U.S. Bank Cash+®: Choose Your Rewards
Earn cash back in categories you choose, with a $0 annual fee and flexible rewards that adapt to your everyday spending.
5% Cash Back Categories
Earn 5% cash back on the 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, including eligible restaurants, grocery stores or gas and EV charging purchases.
$0 Annual Fee
The card currently has no annual fee, while other eligible purchases outside your selected bonus categories earn 1% cash back.
5% Cash Back on Travel
Earn 5% cash back on eligible prepaid air, hotel and car reservations booked directly through the U.S. Bank Travel Center.
How the U.S. Bank Cash+® Card Works
The U.S. Bank Cash+® Visa Signature® Card lets you choose part of your rewards based on regular spending. Each quarter, you can select two eligible categories for 5% cash back on the first $2,000 in combined eligible purchases. Spending above that quarterly limit earns 1%.
You can also select one everyday category for unlimited 2% cash back. Current choices include restaurants, grocery stores and eligible gas stations or EV charging stations. Purchases outside the selected bonus categories generally earn 1% cash back under the rewards program.
The card currently has a $0 annual fee and a 0% introductory APR on purchases and qualifying balance transfers for the first 15 billing cycles. It also earns 5% cash back on eligible prepaid travel booked directly through the U.S. Bank Travel Center.
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No. The U.S. Bank Cash+® Visa Signature® Card currently has a $0 annual fee. Interest charges, balance transfer fees and other account costs may still apply depending on how you use the card.
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Yes. Cardholders need to select their Cash+ categories each quarter to receive the elevated 5% and 2% cash back rates. Without category selection, eligible purchases continue to earn 1% cash back.
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The 5% rate applies to the first $2,000 in combined eligible purchases each quarter across the two 5% categories you select. Eligible purchases above that quarterly amount earn 1% cash back.
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Eligible new cardmembers can currently earn a $200 rewards bonus after $1,000 in eligible purchases within the first 90 days of account opening. Eligibility requirements and promotional terms apply.
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Cash rewards can be redeemed through the U.S. Bank Rewards Center. Available options include a statement credit, rewards card or deposit into an eligible U.S. Bank checking or savings account.
What to Check Before Applying
The Cash+® Card requires more active rewards management than a simple flat-rate card. To receive the higher rates, remember to select your 5% and 2% categories each quarter and check which types of purchases qualify for those rates.
Review the introductory APR period, the variable APR that applies afterward and any balance transfer fees before applying. The $0 annual fee removes one recurring card cost, but interest and other account charges can still apply.
U.S. Bank evaluates each application individually. Approval, credit limit and account terms are not guaranteed. Rewards categories, introductory offers and other promotional conditions can also change, so review the issuer's current terms when submitting your application.