FlexPerks® Travel Rewards 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.

Should your application for the U.S. Bank FlexPerks Travel Rewards Visa® Signature card be denied, submitting this application constitutes your application for a U.S. Bank FlexPerks Select Rewards Visa® card.

Disclosure of Credit Card Terms
Interest Rates and Interest Charges FlexPerks® Travel Rewards Visa Signature® card
Annual Percentage Rate (APR) for Purchases 0% introductory APR for the first 12 billing cycles. After that,
FlexPerks® Travel Rewards Visa Signature® card: 14.24% to 24.24% based on your creditworthiness when you open your account.
U.S. Bank FlexPerks Select Rewards Visa® Card: 14.24% to 24.24% 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 0% introductory APR for the first 12 billing cycles for balances transferred within 30 days from account opening. After that,
FlexPerks® Travel Rewards Visa Signature® card: 14.24% to 24.24% based on your creditworthiness when you open your account.
U.S. Bank FlexPerks Select Rewards Visa® Card: 14.24% to 24.24% 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 FlexPerks® Travel Rewards Visa Signature® card: 24.24%
U.S. Bank FlexPerks Select Rewards Visa® Card: 24.24%
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 FlexPerks® Travel Rewards Visa Signature® card
Annual Fee1
Annual Membership Fee
FlexPerks® Travel Rewards Visa Signature® card: $0 introductory annual fee for the first 12 months, After that $49
U.S. Bank FlexPerks Select Rewards Visa® Card: None
Transaction Fees
Balance Transfer
Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Convenience Check Cash Advance2
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 this account 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 05/2016. This information may have changed after this date. To find out what may have changed, call us at 1-877-978-7446 (We accept relay calls) or write to us at P.O. Box 6352, Fargo, ND 58125-6352.
1U.S. Bank FlexPerks Travel Rewards Visa Card: *U.S. Bank Platinum Checking customers receive a second year annual fee waiver, after that, $49
2Depending on your credit history, Convenience Checks may not be available to all applicants.
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.
 

 

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.