Annual Fee
$0
Welcome offer
No current welcome offer
No time to apply right now?
Get this offer by email and pick up where you left off, whenever suits you.
Pros & Cons
Pros
- +No annual fee
Cons
- –No purchase protection
Rewards
All Spending
1x
pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
¢/ point
0.50¢3¢
Points Earned
30,000
pts/yr
Estimated Value
$300
After Fees
+$300
1st Year Value
$300
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
Zero fraud liability: you are not responsible for unauthorized transactions if your card is ever lost or stolen. 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 Cash+® 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.