{"id":"us-bank-cash-back-deals","name":"U.S. Bank Cash-back Deals","provider":"U.S. Bank","entitlement_type":"card-linked-offer","entitlement_type_label":"Card-linked offer","entitlement_type_context":{"definition":"A targeted merchant reward or statement credit that must be activated for an eligible payment card before a qualifying transaction.","domain":"financial-rewards","archetype":"conditional-offer","agent_instruction":"Disclose targeting, activation, eligible card, merchant, transaction, expiration, and personalization requirements."},"summary":"Most eligible U.S. Bank consumer debit and credit cards include Cash-back Deals at no separate program fee. Cardholders must activate each personalized merchant offer before buying, meet that offer's terms, and pay with an eligible card; earned cash back arrives as a statement credit within two billing cycles.","benefit":{"description":"Personalized merchant statement-credit offers across categories such as gas, groceries, dining, and retail. The cash-back amount, merchant, purchase channel, minimum spend, expiration, and repeat-use rules vary by deal and are visible after activation.","estimated_value_usd":null},"discovery":{"focus":"redeemable-value","has_estimated_dollar_value":false},"access":{"relationships":["Eligible U.S. Bank consumer debit or credit cardholder","Eligible U.S. Bank small-business credit-card account owner or employee cardholder"],"requirements":"Hold an eligible U.S. Bank debit, consumer credit, or small-business credit card; activate the specific deal in online banking or the U.S. Bank Mobile App before purchase; use a card eligible for the account in which the deal was activated; and satisfy the merchant, channel, spend, and expiration terms. Several co-branded or retail cards and the U.S. Bank Business Debit Card are excluded.","activation":"Sign in to U.S. Bank online banking or the mobile app, open Cash-back Deals, select View all deals, activate the desired offer, review its exact requirements, and then complete the qualifying purchase with an eligible card.","cost_basis":"requires-purchase","cost_basis_label":"Qualifying purchase required","cost_basis_context":{"classification":"conditional-spend","definition":"The benefit is earned only when the user makes an eligible underlying purchase.","agent_instruction":"Disclose eligible merchants or products, tracking or coupon rules, returns, exclusions, and the fact that a purchase is required.","variation_patterns":null,"does_not_mean":null},"fees":"There is no separate Cash-back Deals program fee for eligible cards, but an underlying account or card can have its own fees, interest, and terms. A qualifying purchase is required. Apple Pay, Google Pay, and Samsung Pay can work with an eligible card; PayPal does not qualify, and some third-party wallet or wireless-reader transactions may fail an offer's conditions.","personalized":true,"regions":["US"],"expires":null},"status":"verified","last_checked":"2026-08-26","verification":{"checked_at":"2026-08-26T08:25:01.000Z","outcome":"confirmed-exact","evidence_quality":"provider","checked_url":"https://www.usbank.com/online-mobile-banking/activate-your-cash-back-deals.html"},"verification_readiness":{"status":"audit-confirmed-exact","latest_outcome":"confirmed-exact","latest_checked_at":"2026-08-26T08:25:01.000Z","interpretation":"The latest official-source audit confirmed every normalized term it tested."},"claim_url":"https://www.usbank.com/online-mobile-banking/activate-your-cash-back-deals.html","action_url":"https://andrewsfreebies.com/go/entitlement/us-bank-cash-back-deals?from=api","official_action":{"allowed":true,"status":"ready","reason":"The latest official-source audit confirmed every normalized term it tested."},"source_url":"https://www.usbank.com/online-mobile-banking/activate-your-cash-back-deals.html","source":{"primary_url":"https://www.usbank.com/online-mobile-banking/activate-your-cash-back-deals.html","evidence":[{"source":"U.S. Bank current Cash-back Deals terms and eligibility","url":"https://www.usbank.com/online-mobile-banking/activate-your-cash-back-deals.html","kind":"provider","checked_at":"2026-08-26"},{"source":"U.S. Bank activation and redemption instructions","url":"https://www.usbank.com/customer-service/knowledge-base/KB0199274.html","kind":"provider","checked_at":"2026-08-26"},{"source":"U.S. Bank automatic enrollment terms","url":"https://www.usbank.com/customer-service/knowledge-base/KB0209677.html","kind":"provider","checked_at":"2026-08-26"},{"source":"U.S. Bank digital-wallet eligibility rules","url":"https://www.usbank.com/customer-service/knowledge-base/KB0204833.html","kind":"provider","checked_at":"2026-08-26"}]},"parent":null,"coverage":null,"web_url":"/benefits/us-bank-cash-back-deals","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}}