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U.S. Bank
Make a Smart Move and Save with This
Great Balance Transfer Offer.1 Plus, Earn
2,000 FlexPoints! †
Transfer a balance now to take advantage of your special rate offer.
• Pay off higher-APR cards
• Consolidate debt
Enter offer code
`TRACKING_CODE` on the request page to take advantage of this great offer.
Transfer A Balance Now.
Re: Your account ending in `ACCT_L4`
Dear `FIRST_NAME` `LAST_NAME`,
It’s smart to save. With your U.S. Bank FlexPerks® Travel Rewards Account, you can take advantage of this special `OFFER_APR`% Promotional APR through your `TERM_EXP_DTE` billing cycle to consolidate your higher-rate balances from gas and store cards, credit cards and personal loans. After that, you will be charged your variable purchase APR, currently `CURRENT_APR`%.
Plus, when you transfer one balance of $1,000 or more, you’ll automatically receive 2,000 FlexPoints.
Pay down your higher-rate balances and use the savings for home improvements, travel or just something special for yourself. Your savings, your choice!
This special rate offer ends `REPLY_BY_DATE`. For more information about your account or transferring a balance, call Cardmember Service at 877-978-7446.
†A balance needs to be written and offered for payment for $1,000 or more by `REPLY_BY_DATE`, to receive FlexPoints. FlexPoints will be credited to your Account six to ten weeks after the offer expiration date. There is a maximum of 2,000 FlexPoints per Account holder.
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P.S.

Don’t wait! Take advantage of this offer now. Once you log in to your account, you will need to enter offer code `TRACKING_CODE`.
 
All of us serving you(R)
`TRACKING_CODE`
Interest and Fee Information

APR for Promotional Offer `OFFER_APR`% (Promotional APR through your `TERM_EXP_DTE` billing cycle). After that, you will be charged the APR for Purchases, currently `CURRENT_APR`%.
Use by Date You must transfer a balance by `REPLY_BY_DATE` for the promotional APR to apply. If you transfer a balance after that date, we may still honor the transaction, but you will not receive the promotional APR. Instead, the standard APR for Purchases will apply.
Fee Either 4% of the amount of each transaction or $5 minimum, whichever is greater.
Paying Interest We will begin charging interest on the transaction date.

1We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association ND and its affiliates as provided under the Cardmember Agreement and applicable law. Promotional rate does not apply to Purchases, Cash Advances or Balance Transfers not made in response to this Promotional offer. If you transfer a balance without the offer code provided (i.e., entering only the routing and transit number), or if you use an invalid offer code, the balance transfer transaction, plus applicable interest and fees, will post at your account’s standard Cash Advance Rate as specified in the Cardmember Agreement. We apply your minimum payment to balances with lower APRs first. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. U.S. Bank National Association ND may return your balance transfer unpaid if the amount of credit available on your Account is less than the amount on the balance transfer plus transaction fees or if you have failed to make minimum monthly payments by the payment due date. If your balance transfer is paid, and the balance transfer amount including fees exceeds your available credit limit, overlimit fees may be assessed in accordance with your Cardmember Agreement. Please see your Cardmember Agreement for more information. The merchant, financial institution or creditor to which you present your balance transfer may also assess return payment fees if the balance transfer is returned unpaid. Balance transfers may not be written to U.S. Bank or Cardmember Service. Balance Transfers other than those made with this special offer code of `TRACKING_CODE`, for $1,000 or more by the expiration date, do not earn rewards. The above disclosures are the complete terms of this promotional discount offer. Rates are accurate as of `APR_AS_OF_DATE`.

The creditor and issuer of your U.S. Bank Visa Credit Card is U.S. Bank National Association ND, pursuant to a license from Visa U.S.A Inc.

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U.S. Bank, EP-MN-L20D, 200 South 6th Street, Minneapolis, MN 55402

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