IMPORTANT INFORMATION: 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.Rewards points are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Accounts must be open and in good standing to earn and redeem rewards and benefits. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. See your Cardmember Agreement for details. Points will expire five years from the end of the calendar quarter in which they were earned. 1. Earn up to an additional 50,000 bonus points in the first 365 days after account opening. Accounts will earn 1 bonus point in addition to the standard amount earned for each $1 of eligible net purchases, up to 50,000 bonus points. These bonus points will be awarded on your monthly billing statement. This offer may not be combined with any other bonus offer.2. You will earn four 4 additional Points above base earn (for a total of 5 points) for every $1 in eligible Net Purchases. In order to qualify for the 4 additional points on ADA purchases, the purchases must be from designated ADA Member Advantage endorsed providers, as determined by the provider. Some restrictions apply.3. U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify.4. To earn 20,000-point bonus, eligible net purchase must be made within 90 days of account open date. Bonus will be credited to your account 6-8 weeks after the end of the promotion period.The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.©2022 U.S. Bank.ADA is a registered trademark of the American Dental Association.