As a U.S. Bank Cash Rewards Visa cardmember, you will earn one 1% cash back for every $1 spent on eligible net purchases (net purchases are purchases minus credits and returns) made with your account during each billing cycle that your account is open and current according to your Cardmember Agreement. 

There is no limit or caps on the cash back you can earn.

Maximum Cash Rewards value applies to Cash Rewards redeemed for a statement credit or deposit into an eligible U.S. Bank Account. The redemption value may be different if you choose to redeem your Cash Rewards for other gift cards, Real-Time Rewards and other rewards options. Other restrictions apply. Minimum redemption amounts may vary and are subject to change without notice.

You can redeem your cash rewards at any time online through the rewards center or through the U.S. Bank Mobile App. Log in, select your U.S. Bank Cash+ account and select "View Rewards" and then “Redeem Rewards” or call the Cardmember Services number on the back of your card.

Redeeming your cash back rewards for a statement credit does not count as a payment and thus will not reduce your minimum payment. Your redemption will reduce your account balance, however.

Cash back will expire at the end of the calendar month 36 months after the billing cycle in which they were earned.

Your U.S. Bank Cash Rewards account must be open and in good standing (not past due or overlimit) according to your Cardmember Agreement in order to redeem cash rewards. Subject to applicable law, you may not redeem cash back, and you will immediately lose all of your cash back, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

It’s a rewards redemption method that enables you to instantly turn your purchases into rewards. Your mobile device can be used to immediately redeem cash rewards in the form of a credit to your monthly billing statement.

In the Rewards Center click on “Real-Time Rewards” in the top navigation bar and follow the steps to enroll.

First, complete a 2-minute enrollment to set your preferences. Then, after you make a purchase that meets your preferences, and receive a text asking if you want to use cash rewards to redeem immediately after the purchase, simply reply ‘REDEEM’ to the message to complete the redemption. You must have enough cash rewards to cover the entire purchase in order to receive the text message to redeem. Your cash rewards will be deducted from your cash rewards balance and redeemed in the form of a credit to your monthly billing statement. See Program Rules for additional details. 

Yes, you may assign a 10-digit U.S. mobile number to your accounts in good standing (not past due or overlimit).  

No. You may only assign one 10-digit U.S. mobile number per account. 

You may only redeem against the most recent text message received.

The text message is sent at the time of the eligible purchase. You have 24 hours from the time the purchase is made to respond to the text message and redeem cash rewards. 

Most gas and restaurant purchases are not available for Real-Time redemption because they are often two-stage authorization processes. For instance, restaurant purchases often have a tip after the initial authorization. 

No, Real-Time Rewards text messages are available only for transactions with U.S. merchants.

You may receive a Real-Time Rewards text message for an auto bill pay transaction if the purchase falls within your preference selections.

The statement credit may be different from your final purchase amount if the transaction included a gratuity, fees or estimated taxes.

You can opt-out at any time by going online to the Rewards Center or by texting ‘STOP’ to REDEEM (733336) or by calling the Rewards Center at 888-229-8864. After you opt-out, you may still receive text messages for up to 24 hours. Please see Program Rules for additional details. 

The complete Program Rules are included in your Welcome Brochure that was mailed to you when you became a cardmember. They are also available on the Rewards Center website by clicking “Program Rules”.

Yes, you can call the Rewards Center anytime at 888-229-8864.