Best Categories for This Card
Dining & Restaurants
5% on your top eligible spend category, up to $200,000 per year
Airfare
5% on your top eligible spend category, up to $200,000 per year
Office Supplies
5% on your top eligible spend category, up to $200,000 per year
Business Services
5% on your top eligible spend category, up to $200,000 per year
Utilities
5% on your top eligible spend category, up to $200,000 per year
Phone & Wireless
5% on your top eligible spend category, up to $200,000 per year
Entertainment
5% on your top eligible spend category, up to $200,000 per year
Shipping
5% on your top eligible spend category, up to $200,000 per year
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
| Dining & Restaurants | 5x | Capped Spending | $200,000 cap | 5.00% |
| Airfare | 5x | Capped Spending | $200,000 cap | 5.00% |
| Office Supplies | 5x | Capped Spending | $200,000 cap | 5.00% |
| Business Services | 5x | Capped Spending | $200,000 cap | 5.00% |
| Utilities | 5x | Capped Spending | $200,000 cap | 5.00% |
| Phone & Wireless | 5x | Capped Spending | $200,000 cap | 5.00% |
| Entertainment | 5x | Capped Spending | $200,000 cap | 5.00% |
| Shipping | 5x | Capped Spending | $200,000 cap | 5.00% |
Everywhere else | 2x | Ongoing | — | 2.00% |
Card details
- Network
- Visa
- Credit usually needed
- Good (about 670+)
- Last verified
- Oct 11, 2026
What does a “cap” mean?
Some bonuses only apply up to a spending limit — say 6% on the first $6,000 a year at U.S. supermarkets. Past the cap, the card earns its base rate (often 1%). Log your spend in your wallet and our answers switch to your next best card once a cap is used up.
Pairs well with
Cards that add the most on top of this one for typical U.S. spending, after their annual fees. Use your own spending →
Want more details?
Fees, benefits, and current offers change frequently. Visit U.S. Bank’s official page for the most up-to-date terms straight from the issuer.
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