No monthly fee if you spend at least $2,000 in your statement period 4. Interest rate on purchases: 20.24% p.a.Points Boost: Earn up to 2 Bonus Points or 0.8 Qantas Points per $1 spent on your highest eligible purchase made in a statement period up to 1,000 Bonus points 3.Earn up to 1.5 Awards points or 0.6 Qantas points per $1 spent, up to $5,000 in a statement period 3.Points expire five years from the end of the quarter in which they are earned. Points may be redeemed for cash back in the form of a statement credit or deposit to a U.S. You may not redeem points, and you will immediately lose all of your points, if your account is closed to future transactions (including, but not limited to, due to program misuse, failure to pay, bankruptcy, or death). You may simply see "Cash Back" or "Back" in marketing materials when referring to the rewards you earn. Cash Back Rewards are tracked as Points and each point earned is equal to $0.01 when redeemed. "Cash Back Rewards" are the rewards you earn under the program. Not all transactions are eligible to earn rewards, such as advances, balance transfers and convenience checks. Net purchases are purchases minus credits or returns. Rewards are earned on eligible net purchases. The Rewards Program is subject to change. Please see Cardmember Agreement that comes with your Card for more details. Please visit /leveragecategories to see the full list of eligible merchant categories. If your company is set up with individual billing, the AO may only select Purchases made on their own card account. If your company’s card program is set up with central billing, the AO may select ExtendPay-eligible Purchases when viewing the central billing account (which includes Purchases made on employee cards). All references to “you” and “your” apply to the AO. Only your company’s Authorized Officer (AO) may enroll in an U.S. Bank ExtendPay ® Plans, which allow you to pay off balances in fixed monthly payments over time and still avoid paying interest charges on new Purchases. ** From time to time we may offer to you the benefit of our U.S. ExtendPay Fees are calculated based upon the original principal amount, Purchase APR, and other factors. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay Fees: A monthly fee not to exceed 1.6% of the original principal amount in an ExtendPay Plan or ExtendPay Loan. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law. We may change APRs, fees and other Account terms in the future based on your experience with U.S. Any amount over your Minimum Payment is applied to non-Fixed Payment Program balances in the order of lowest to highest APR before applying to Fixed Payment Program balances. Bank ExtendPay ® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. 0% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. Foreign Transaction fee: 0% of each foreign purchase transaction or foreign ATM advance transaction in U.S. The annual fee is $0 introductory annual fee for the first 12 months, after that $95. There is a $1 minimum interest charge where interest is due. Balance Transfer fee: 5% of each transfer amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Convenience Check fee: 5% of each check amount, $5 minimum. Cash Advance fee: 5% of each advance amount, $10 minimum. *The variable APR for Purchases and Balance Transfers is $ (based on your creditworthiness). Find a financial advisor or wealth specialist.
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