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Points
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Restaurants / Dining | 4× | $2,000/quarter in newer listings — older terms were uncapped; verify | Takeout and delivery included |
| Groceries | 2× | — | Excludes discount / supercenter / wholesale |
| Gas Stations & EV Charging | 2× | — | — |
| Streaming | 2× | — | — |
20,000 points
Points
20,000 points after $1,000 in purchases within 90 days.
Uses the workbook’s 1¢ per point assumption, not a guaranteed redemption value. Excludes additional components, matches, annual fees, and the cost of meeting qualifying spend. This is not a purchase reward rate.
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
U.S. Bank velocity sensitivity
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Offer type, as listed: Public