What is the best U.S. Bank rewards card?

You can redeem your U.S. Bank Cash+™ Visa Signature® Card rewards through your online account on the U.S. Bank website, or your mobile app. You can also redeem your U.S. Bank Cash+™ Visa Signature® Card rewards by calling the Cardmember Services number on the back of your card.

Here is how to redeem your U.S. Bank Cash+™ Visa Signature® Card rewards:… read full answer

1. Log in to your online account.
2. Select "My Accounts" at the top of the page.
3. Choose "Redeem Rewards & Access Card Benefits"
4. Choose your desired redemption option and follow the prompts to complete your request.

Here are your U.S. Bank Cash+™ Visa Signature® Card rewards redemption options:

• Cash back: You can simply have your cash back rewards deposited into your U.S. Bank deposit account (savings, checking or money market accounts). This option requires redeeming at least $25.
• Statement credit: Your cash back rewards can be applied to reduce your balance, but will not count toward your minimum payment. This option requires redeeming at least $25.
• U.S. Bank Rewards Card: You can also redeem your rewards as a prepaid U.S. Bank Rewards Card. This option requires redeeming at least $25 ($5 increments thereafter).
• Real-Time rewards: You can enroll in Real-Time rewards to use your cash back rewards as you make your eligible purchases. There's a $10 minimum redemption for Real-Time Rewards.

Don't forget that the U.S. Bank Cash+™ Visa Signature® Card rewards expire 36 months after the billing cycle in which they were earned.

Foreign transaction fees are the main thing separating the best rewards credit cards for U.S. use from the best rewards cards for international travel. Avoiding them is crucial if you’re headed abroad or planning to make purchases from international merchants. But you don’t need to worry about them if not. Other than that, the process of finding the right rewards card is the same. You need to check your latest credit score to see what kind of card you can qualify for. You need to consider what types of purchases you’ll be using the card for and roughly how much you’ll spend. And you need to think about what type of rewards you want to earn – miles, points or cash back – as well as how you’d like to redeem them. To help get you started, WalletHub’s editors compared hundreds of offers in search of the top rewards cards in the most popular categories.… read full answer

Here are the best credit cards for rewards in the U.S.:

• Initial Bonus: Chase Sapphire Preferred® Card
• Travel Rewards: Capital One Venture Rewards Credit Card
• Cash Back: Citi® Double Cash Card – 18 month BT offer
• Fair Credit: Capital One QuicksilverOne Cash Rewards Credit Card
• Bad Credit: Discover it® Secured Credit Card
• Students: Journey Student Rewards from Capital One
• Small Business: Capital One® Spark® Cash for Business

To learn more, check out WalletHub’s complete review of 2021’s best rewards credit cards.

U.S. Bank points are worth 1.3 cents per point, on average. The value of U.S. Bank points depends on how you choose to redeem the points. For example, points from U.S. Bank are worth up to 1.5 cents each when redeemed for travel through the FlexPerks Rewards program, and they are worth 1 cent each when redeemed for cash back.… read full answer

U.S. Bank Points Value by Redemption Method

U.S. Bank Credit Cards

• U.S. Bank FlexPerks® Gold American Express® Card
• U.S. Bank Altitude Reserve Visa Infinite® Card

Tips for Maximizing the Value of U.S. Bank Points

Redeem Points for Travel.

U.S. Bank points are worth the most when redeemed for travel.

Redeem U.S. Bank points regularly.

U.S. Bank points do not expire due to account inactivity, but stockpiling points does put you at risk of rewards devaluation. Plus, you won't get to enjoy the fruits of your spending if you don't redeem.

Keep your account in good standing.

If U.S. Bank closes your account because of a failure to pay the bill or fraudulent activity, you'll lose any unredeemed points you have saved.

Redeem before closing your account.

Any points you don't redeem before closing your account will be lost.