Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Bonus Categories benefit details — No annual fee
Base 2% back on all purchases; up to 4% with U.S. Bank relationship bonuses
Earn flat-rate cash back with bonus rates for U.S. Bank customers
Earn even more cash back when making purchases at over 1,100 online stores through the Rewards Center Earn Mall.
Earn cash back without paying an annual fee
