Pros & Cons

Pros

  • +Up to 4x at restaurants
  • +No annual fee

Cons

  • No purchase protection

Rewards

All Spending

1x

pts per dollar

Restaurants

4x

pts per dollar

Groceries

2x

pts per dollar

Gas

2x

pts per dollar

Streaming

2x

pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries2x
$700/mo
Gas & EV2x
$200/mo
Transit1x
$100/mo
Restaurants4x
$300/mo
Pharmacy1x
$50/mo
Travel1x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming2x
$100/mo
Office supplies1x
$0/mo
All other spending1x
$500/mo

Points Earned

52,800

pts/yr

Estimated Value

$528

After Fees

+$528

1st Year Value

$528

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 2x16,800 pts
Gas & EV$2,400/yr × 2x4,800 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 4x14,400 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 1x1,800 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 2x2,400 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1.76x
Total points earned52,800 pts
Value of points accumulated in the first year$528

Additional Benefits

$15 streaming service credit after 11 months of streaming purchases. Choose your payment due date. Zero fraud liability: you are not responsible for unauthorized transactions if your card is ever lost or stolen. Make contactless payments and use your Mobile Wallet. Your card limit is the same amount as your refundable security deposit ($300 to $5,000), held in a secured savings account with U.S. Bank; U.S. Bank monitors your activity and regularly reports your card status to the three major credit bureaus, and you may be able to automatically graduate to the U.S. Bank Altitude® Go Visa Signature® Card, at which point your security deposit is returned.

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 US Bank. All trademarks are property of their respective owners.