YOUR CARD COLLECTION
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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 |
|---|---|---|---|
| Travel — Hotels / Cars (portal, prepaid) | 5× | — | Via the U.S. Bank Travel Center |
| Travel — Other / General | 4× | — | Direct travel |
| Gas Stations & EV Charging | 4× | $1,000/quarter in the personal version's terms — verify for business | — |
| Restaurants / Dining, Streaming, Groceries | 2× | — | — |
75,000 points
Points
75,000 bonus points if you spend $6,000 on the Account Owner's card in the first 180 days from account opening. Annual fee is $0 intro for the first year, then $95 (fee column shows $0). Employee-card spend does not count toward the bonus.
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 business rules
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Filled in the Oct 29, 2026 pass from U.S. Bank's own terms via NerdWallet (issuer details, Oct 2026).
Offer type, as listed: Public