitted by law. Please see the gift card/gift certificate merchant’s gift card/certificate/website and the physical gift card/gift certificate for such additional terms and conditions. Gift cards/gift certificates can only be shipped within the 50 United States and U.S. territories. Gift cards/gift certificates will not be personalized and are transferable and may be redeemed by any person. Gift cards/gift certificates must be presented to participating gift card/gift certificate merchant for use. A gift card/gift certificate may only be used once. Mechanical reproductions, copies or facsimiles of gift cards/gift certificates will not be accepted. Gift cards/gift certificates are not exchangeable, refundable or redeemable for cash and cannot be replaced if lost or stolen. There are no refunds, exchanges, replacements or conversions for currency, credit, other points or rewards for no-shows or unused portions of gift cards/gift certificates. Lost, stolen, destroyed or expired gift cards/gift certificates will not be reissued or replaced. Reasonable efforts will be made to ensure that the gift certificate/gift card delivered in a timely manner. U.S. Bank, third party vendor(s) and gift card/gift certificate merchants are not responsible for gift cards/gift certificates or correspondence lost or delayed due to U.S. Mail delivery. U.S. Bank Rewards Visa Cards
You may redeem FlexPoints earned in the Program for U.S. Bank Rewards Visa Cards (“Rewards Cards”). FlexPoints for Rewards Cards are redeemed and deducted from the FlexPoints balance when the Rewards Card is requested by a Cardmember. Rewards Cards will be mailed to the billing address on file; if an alternate address (including APO/FPO/PO Box) is requested, the redemption must be made through the Rewards Center by phone. Rewards Cards lost in mail will be replaced at no cost to the Cardmember if mailed to the correct address. Once received, Rewards Cards may be replaced if lost or stolen if the Rewards Card number is available, subject to the terms and conditions that are provided with the Rewards Card.
Rewards Cards will be personalized with the primary Cardmember’s name and cannot be exchanged or refunded. Rewards Cards can be used at any merchant that accepts Visa debit cards. Rewards Cards cannot be reloaded with additional funds, nor can they be used at an ATM – no cash access. Terms and conditions apply and other fees apply to Rewards Cards. For complete terms and conditions, see the “U.S. Bank Rewards Card Cardholder Agreement” available at www.usbankrewardscard.com
. U.S. Bank Rewards Visa Cards are issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. Annual Fee
You may redeem FlexPoints earned in the Program to offset the cost of the Annual Fee charged for your Account. If you have enough FlexPoints available to use this benefit, this redemption option is available on the Rewards Center and via phone for 90 days before and after the anniversary date of the opening of your Account. This redemption will take the form of a statement credit to offset the Annual Fee billed to your Account. FlexPoints redeemed for your Annual Fee will reduce the Account balance, but will not count toward your minimum payment due. Please allow up to 7 business days for the credit to post to your Account. The credit will reflect on your next available statement following the redemption request. FlexPoints for payment of the Annual Fee are deducted from the FlexPoints balance when the redemption is requested by the Cardmember. Cash Back as a Statement Credit or Account Deposit (Choose Your Own Rewards)
You can choose to redeem FlexPoints for cash back in the form of a deposit to a U.S. Bank checking or savings account or as a statement credit to your Account. FlexPoints for cash back redemptions are deducted from the FlexPoints balance when the cash back redemption is requested by a Cardmember.
Statement credits are issued via a credit to your Account. A credit will be applied to your Account within 6-8 weeks. FlexPoints redeemed for a statement credit will reduce the account balance, but will not count toward your minimum payment due.
Account deposit redemptions may be issued via an electronic ACH deposit only to your U.S. Bank checking or savings accounts. Account deposit redemptions may not be deposited to an international account. Redemptions to a U.S. Bank checking or savings account will be applied within 7 business days of your redemption request.
You must enter an accurate routing number and account number for your cash back redemption to be processed correctly. Routing numbers entered for a cash back redemption are checked against the routing number directory maintained by the Federal Reserve. If you have entered your routing number correctly and it is not accepted by the Rewards Center, please contact your financial institution to verify the number. If your routing number still is not accepted, please call the Rewards Center. U.S. Bank is not responsible for incorrectly entered banking information. Event Tickets
You may redeem FlexPoints earned in the Program for event tickets. All event tickets must be booked online through the Rewards Center. FlexPoints for event tickets are redeemed and deducted from the FlexPoints balance when a confirmation number is issued to the Cardmember. FlexPoint redemptions for event tickets must be performed by a Cardmember on the Account. You may obtain event tickets with a combination of FlexPoints redemption and purchase; however, the first ticket must be covered in full by FlexPoints redeemed before any additional tickets (if available from the ticket provider) may be purchased. U.S. Bank and our third party vendor(s) shall not be liable for any bodily and/or property damage that may result from your redemption, use of the event ticket, or attendance at the event’s venue – please review:
Your redemption for (and purchase, if any) of event tickets constitutes your agreement to the terms and conditions of our third party vendor(s). Please refer to additional terms and conditions provided by our third party vendor(s) throughout the redemption process on their website, and within their communication with you during the redemptions and post-redemption processes (such terms and conditions are in addition to any terms and conditions appearing on or with your event tickets). All redemptions and sales are final. There are no refunds, exchanges, replacements or conversions for currency, credit, other points or rewards for no-shows or unused portions or rewards, unless otherwise noted. U.S. Bank and our third party vendor(s) are not responsible for correspondence lost or delayed due to shipping. Our third party vendor(s) may impose additional fees including but not limited to service fees, processing fees, shipping and delivery charges as well as applicable taxes, that may be included in the amount that is calculated for FlexPoints redemption purposes. Magazines
You may redeem FlexPoints earned in the Program for magazines (print subscription and digital subscription) available through participating third party vendor(s) under the then-current Program Rewards offering in the Rewards Center. FlexPoints for magazines are redeemed and deducted from the FlexPoints balance when the magazine is requested by a Cardmember. You may not use cash or anything other than FlexPoints earned with your Account to purchase magazines through the Program. U.S. Bank, third party vendor(s) and publishers are not responsible for magazines or correspondence damaged, lost or delayed due to U.S. Mail delivery and/or email delivery.
