The quarterly 5% cash back on rotating categories (on up to $1,500 in combined spending). You must activate the bonus each quarter, and if you fail to do so, you lose the opportunity to earn the higher rate for that quarter's category. The benefit resets every three months.
Cash Back
Earn 4% back in Bilt Cash on everyday (non-housing) purchases.
Cash Back
Earn 0.25% cash back on all other eligible purchases.
Cash Back
Earn 2% cash back on all purchases from Costco and Costco.com.
Cash Back
Earn 3% cash back on restaurants and eligible travel worldwide.
Cash Back
Earn up to 4% total cash back based on U.S. Bank Smartly Savings balance: 2.5% ($5k-$49k), 3% ($50k-$99k), 4% ($100k+).