Feel the Freedom of Cash Back

Redeem rewards anytime with as little as $20 earned. Simply log in to U.S. Bank Internet Banking and select "Rewards Center".

Add Statement Credit to Your Account

Put the cash you earn back into your account. Redeem your FlexPoints for statement credit. Just select "Cash Back" at the FlexPerks Rewards Center.

Statement Credit Examples

Redemption options continue beyond $200 in $50 increments. Allow 8 to 10 weeks after redemption for the credit to appear in your account.

Redeem FlexPoints for Merchandise

Gift card availability, denominations and FlexPoints requirements vary by company. View the current selection at the FlexPerks Rewards Center. Simply log in to Internet Banking, and choose "Rewards Center" on the left menu.

• Apple^®
• Sony^®
• North Face^®
• Bose^®
• Oakley^®
• Canon^®
• Dell^®
• Dyson^®
• And More

There's always a wide range of merchandise, and the selection changes frequently. Visit the FlexPerks Rewards Center often to see what's new.

Earn Gift Cards

Redeem FlexPoints for gift cards to buy clothing, electronics, household goods and more. Choose from leading retailers, including:

• Amazon.com^®
• Best Buy^®
• Borders^® and Waldenbooks^®
• Charity Choice
• Gap
• The Home Depot^®
• Land's End^®
• L.L. Bean
• Macy's
• Office Depot^®
• Pottery Barn^®
• Saks Fifth Avenue
• Sears
• Starbucks Coffee
• And More

Gift card availability, denominations and FlexPoint requirements vary by company. View the current selection at the FlexPerks Rewards Center. Simply log in to Internet Banking, and choose "Rewards Center" on the left menu.

Go Further With Travel Rewards

FlexPerks Visa award travel redemption is powered by Travelocity^® and offers an easy search and booking process based on date, destination and airline. With more than 150 airlines, you'll find many more flight and carrier options than you would on a single airline Web site.

You can even earn frequent flyer miles/points for your FlexPerks Visa award travel when you fly participating airlines. Just enter your airline frequent flyer number when requested as you book your flight.

Use Rewards for Flights

Search for Award Flights
Award travel redemption is easy! Just enter your departure and destination cities and travel dates in the Travelocity search window.

Get Flight Results
When your search is complete, available flights are displayed along with the number of FlexPoints needed to redeem a round-trip ticket. You can sort the results by airline, schedule, number of stops, points required and more. Standard airline taxes and fees are included in your redemption, so there are no surprises.

Finalize Your Flight
The dollar value of your award travel ticket is shown before you commit to redeem your FlexPoints, so you can ensure you're getting the best value for your FlexPoints.

To redeem your award travel by phone, call 888-229-8864 between 8 a.m. and 11 p.m. (CST) Monday through Friday and 8 a.m. to 9 p.m. (CST) Saturday and Sunday.

Air Travel Award Ticket Redemption Examples

Use Rewards for Hotels, Car Rentals and Cruises

Redeem FlexPoints for other travel rewards with elite companies.

• Hotels include Hyatt Hotels & Resorts^®, Marriott^® Hotels and The Ritz-Carlton^®
• Car rentals include Avis^®, Budget^® and Hertz
• Cruise lines include Carnival Cruise Lines^® and Royal Caribbean International^®.

Hotel, Car Rental and Cruise Redemption Examples

Gift certificate availability, denominations and restrictions vary by company. View the current selection at the FlexPerks Rewards Center. Simply log in to Internet Banking, and choose "Rewards Center" on the left menu.

FlexPerks Reward Disclosures

Redeeming FlexPoints for Rewards
Available Airline Rewards, Gift Certificate Rewards, Merchandise Rewards and any other Program Rewards as well as the number of FlexPoints needed to obtain each reward are available to cardmembers at the FlexPerks Rewards Center or by phone at 888-229-8864. U.S. Bank and/or Maritz may change or terminate participating merchants, withdraw, limit, modify, or cancel any rewards, add an unlimited number of blackout dates, or increase the number of FlexPoints required for any reward at any time without advance notice, even though such changes may affect the accrual or value of FlexPoints or rewards.

FlexPerks Travel Rewards Visa Signature cardmembers may redeem FlexPoints for rewards only if the outstanding balance of their account is below the revolve limit. All FlexPerks Visa cardmembers may redeem FlexPoints for rewards if their account is open and in good standing. We reserve the right to verify and adjust FlexPoints at any time before or after posting any redemption. Once you or we close your account for any reason, all accumulated FlexPoints may be forfeited.

