Pros & Cons

Pros

  • +Welcome Bonus: $600
  • +Purchase protection included

Cons

Rewards

All Spending

1x

Cash Back pts per dollar

Credit Card Rewards Calculator

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

¢/ point
0.50¢
Groceries1x
$700/mo
Gas & EV1x
$200/mo
Transit1x
$100/mo
Restaurants1x
$300/mo
Pharmacy1x
$50/mo
Travel1x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming1x
$100/mo
Office supplies1x
$0/mo
All other spending1x
$500/mo

Points Earned

30,000

Cash Back/yr

Estimated Value

$300

After Fees

+$205

1st Year Value

$211

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 1x8,400 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 1x3,600 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 × 1x1,200 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 year1x
Total points earned30,000 pts
Value of points accumulated in the first year$300

Additional Benefits

$250,000 and $1,000,000 Worldwide Automatic Travel Accident Insurance: the benefit amount payable is between $250,000 and $1,000,000 and varies by the credit card you charged your fare(s) to — for exact coverage amounts, call the Cardmember Service phone number found on the back of your card. Travel and Emergency Assistance Services: medical referral, legal referral, emergency transportation, emergency ticket replacement and lost luggage locator assistance — these are assistance and referral services only, and all costs are Your responsibility. Free employee cards and no foreign transaction fees on international inventory, supply or travel expenses. U.S. Bank Spend Management: a platform for monitoring and managing business expenses. Pay over time with a U.S. Bank ExtendPay® Plan — new cardmembers receive a $0 fee offer on ExtendPay Plans opened in the first 60 days after account opening. No rewards limits: no limits on the total rewards your business can earn, and the Top Two bonus categories adjust automatically each month based on your spending.

Travel Insurance

Lost Baggage

Up to $3,000

Travel Accident

Included

Purchase Protection

Purchase Protection

Up to $10,000 / 90 days

Extended Warranty

+1 years

Auto Rental Collision (secondary, primary for business rentals, primary abroad)

Included

View the insurance certificate (PDF)

Fees and interest rates

  • Annual Fee
    $95

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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.