Quick verdict
Best for people who want maximum control over their bonus categories. Skip if you won't remember to choose categories each quarter. if you set it and forget it, you'll earn just 1% on everything — defeating the purpose. also skip if you dislike us bank's smaller ecosystem.
🎁 Welcome bonus
$200 cash back after $1,000 spend in 90 days
⚡ Rewards
| Category | Rate | Type |
|---|---|---|
| First 5% category (choose 2) | 5% | cash back |
| Second 5% category (choose 2) | 2% | cash back |
| Everything else | 1% | cash back |
Points/miles valued at 1.00¢ each (CreditStud.io estimate based on typical travel redemption).
✨ Perks
- 5% cash back on two categories you choose each quarter
- 2% cash back on one everyday category you choose each quarter
- 1% on everything else
- No annual fee
- 0% intro APR for 12 billing cycles on purchases and balance transfers
- Cell phone protection (up to $600/claim, $25 deductible)
- Covers up to 3 phones on the plan when you pay the bill with the card
🎯 Who should consider this card
✅ Best for
- People who want maximum control over their bonus categories
- Families who spend heavily on groceries, streaming, and fast food
- EV owners who want 5% back on charging
❌ Skip if
You won't remember to choose categories each quarter. If you set it and forget it, you'll earn just 1% on everything — defeating the purpose. Also skip if you dislike US Bank's smaller ecosystem.
📊 Example: Typical traveler/diner
Based on illustrative spending. Use our AF Worth It Calculator to plug in your real numbers.
📋 Application tips
Not sure if you'll qualify? Try our credit score simulator to see what rate range you might fall into.