FlexPoints will expire five years from the end of the calendar quarter in which they were earned. FlexPoints are redeemed or expire in the order in which they were earned and awarded to the account. All FlexPoint redemptions are final.

For redemptions, information about the current Program Rewards Schedule, inquiries, and updates, cardmembers may visit the FlexPerks Rewards Center anytime or call 888-229-8864 between 8:00 am and 11:00 pm (CST) Monday through Friday and 8:00 am to 9:00 pm (CST) Saturday and Sunday.

Air Travel Rewards
All reservations must be booked online through the FlexPerks Rewards Center or by phone with Quality Reward Travel at 888-229-8864. FlexPoints may be used to purchase travel rewards. Airline ticket value, which includes taxes and destination charges, will be based on the current Program Rewards Schedule.

Air Travel Award Ticket Redemption Examples

Internet Reservations
For online award travel ticket reservations, you may use the Travelocity engine at the FlexPerks Rewards Center to redeem FlexPoints earned in the Program for booking award tickets. FlexPoints for award travel tickets are considered fully redeemed when an airline issues a confirmation number for an e-ticket, paper ticket or voucher.

Award Travel Tickets can be issued in any individual's name, but FlexPoints used for the purchase must be redeemed by an authorized cardmember on the account. Tickets will be emailed to the trip contact provided when booking the ticket. Choice of carriers and traveling dates are at the cardmember's discretion and subject to availability. Note: Reservations on carriers with records of unreliable service, or other indications of unreliability, may not be available.

If an airline does not offer e-ticketing or if you request a paper ticket, there will be a minimum shipping fee assessed of $29.95 per transaction. Lost, stolen, or otherwise destroyed tickets or documents may not be reusable or replaceable. See Travelocity's Fare Rules terms and conditions for change, cancellation and refund policies. View full terms and conditions for Internet reservations.

U.S. Bank, Maritz Loyalty Marketing, Travelocity and Quality Reward Travel shall not be liable for any bodily and/or property damage that may result from your participation in the Program, or the performance by the airlines of the ticketed transportation; do not guarantee the availability of any flight on any airline or seats on any such flights; do not endorse, guarantee or warrant the goods and services offered by any airline. Tickets are subject to the applicable airline rules and restrictions.

Phone Reservations
For redemptions using Quality Reward Travel: You may redeem FlexPoints earned in the Program only for a round-trip, scheduled ticket on any ARC (Airline Reporting Corporation) approved carrier as designated by Quality Reward Travel. Airline tickets will be non-refundable and non-transferable. Charter flights and consolidator fares are not eligible. Round-trip tickets must originate in the United States. To book an airline reservation, please call 888-229-8864 between 8:00 am and 11:00 pm (CST) Monday through Friday and 8:00 am to 9:00 pm (CST) Saturday and Sunday.

FlexPoints for award travel tickets are considered fully redeemed when an airline issues a confirmation number for an e-ticket, paper ticket, or voucher. Lost, stolen, or otherwise destroyed tickets or documents are not reusable or replaceable. A minimum of $135 per ticket fee will apply for changing/cancelling/reissuing a domestic travel reservation. A minimum $235 per ticket fee will apply for changing/cancelling/reissuing an international travel reservation.

All tickets will be issued as e-tickets unless e-tickets are not available. E-ticket confirmation can be accessed via the Internet. If the Internet is not available, e-ticket confirmation will be sent via fax or regular mail. If paper tickets are requested when e-tickets are available, a minimum $50 per ticket service fee will apply. A minimum $15 shipping/handling fee will apply for all paper tickets. Shipping/handling for tickets mailed outside of the 48 United States may be charged at a higher fee. To pay any additional fees, a credit card payment will be required at the time of booking.

Award Travel Tickets can be issued in any individual's name, but FlexPoints used for the purchase must be redeemed by an authorized cardmember on the account. Tickets will be available electronically, unless tickets are mailed, in which case they will be sent to the cardmember's billing address. Choice of carriers and traveling dates are at the cardmember's discretion, subject to availability. Note: Reservations on carriers with records of unreliable service, or other indications of unreliability, may not be available.

Companion tickets not redeemed with FlexPoints will be subject to all Quality Reward Travel issuance fees and restrictions. Cardmember must confirm flight reservations 24 hours prior to departure. Ticketholder must have proper identification for airport check-in. Tickets must be issued at the same time of booking. Tickets can not be redeemed for cash and have no cash value.

