YOUR CARD COLLECTION
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Points
Annual fee cut $95 → $0
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× | — | — |
| Travel — Other / General | 4× | — | Direct travel, uncapped in most listings |
| Gas Stations & EV Charging | 4× | $1,000/quarter, then 1× | — |
| Restaurants / Dining | 2× | — | — |
| Streaming | 2× | — | — |
| Groceries | 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.
Down from 30,000 points in the Aug 2025–Jul 2026 run.
Offer type, as listed: Public