More banks are pairing up with third-party vendors to offer discounts to cardholders based on their spending patterns. U.S. Bancorp is the latest to announce such a program, which is a potential source of revenue. "It gives another reason for them to want to use their U.S. Bank check card, and that gets us to be more top of wallet," said Mike Shepard, senior vice president of consumer credit and debit products.

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