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Your California privacy choices

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Privacy Cobrowse Your California privacy choices

U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our PRIVACY POLICY for how we treat your data.

1. The APR may vary, and the current variable APR for Purchases and Balance Transfers is 18.74% - 28.74% (based on your creditworthiness). The variable APR for Cash Advances is 31.24%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $0 introductory annual fee for the first 12 months, after that $95. Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay^® Fees: A monthly fee not to exceed 1.6% of the original principal amount in an U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay^® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. U.S. Bank ExtendPay^® Fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay^® Plans and U.S. Bank ExtendPay^® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.

2. Late payments and going over the credit limit may damage your credit history.

3. The APR may vary, and the variable APR for purchases and balance transfers is 18.99% - 25.99% (based on your creditworthiness). The variable APR for cash advances is 31.24%. Cash advance fee: 5% of each advance amount, $10 minimum. Convenience check fee: 3% of each check amount, $5 minimum. Cash equivalent fee: 5% of each cash amount, $10 minimum. Balance transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $195 every year for the account owner. Foreign transaction fee: 0% of each foreign purchase transaction or foreign ATM advance transaction in U.S. dollars. 0% for each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay^® Fees: A monthly fee not to exceed 1.6% of the original principal amount in an U.S. Bank ExtendPay^® Plan or U.S. Bank ExtendPay^® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay^® Fees are calculated based upon the original principal amount, Purchase APR, and other factors. The rate will end early and increase to the APR for Purchases and Balance Transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay^® Plans and ExtendPay^® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to non-Fixed Payment Program balances in the order of lowest to highest APR before applying to Fixed Payment Program balances.

4. The APR may vary, and the variable APR for purchases and balance transfers is 18.99% - 25.99% (based on your creditworthiness). The variable APR for cash advances is 31.24%. Cash advance fee: 5% of each advance amount, $10 minimum. Convenience check fee: 3% of each check amount, $5 minimum. Cash equivalent fee: 5% of each cash amount, $10 minimum. Balance transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. There is a $0 introductory annual fee, after that a $95 annual fee will apply. Foreign transaction fee: 0% of each foreign purchase transaction or foreign ATM advance transaction in U.S. dollars. 0% for each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay^® Fees: A monthly fee not to exceed 1.6% of the original principal amount in an U.S. Bank ExtendPay^® Plan or ExtendPay^® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. U.S. Bank ExtendPay^® Fees are calculated based upon the original principal amount, Purchase APR, and other factors. The rate will end early and increase to the APR for Purchases and Balance Transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay^® Plans and ExtendPay^® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to non-Fixed Payment Program balances in the order of lowest to highest APR before applying to Fixed Payment Program balances.

5. The APR may vary, and the variable APR for Purchases and Balance Transfers is 18.99% - 25.99% (based on your creditworthiness). The variable APR for cash advances is 31.24%. Cash advance fee: 5% of each advance amount, $10 minimum. Convenience check fee: 5% of each check amount, $5 minimum. Cash equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 5% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $0 for the first year and every year after it will be $95 for the account owner. Foreign transaction fee: 0% of each foreign Purchase transaction or foreign ATM advance transaction in U.S. dollars. 0% for each foreign Purchase transaction or foreign ATM advance transaction in a foreign currency. The rate will end early and increase to the APR for Purchases and Balance Transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. U.S. Bank ExtendPay^® Fees: A monthly fee not to exceed 1.6% of the original principal amount in an U.S. Bank ExtendPay^® Plan or U.S. Bank ExtendPay^® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay^® Fees are calculated based upon the original principal amount, Purchase APR, and other factors. The rate will end early and increase to the APR for Purchases and Balance Transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay^® Plans and ExtendPay^® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to non-Fixed Payment Program balances in the order of lowest to highest APR before applying to Fixed Payment Program balances.

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated, and the card is available to United States residents only. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

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