The creditor and issuer is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A. Inc., Mastercard International Incorporated and American Express. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. American Express is a federally registered service mark of American Express. Reward credit card accounts must be open and in good standing to earn and redeem rewards. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks. Please see the Reward Program rules and the Cardmember Agreement for full details.