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U.S. Bank Cash+®: Choose Your Rewards
Earn up to 5% cash back in categories you choose, with no annual fee and flexible rewards.
5% Cash Back Categories
Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you choose.
2% Everyday Category
Choose one everyday category each quarter to earn unlimited 2% cash back, such as grocery stores, restaurants or gas stations and EV charging stations.
No Annual Fee
The U.S. Bank Cash+® Visa Signature® Card has a $0 annual fee and earns 1% cash back on other eligible purchases.
5% Cash Back on Travel
Earn 5% cash back on prepaid air, hotel and car reservations booked directly through the U.S. Bank Travel Center.
Why the U.S. Bank Cash+® Visa Signature® Card Stands Out
The U.S. Bank Cash+® Visa Signature® Card lets cardholders select bonus categories based on their spending habits. Each quarter, cardholders can choose two eligible categories to earn 5% cash back on the first $2,000 in combined eligible net purchases. Purchases above the $2,000 quarterly limit in those categories earn 1% cash back.
Current 5% category options include fast food, home utilities, TV, internet and streaming services, department stores, cell phone providers, electronics stores, sporting goods stores, furniture stores, movie theaters, ground transportation, gyms and fitness centers, and select clothing stores. Category options are subject to change.
Cardholders can also choose one everyday category each quarter to earn unlimited 2% cash back. Current options include grocery stores and grocery delivery, restaurants, or gas stations and EV charging stations. Certain purchases at discount stores, supercenters and wholesale clubs are excluded from the elevated grocery and gas earning rates. All other eligible purchases earn 1% cash back.
The card also earns 5% cash back on eligible prepaid air, hotel and car reservations booked directly through the U.S. Bank Travel Center. It currently has a $0 annual fee and provides 0% introductory APR on purchases and balance transfers for the first 15 billing cycles. After the introductory period, a variable APR applies, and balance transfer fees and other conditions should be reviewed before applying.
New eligible cardmembers can currently earn a $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening. Offer eligibility and other conditions apply.
Does the U.S. Bank Cash+® Visa Signature® Card have an annual fee?
No. The card currently has a $0 annual fee. Other charges, including interest and transaction fees, may apply depending on how the account is used.
Can cardholders choose their cashback categories?
Yes. Cardholders need to select their Cash+ Categories each quarter to earn the elevated 5% and 2% rates. If categories are not selected, eligible purchases will still earn 1% cash back. U.S. Bank states that elevated earning begins three business days after the categories are selected.
What categories can earn 5% cash back?
Cardholders choose two eligible 5% categories each quarter. Current options include home utilities, TV, internet and streaming services, fast food, cell phone providers, department stores, electronics stores, gyms and fitness centers, movie theaters, furniture stores, sporting goods stores, ground transportation and select clothing stores. The 5% rate applies to the first $2,000 in combined eligible net purchases each quarter across the two selected categories.
What credit profile does U.S. Bank indicate for its credit cards?
U.S. Bank states generally that its credit card products are intended for customers with credit scores in the good-to-excellent range. However, the bank does not provide a single score that guarantees approval for the Cash+® Card. Approval and account terms depend on U.S. Bank's evaluation of the application.
How can rewards be redeemed?
Cash rewards can be redeemed through the U.S. Bank Rewards Center. Available options include a statement credit, a rewards card or a direct deposit into an eligible U.S. Bank checking or savings account. Redemption values and minimum amounts can vary depending on the selected option. Cash rewards currently expire at the end of the calendar month 36 months after the billing cycle in which they were earned.
How to Apply for the U.S. Bank Cash+® Visa Signature® Card
Applications can be submitted through the official U.S. Bank Cash+® Visa Signature® Card page. Before applying, review the current rewards categories, introductory APR, ongoing variable APR, balance transfer conditions, fees and eligibility requirements.
The card currently has a $0 annual fee and offers 0% introductory APR on purchases and balance transfers for the first 15 billing cycles. New eligible cardmembers can also earn a $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening. These promotional terms are subject to eligibility and may change.
Applicants provide the personal and financial information requested by U.S. Bank for evaluation. Approval, credit limit and applicable APR are determined by the issuer and are not guaranteed. U.S. Bank also provides an option to check for pre-approved offers without affecting the applicant's credit score before proceeding with an application.
Once the account is active, cardholders need to select their Cash+ Categories each quarter to receive the elevated 5% and 2% cash back rates. Categories can be selected through the Rewards Center online or through the U.S. Bank Mobile App. If no categories are selected, eligible purchases continue to earn 1% cash back.
