Highlights
- No annual fee, no foreign-transaction fee, and solid cash-back-style earning
- Priority Pass: four visits per card year, full access, including restaurants
- Some travel insurance; paying only the taxes can still qualify
Issuer: 🇺🇸 U.S. Bank
Network: Visa
Card type: Credit card
Annual fee: $0
No foreign-transaction fee
You earn points that cash out at 1¢ each.
Welcome offer
20,000 points (equal to $200 cash back) + 0% APR / balance transfers on the first 15 statements
- Spend $1,000 in the first 90 days
Everyday earning
5%: prepaid hotels and car rentals booked through the U.S. Bank Travel Center
4%: travel (such as purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies)
4%: gas and EV charging, capped at the first $1,000 each quarter
2%: dining, groceries, and streaming
1%: everything else
Perks & insurance
- Priority Pass airport lounges (full access, restaurants included)
Four lounge visits per card year. Register at https://prioritypass.com/usbankaltitudeconnect
- Free GigSky, 5 GB for 15 days
A free 5 GB international roaming allotment each year. Claim it at https://www.gigsky.com/visa-usb-ac
Further reading: What is GigSky? A credit-card perk: free global eSIM roaming (2026)
- TSA PreCheck or Global Entry
$100 statement credit every four years
- All Visa Signature benefits
Travel-related insurance
- Trip cancellation and interruption, TRIP CANCELLATION AND INTERRUPTION
Trip Cancellation and Interruption benefits pay up to two thousand dollars ($2,000.00) per Insured Person for the non- refundable Common Carrier ticket(s) that You paid for with Your covered Account and/or rewards programs associated with Your covered Account. You, Your spouse (or Domestic Partner) and Your Dependent Children are eligible for coverage if You charge the entire cost of the Trip using Your Account, less redeemable certificates, vouchers, or coupons, or rewards program associated with Your covered Account
- Travel accident, TRAVEL ACCIDENT BENEFIT
As a cardholder, You, Your spouse (or Domestic Partner), and unmarried Dependent Children will be automatically insured up to one thousand dollars ($1,000) for Accidental Loss of life, limb, sight, speech, or hearing.
- Trip delay, TRIP DELAY REIMBURSEMENT
Trip Delay Reimbursement covers up to a maximum of three hundred ($300.00) dollars for each purchased ticket, for reasonable additional expenses incurred when a Covered Trip You purchased with Your eligible Account and/or rewards program associated with Your covered Account is delayed for more than twelve (12) hours. The benefit is limited to one claim per Covered Trip. To be eligible for this coverage, You need to purchase either a portion or the entire cost of Your Common Carrier fare using Your Account.