Hotel, Car Rental and Cruise Rewards/Gift Cards
You may redeem FlexPoints earned in the Program for gift certificates or gift cards. Gift certificates and gift cards are non-reloadable. Mechanical reproductions, copies, or facsimiles of gift certificates or gift cards will not be accepted. Additional terms and conditions appearing on the gift certificate/card shall apply to the use of the gift certificate or gift card.

FlexPoints for gift certificate or gift card rewards are redeemed when gift certificates or gift cards are requested by a cardmember. At the time of the gift certificate or gift card redemption, Maritz Loyalty Marketing will deduct the number of FlexPoints needed for that item from your FlexPoint balance. Maritz Loyalty Marketing will use its best reasonable efforts to issue a gift certificate or gift card within 7 to 10 business days of your request. Lost, stolen, destroyed or expired gift certificates or gift cards may not be reissued or replaced. Maritz Loyalty Marketing is not responsible for rewards or correspondence lost or delayed due to U.S. Mail delivery.

Gift certificate or gift card rewards will be mailed only to the cardmember's billing address. Gift certificates or gift cards will not be personalized and are transferable and may be redeemed by any person. Gift certificates or gift cards must be presented to participating merchants for use. Gift certificates or gift cards are valid when issued. We have no control over merchant acceptance of a gift certificate or gift card that is issued as a reward. Gift certificates or gift cards are not exchangeable, refundable, or redeemable for cash and cannot be replaced if lost or stolen.

The listed merchants are in no way affiliated with U.S. Bank nor are the listed merchants considered sponsors or co-sponsors of this program. Use of merchant names and/or logos are by permission of each respective merchant and all trademarks are the property of their respective owners. Terms and conditions are applied to gift cards/certificates. Please see the merchant's gift card/certificate/Web site for additional terms and conditions, which are subject to change at merchant's sole discretion, if permitted by law.

Amazon.com is not a sponsor of this promotion. Amazon, Amazon.com, and the Amazon.com logo are trademarks of Amazon.com, Inc. or its affiliates. Amazon.com Gift Cards ("GCs") may be used only to purchase eligible goods on Amazon.com or its affiliated Web site Endless.com. GCs cannot be redeemed for purchases of gift certificates or cards, or for items from some third party sellers. GCs cannot be reloaded, resold, transferred for value, redeemed for cash, or applied to any other account. For complete GC terms and conditions, see amazon.com. GCs are issued and ^® 2009 by ACI Gift Cards, Inc., a Washington company.

Avis services will be based upon the regular Avis rates in effect at the time and location where you present the rental certificate. Renter must meet Avis age, driver and credit requirements. Certificates must be surrendered at time of rental check-out. Other terms and conditions, which are listed on the certificate, may apply. Please read the certificate upon receipt. For reservations, visit www.avis.com or call 800-331-1212 in the United States. Avis Flat dollar certificates (i.e. $25, $50 or $100 Certs) are a global product available at participating locations worldwide. Contact 888-439-0632 for Avis customer service inquiries.

BEST BUY^® is not affiliated with U.S. Bank. Best Buy does not sponsor, endorse, approve or have any responsibility for this promotion. BEST BUY and the BEST BUY logo are trademarks of Best Buy Enterprise Services, Inc.

Gift card is redeemable for retail merchandise only at U.S. Borders, Waldenbooks, and Brentano's stores and online at borders.com. Not valid for any used merchandise available online. Not returnable or redeemable for cash except where required by law. Lost, stolen, or damaged gift cards may be canceled and replaced with a new gift card in the amount of the then-remaining balance upon proof as required by Borders, Waldenbooks, or Brentano's. ^®2009 Borders Properties, Inc. FOR BALANCE INQUIRIES, CALL 877-728-4000. FOR STORE LOCATIONS AND CUSTOMER CARE, CALL 888-81-BOOKS(26657).

Budget services will be based upon the regular Budget rates in effect at the time and location where you present the rental certificate. Renter must meet Budget age, driver and credit requirements. Other terms and conditions, which are listed on the certificate, may apply. Please read the certificate upon receipt. For reservations, visit www.budget.com or call 800-527-0700 in the U.S. Budget Flat dollar certificates (i.e. $25, $50 or $100 Certs) are a global product and available at participating locations worldwide. Contact 800-826-3409 for Budget customer service inquiries.

