The U.S. Bank is a personal credit card from U.S. Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 20.49%–28.49% variable after a 0% intro APR introductory rate for 12 months. Approval typically requires a credit score of 750 or higher. Signup bonus: Earn an enrollment bonus of 50,000 points worth $750 on travel after spending $4,500 in the first 90 days of account opening.. Rewards: 1 point per $1 on eligible net purchases; 10 points per $1 on prepaid car and hotel reservations in the Travel Center; 5 points per $1 on prepaid flights in the Travel Center; 3 points per $1 on mobile wallet transactions (Apple Pay, Google Wallet, Samsung Pay) on the first $5,000 each billing cycle (then 1 point); 3 points per $1 on travel category purchases; points do not expire while the account is open. Cash back: unverified. This product reports activity to your personal credit report. Application rules: • 5/12 Rule: May deny if 5+ cards opened (any issuer) in past 12 months. Business cards may be exempt. • No repeat welcome bonus if you currently have same card open. Business cards unaffected. • No known velocity limits. Limits total credit — reallocating credit may help with recon. • Personal = usually Experian/TransUnion. Business = TransUnion. • Status & Recon: (800) 947-1444 (press "1" for status). Recon: (800) 947-1444.