U.S. Bank Cash+ Visa Card Review: 5% Cash Back On Your Preferred Categories

U.S. Bank Cash+® Visa Signature® Card is an ideal choice for customization-oriented spenders. With bonus categories tailored to your spending habits, this card offers a generous cash back rate that changes with you - making it the perfect fit for anyone looking for personalized rewards.

Key Features

Spending Multipliers:

• 5% cash back on your first $2,000 in combined purchases in two categories of your choice (see list below)
• 5% cash back on prepaid air, hotel, and car reservations booked directly in the Rewards Center
• 2% cash back on spending in one "everyday" category of your choice (see list below)
• 1% cash back on all other eligible purchases

Other Perks:

• No annual fee
• Contactless Payments
• Cardholder Inquiry Service
• ID Navigator Identity Theft Protections
• Lost or Stolen Card Assistance
• Visa Signature Perks
• Zero Fraud Liability

Review: Is U.S. Bank Cash+ Visa Signature Card Worth It?

The U.S. Bank Cash+® Visa Signature® Card offers 5% back on every dollar you spend in two categories, 2% on one everyday category, and 1% back on everything else. You'll need to opt-in to the categories for the respective multipliers to apply.

There are a bunch of categories where you can get 5% back with this card including:

• Department stores
• Electronic stores
• Fast food
• Furniture stores
• Ground Transportation
• Gym/ fitness centers
• Home utilities
• Movie theaters
• Phone providers
• Select clothing stores
• Sporting goods stores
• TV, internet, and streaming services

You'll also get unlimited 2% back in one everyday category that you choose quarterly, like:

• Gas stations or EV charging stations
• Grocery stores
• Restaurants

You can find out which merchants are part of these categories from the U.S. Bank website. Again, you'll need to activate choice categories every quarter.

If you're looking for a cash reward system that offers greater choice and higher rewards, it's worth putting effort into tracking categories and activating your U.S. Bank Cash+ card. 

How to Redeem Cash Back

U.S. Bank Cash+ rewards offer users several flexible redemption options to suit their needs, including statement credits and direct deposit into checking or savings accounts. There's a minimum $25 redemption on cash back.

Redemption for U.S. Bank Rewards Cards must be in $5 increments. 

Real-Time Rewards also allow you to put your cash back toward purchases in increments as small as $10. 

Do U.S. Bank Cash Rewards Expire?

Be sure to redeem cash rewards before they expire, which is 36 months after the billing cycle in which they were earned. Otherwise, you'll miss out on your hard-earned cash back.

Overall Thoughts

The U.S. Bank Cash+® Visa Signature® Card can be an excellent addition to someone's wallet but is not ideal for earning maximum rewards without careful upkeep and selection of categories throughout the month. 
 

The card is ideal for those who want control over cash back categories, as opposed to the banks choosing rotating categories like other 5% cards on the market.