Gap giftcards can be used at all Gap locations and online at Gap.com. Only 2 giftcards are redeemable per online transaction. Gap giftcards are redeemable for merchandise only and cannot be replaced if lost or stolen. For questions regarding Gap giftcards, please call 800-GAP-STYLE. If fulfilling with an Option's giftcard use the following disclaimer: Options giftcards can be used at all Gap, Banana Republic, and Old Navy locations and online at Gap.com, BananaRepublic.com, OldNavy.com and Piperlime.com. Only 2 giftcards are redeemable per online transaction. Options giftcards are redeemable for merchandise only and cannot be replaced if lost or stolen. For questions regarding Options giftcards, please call 888-427-1111.

Call Hertz at 800-654-2210 to check participating locations and make advance reservations. Renter must meet Hertz age, driver and credit qualifications in effect at time and place of rental. Please refer to voucher for additional terms and conditions. Hertz is not a sponsor of this promotion.

U.S. Bank is not affiliated with L.L.Bean. L.L.Bean is not a sponsor or co-sponsor of this promotion. Please see back of gift card for terms and conditions of use. L.L.Bean is not liable for any claims related to this offer. L.L.Bean Gift Cards never expire and can be redeemed online at llbean.com, in retail stores or by calling 800-221-4221.

Pottery Barn^® is a registered trademark of Williams-Sonoma, Inc. Pottery Barn is not affiliated with U.S. Bank nor a sponsor of this promotion. Pottery Barn gift cards can be redeemed for purchases at Pottery Barn stores, catalogs, or online at www.potterybarn.com.

Sears Holdings Management, Inc. participation is not an in-store offer and is not a sponsor of this promotion. Fulfillment of gift cards will be done through Maritz Inc. Gift cards are subject to all terms and conditions printed on the gift cards and are subject to change at Sears Holdings Management Corporation's discretion.

Starbucks, the Starbucks logo and the Starbucks Card design are either trademarks or registered trademarks of Starbucks U.S. Brands, LLC. Starbucks is not a participating partner in or sponsor of this offer.

The Home Depot^® is not a sponsor of this promotion. U.S. Bank is not affiliated with The Home Depot^®. The Home Depot^® is a registered trademark of Homer TLC, Inc.

The Ritz-Carlton is not a sponsor of this promotion. The Ritz-Carlton name and logo is a registered trademark of The Ritz-Carlton Hotel Company, L.L.C.

Merchandise Rewards
You may redeem FlexPoints earned in the Program for merchandise available through participating merchants under the then-current Program Rewards offering located at the FlexPerks Rewards Center. You may not use cash or anything other than FlexPoints earned with your account to acquire merchandise through the Program. All items are subject to availability; most orders will ship within 4 to 6 weeks from the date of redemption. All substitution offers at the time of redemption will be of equal or greater value.

FlexPoints for merchandise rewards are redeemed when merchandise is requested by cardmembers. All FlexPoint deductions will be made at the time of redemption. Returns on merchandise rewards are only accepted for merchandise that is damaged, defective or mis-shipped. Returns will be honored for equal exchanges. Merchandise returns should be returned to the merchant or other issuer(s) of the merchandise or as otherwise directed. U.S. Bank will not be responsible for handling returned merchandise. No FlexPoint credits will be accepted or issued. The manufacturer's warranty, if any, applies to all items offered. Merchandise may only be shipped to a street address within the United States; however, APO, FPO, and P.O. Boxes are not included. Due to weight restrictions some items may not be available to be shipped to Alaska and Hawaii. Only standard shipping is available for merchandise rewards. No express delivery.

Statement Credit
Statement credit is issued via a credit to your account by accessing the FlexPerks Rewards Center when logged on to usbank.com. A credit will be applied to your account within one or two billing cycles.

Participation in the U.S. Bank FlexPerks Visa Program (the "Program") is restricted to U.S. residents who are 18 years of age or older ("cardmember", "you ", and "your") and in whose name U.S. Bank National Association ND ("U.S. Bank", "we", "us" and "our") maintains a FlexPerks Visa card account (an "account"). Airline tickets, gift certificates, merchandise and other benefits offered from time to time, under a Program Rewards Schedule, are the "rewards" you may obtain by redeeming the FlexPoints you have earned in the Program. Additional terms and conditions for the Program can be found in the Benefits Brochure provided to you in your welcome kit or at flexperks.com. Program administrative services are provided by Maritz Loyalty Marketing and travel agency services are provided by Travelocity^® and Quality Reward Travel.

The FlexPerks Visa program is not affiliated with, sponsored or endorsed by Northwest Airlines^®, Delta Air Lines or the WorldPerks program.