Participation in the Rewards Program (“Program”) is restricted to U.S. residents who are 18 or more years old (“Cardmember”, “you”, and “your”) in whose name U.S. Bank National Association (“U.S. Bank”, “we”, “us” and “our”) maintains a Credit Card Account (an “Account”). Subject to these “Program Rules”, you may redeem “Cash Rewards” earned in the Program for a statement credit to your Account; a deposit into a U.S. Bank® savings, checking or money market account; or for a Rewards Card. Program administrative services are provided by third party vendors.

To participate in the Program, your Account must be open and in good standing (not overlimit or past due) under the terms of your Cardmember Agreement. We may alter, change, or terminate the Program at any time without advance notice. We may also disqualify Cardmembers who have violated any of these terms and conditions or the terms of their Cardmember Agreement with us. Determination and payment of tax liability is the sole responsibility of the Cardmember. The Program is void where prohibited by federal, state, or local law.

You may earn Cash Rewards for Net Purchases on prepaid air, car rental, and hotel purchases made via the Purchase travel link in the Rewards Center. "Net Purchases" are determined by totaling all new Purchases of air, car rental, and hotel purchases made via the Rewards Center charged to the Account during a billing cycle, then subtracting credits posted to the Account during the same billing cycle for returns, chargebacks and/or other adjustments of air, car rental, and hotel purchases made via the Rewards Center. Cash Rewards are not earned for any other Purchases.

U.S. Bank will credit your Account with 4% Cash Rewards for every $1 in eligible Net Purchases on prepaid air, car rental, and hotel purchases made via the Rewards Center. Your 4% Cash Rewards will appear on your statement as “4% Bonus Purchased Travel”. Please allow 1-2 statement billing cycles for your Cash Rewards to appear on your credit card statement. Cash Rewards earned can also be viewed within the Rewards Center via usbank.com or the U.S. Bank mobile app. We reserve the right to adjust or reverse the number of Cash Rewards that were awarded, or Cash Rewards potentially eligible for redemption, for unauthorized Purchases.

When you purchase travel with your Account through the Rewards Center, all travel reservations must be booked online through the online Rewards Center available at usbank.com or the U.S. Bank mobile app or by calling the Rewards Center at 888-229-8864. Travel reservations can be issued in any individual’s name, but travel must be purchased by an authorized Cardmember on the Account. U.S. Bank and our third party vendor(s) shall not be liable for any bodily and/or property damage that may result from your use of travel rewards, or the performance by the travel providers (e.g., airlines, hotels, etc.).

Your purchase for travel constitutes your agreement to the terms and conditions of our third party vendor(s). If you book travel through the Rewards Center, please refer to additional terms and conditions provided in the online booking process. If you book Air travel by phone, a $39 Travel Advisor Consultation fee will be charged per passenger, and please refer to additional terms and conditions provided on your travel itinerary. There are no additional booking fees for tickets booked online. Blackout dates may apply. Airlines, car rental agencies, and hotels may impose additional fees that are not included in your ticket or reservation, including but not limited to fees for seating, luggage, insurance, and changing your ticket or reservation.

Your Account must be open and in good standing on the closing date for the billing cycle in order to earn Cash Rewards.

The complete range of Cash Rewards redemption options is available when Cardmembers call 888-229-8864 or visit the Rewards Center at usbank.com.  U.S. Bank and/or third party vendors may change or terminate participating merchants; withdraw, limit, modify, or cancel any rewards; or increase the number of reward dollars required for a Cash Reward at any time without advance notice, even though such changes may affect the accrual or value of rewards.

Your Account must be open and in good standing on the closing date for the billing cycle in order to redeem Cash Rewards. All Cash Reward redemptions are final. Cash Rewards cannot be used as payment for obligations owed to U.S. Bank or its affiliates, except as allowed for the Account. There are no refunds, exchanges, replacements or conversions for currency, credit, or rewards for unused portions or rewards, unless otherwise noted.

Cash Rewards may be redeemed as a statement credit, Rewards Card, or deposit made to your U.S. Bank® savings, checking or money market account, based on your designation. The redemption value may be different if you choose to redeem your cash back for other rewards. Minimum redemption amounts may vary and are subject to change without notice.

Subject to applicable law, you may not redeem Cash Rewards, and you will immediately lose all of your Cash Rewards, if your Account is closed to future transactions (including, but not limited to, Program misuse, failure to pay, bankruptcy, or death) or you do not have any reward, purchase, or balance activity on your Account for 12 consecutive statement cycles. We reserve the right to verify and adjust Cash Rewards at any time before or after posting any redemption.

For redemptions, information about the current Program Rewards Schedule, inquiries, and updates, Cardmembers may visit the online Rewards Center available at usbank.com or the U.S. Bank mobile app or by calling the Rewards Center anytime at 888-229-8864.

You can choose to redeem Cash Rewards for Visa-branded prepaid rewards cards (“Rewards Cards”). At the time of the Rewards Card redemption, your Cash Rewards balance will be reduced by the number of Cash Rewards used to obtain the Reward Card(s). U.S. Bank will use its best reasonable efforts to issue a Rewards Card within 7-10 business days of your request. Rewards Cards lost in mail will be replaced at no cost to the Cardmember. Once received, Rewards Cards can be replaced if lost or stolen for a $15 fee. For Rewards Cards questions, please call 855-274-9934.

