¹To earn first use bonus, eligible net purchase must be made within 90 days of account open date. Account must be open and in good standing to earn and redeem rewards and benefits. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information. You may not redeem Rewards Points, and you will immediately lose all of your Rewards Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Rewards points expire (5) years from the end of the calendar quarter during which they were earned. Bonus will be credited to your account 6-8 weeks after the end of the promotion period.

²The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 30 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary and as of 11/1/19, the undiscounted variable APR for Purchases and Balance Transfers is 11.49%-23.49% based on your creditworthiness. The variable APR for Cash Advances is 25.49%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: None. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

³Reward points are earned with your ADA Visa credit card.  U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. In order to qualify for additional points, the purchases must be from designated ADA providers, as determined by the provider.

⁴The $125,000 spend must be on eligible net purchases and it is per calendar year. Bonus will be credited to your account 6-8 weeks after the end of the promotion period.