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.
Up to 4X (Travel portal)
Highest rate (conditional)
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Visa Traditional
Credit Required
Good to Excellent
Benefits & Perks
Combined Protection Value
$1,100
You are not responsible for fraudulent transactions reported promptly
Get up to $600 reimbursed if your cell phone is stolen or damaged when you pay your monthly cellular bill with your card.
Reviews & Analysis
Details & Terms
| Purchase APR | 21.74%–28.74% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| Usbank Official | — | Usbank Official |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Multiple card facts | |
| Usbank Official |
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Coverage for eligible purchases against damage or theft within 90 days
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Stay aware of your credit score to help keep your finances safe. Enroll in the mobile app and online banking to view your score at anytime.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$12
Annual Fee
-$0
Net Annual Value
+$12
| Usbank Official: Apr |
| Usbank Official | Usbank Official: Apr |
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