Rewards Cards are mailed only to the Cardmember’s account address. Rewards Cards are mailed within the United States. Rewards Cards will be personalized with the Cardmember’s name and cannot be exchanged or refunded. Rewards Cards can be used at any merchant that accepts Visa debit cards.

You can choose to redeem Cash Rewards in the form of a deposit as a statement credit or to your U.S. Bank® savings, checking or money market account. Cash Reward redemptions are deducted from the Cash Rewards balance when the Cash Reward redemption is requested by a Cardmember.

Statement credits are issued via a credit to your Account by accessing the online Rewards Center available at usbank.com or the U.S. Bank mobile app. A credit will be applied to your Account within 6-8 weeks. Cash Rewards redeemed for a statement credit will reduce the account balance but will not count toward your minimum payment due.

Account deposit redemptions may be issued via an electronic ACH deposit only to your U.S. Bank® savings, checking or money market accounts. Redemptions to an eligible U.S. Bank® account will be applied within 7 business days of your redemption request.

You must enter an accurate account number for your U.S. Bank® savings, checking or money market account for your Cash Reward redemption to be processed correctly. Routing numbers entered for a Cash Reward redemption are checked against the routing number directory maintained by the Federal Reserve. If you have entered your routing number correctly and it is not accepted by the Rewards Center, please contact your financial institution to verify the number. If your routing number still is not accepted, please call the Rewards Center at 888-229-8864. U.S. Bank is not responsible for incorrectly entered banking information.

With Real-Time Rewards, you may instantly redeem Cash Rewards for your credit card Purchases via text messaging. The Cash Rewards redemption comes in the form of a credit to your monthly billing statement. Cash Rewards will be deducted from your balance and a credit for the Purchase amount will be applied to your Account billing statement when you request redemption. For transactions which include a gratuity, fees, or estimated taxes, the statement credit may not equal your final Purchase amount. Automatically billed transactions will be part of Real-Time Rewards text messages if the Purchase falls within your preference selections. Real-Time Rewards text messages are available only for transactions with U.S. merchants. You may sign up for Real-Time Rewards using your 10-digit U.S. mobile number. Only one mobile number may be used per Account. If any changes are made to your Account that will affect the card number, Account ownership or your rewards program, you will need to re-enroll in Real-Time Rewards. Message and data rates may apply. The short code REDEEM (733336) is used by Real-Time Rewards to send redemption requests. Message frequency is based upon the preferences you select and the Purchases you make on your Account. Text ‘HELP’ to REDEEM (733336) for Help. Text ‘STOP’ to REDEEM (733336) to cancel your participation in Real-Time Rewards. All cancellations completed via text message will remove that mobile number from all accounts registered for Real-Time Rewards. Please visit: https://rtr.myrewardsaccess.com for a full listing of the Mobile Terms and Conditions. For inquiries, to sign up to receive text alerts, to update your preferences or to cancel your enrollment, please visit the online Rewards Center available at usbank.com or the U.S. Bank mobile app or call the Rewards Center at 888-229-8864.

You will not receive Real-Time Rewards text messages until you confirm your enrollment and preferences. You will receive a Real-Time Rewards request text message if your credit card Purchase falls within the criteria you have set up in your Real-Time Rewards preferences. You must have enough cash rewards to cover the entire purchase in order to receive a text message to redeem. Merchants who accept Visa cards are assigned a merchant code based on the kinds of products and services they sell. U.S. Bank does not control how Purchases are processed by merchants or the merchant codes they use; therefore, U.S. Bank cannot guarantee that a specific transaction will qualify. You may redeem by replying ‘REDEEM’ within 24 hours of when the message was sent. You may only redeem the most recent Real-Time Rewards text message. Upon confirmation of a redemption request, Cash Rewards will be deducted from your balance immediately, and a credit to your statement will be processed within 3 business days and will appear on your next billing statement. The Account statement credit for a Real-Time Rewards redemption will reduce the Account balance but will not count toward the minimum payment due. All redemptions are final. If you return the item or service that you redeemed Cash Rewards for to the merchant, the Cash Rewards will not be reinstated, but you may receive a credit to your Account (in accordance with the merchant’s return policy).

In addition to other disclaimers set forth in these Program Rules, third party vendors and U.S. Bank make no guarantees, warranties or representations of any kind, expressed or implied, with respect to the goods or services offered by any participating merchant; and shall not be liable for any loss, expense, accident, injury or inconvenience that may arise in the connection with the use of such rewards, or as a result of any defect in or failure of such rewards. Third party vendors and U.S. Bank specifically disclaim any defect in or failure of such rewards. Third party vendors and U.S. Bank specifically disclaim any implied warranties of merchantability or fitness for a particular purpose.

We reserve the right to change or cancel the U.S. Bank Shield Rewards Program and these Program Rules at any time, with or without notice to you. The most current and complete Program Rules are available in the Rewards Center through usbank.com or the U.S. Bank mobile app or by calling the Cardmember Service number located on the back of your card.  To the extent that any reward program information in other materials conflict with the Program Rules in the Rewards Center, the Program Rules in the Rewards Center will control.