U.S. Bank and our third party vendor(s) shall not be liable for any bodily and/or property damage that may result from the use of any magazines acquired through the Program - please review:
Your redemption for magazines constitutes your agreement to the terms and conditions of our third party provider(s) and the magazine's publisher. The third party providers and publishing companies are in no way affiliated with U.S. Bank, nor are magazine providers and publishers considered sponsors or co-sponsors of this Program. Use of magazine names, and/or logos is by permission of the respective third party vendor(s) and publishers and all trademarks are the property of their respective owners. There is a limit of 1 magazine subscription per title per household. Please allow 8-16 weeks for first issue to arrive. Real-Time Mobile Rewards
With Real-Time Mobile Rewards, you may instantly redeem FlexPoints for your credit card Purchases via text messaging. The FlexPoints redemption comes in the form of a credit to your monthly billing statement. FlexPoints will be deducted from your FlexPoints balance and a credit for the Purchase amount will be applied to your Account billing statement when you request redemption. For transactions which include a gratuity, fees, or estimated taxes, the statement credit may not equal your final Purchase amount. Auto bill pay transactions will be part of Real-Time Mobile Rewards text messages if the Purchase falls within your preference selections. Real-Time Mobile Rewards text messages are available only for transactions with U.S. merchants. You may sign up for Real-Time Mobile Rewards using your 10-digit U.S. mobile number. Only one mobile number may be used per Account. After you complete a brief enrollment profile, you need to confirm your enrollment within 24 hours by replying ‘YES’ to a confirmation message that Real-Time Mobile Rewards will send you. If any changes are made to your Account that will affect the card number, Account ownership or your rewards program, you will need to re-enroll in Real-Time Mobile Rewards. Message and data rates may apply. The short code REDEEM (733336) is used by Real-Time Rewards to send redemption requests. Message frequency is based upon the preferences you select and the Purchases you make on your Account. Text ‘HELP’ to REDEEM (733336) for Help. Text ‘STOP’ to REDEEM (733336) to cancel your participation in Real-Time Mobile Rewards. All cancellations completed via text message will remove that mobile number from all accounts registered for Real-Time Mobile Rewards. Please visit rtr.myrewardsaccess.com for a full listing of the Mobile Terms and Conditions. For inquiries, to sign up to receive text alerts, to update your preferences or to cancel your enrollment, please visit the Rewards Center online or call the Rewards Center.
You will not receive Real-Time Mobile Rewards text messages until you confirm your enrollment and preferences. You will receive a Real-Time Mobile Rewards request text message if your credit card Purchase falls within the criteria you have set up in your Real-Time Mobile Rewards preferences. Merchants who accept Visa cards are assigned a merchant code based on the kinds of products and services they sell. U.S. Bank does not control how Purchases are processed by merchants or the merchant codes they use; therefore, U.S. Bank cannot guarantee that a specific transaction will qualify. Your Account must remain in good standing in order to redeem. You may redeem by replying ‘REDEEM’ within 24 hours of when the message was sent. You may only redeem the most recent Real-Time Mobile Rewards text message. Upon confirmation of a redemption request, FlexPoints will be deducted from your FlexPoints balance immediately, and a credit to your statement will be processed within three business days and will appear on your next billing statement. The Account statement credit for a Real-Time Mobile Rewards redemption will reduce the Account balance, but will not count toward the minimum payment due. All redemptions are final. If you return the item or service that you redeemed FlexPoints for to the merchant, the FlexPoints will not be reinstated, but you may receive a monetary credit to your Account (in accordance with the merchant’s return policy). Limitations of Liability
In addition to other disclaimers set forth in these Program Rules, third party vendors and U.S. Bank make no guarantees, warranties or representations of any kind, expressed or implied, with respect to the goods or services offered by any participating merchant; and shall not be liable for any loss, expense, accident, injury or inconvenience that may arise in the connection with the use of such rewards; or as a result of any defect in or failure of such rewards. Third party vendors and U.S. Bank specifically disclaim any defect in or failure of such rewards. Third party vendors and U.S. Bank specifically disclaim any implied warranties of merchantability or fitness for a particular purpose.