It's 1% on everything except for cash advances and balance transfers.

US Bank isn't hyper on fraud protection, either. I was using an LLBean card, and every time I would travel they would cut off my card (at least since Bank of America took over from MBNA). I gave them my cell number so they could call to verify, but since they couldn't use it for telemarketing, they wouldn't call it for fraud alerts either. It didn't take many times of being stranded for me to stop using that one all the time.

Plus, I should be getting a good dividend next year