Points are earned on eligible Net Purchases. Net Purchases are Purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn Points, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, please refer to the materials received with your new card and the Program Rules in the online Rewards Center by logging in to usbank.com for additional information. Account must be open and in good standing (not past due) on the closing date of the billing cycle in order to earn and redeem Points. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. U.S. Bank Altitude Connect Visa Signature Cardmembers will earn 1 Point for every $1 in Net Purchases. In addition, you will earn 4 Points (5 Points total) for every $1 in Net Purchases spent on prepaid car and hotel reservations purchased in the online Altitude Rewards Center using your U.S. Bank Altitude Connect Card. Prepaid car and hotel reservations in the Rewards Center are not classified as a travel category merchant transaction and are not eligible to receive the additional points for that category. You will earn 3 Points (4 Points total) for every $1 in travel category purchases (such as purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies) and for purchases made with merchants classified as a gas station or electric vehicle charging station. You will earn 1 Point (2 Points total) for every $1 in restaurant, fast-food restaurant, bar, grocery store, supermarket or qualifying streaming subscription service purchases. Refer to Program Rules or usbank.com/AltitudeConnectBenefits for official list of qualifying streaming services merchants. Purchases at or delivery from discount/retail stores that sell groceries may not qualify for the grocery store or grocery delivery category. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. Refer to the Rewards Center for full details.

U.S. Bank AP Optimizer^® is a registered trademark of U.S. Bank N.A.

RTP^® is a registered trademark of The Clearing House Payments Company LLC.

An automatic statement credit of $15 per 12-month period will be applied to your U.S. Bank Altitude^® Go Secured Visa^® Card Account within 2 statement billing cycles following 11 consecutive calendar months of eligible streaming service purchases, such as Netflix, Hulu, Apple Music, if the Account is in good standing (open and able to use). Purchases qualify based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Refer to Program Rules or usbank.com/AltitudeGoBenefits for official list of qualifying streaming services merchants. We reserve the right to adjust or reverse any portion or all of any streaming services credit for unauthorized purchases or transaction credits.

Home Equity Line of Credit – Fixed Rate Option: A maximum of three active Fixed Rate Options are permitted on a Home Equity Line of Credit. Property insurance is required. Other restrictions may apply.

An automatic statement credit of $15 per 12-month period will be applied to your U.S. Bank Altitude^® Go Secured Visa^® Card Account within 2 statement billing cycles following 11 consecutive calendar months of eligible streaming service purchases, such as Netflix, Hulu, Apple Music, if the Account is in good standing (open and able to use). Purchases qualify based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Refer to Program Rules or usbank.com/AltitudeGoBenefits for official list of qualifying streaming services merchants. We reserve the right to adjust or reverse any portion or all of any streaming services credit for unauthorized purchases or transaction credits.

Visa (2018), Infrequent Travelers Analysis, Internal U.S. Bank report: unpublished.

To send and receive money in minutes with Zelle^®, you must have an eligible U.S. bank account and have a U.S. mobile number registered in your online and mobile banking profile for at least three calendar days. Transactions between enrolled consumers typically occur in minutes.