U.S. Bank Cash+ Visa Signature Credit Card Review

Maximize your cash back with a foundation card for your credit history. The U.S. Bank Cash+ card is one of the best cash back cards given its flexibility. 

With a $0 annual fee, you can pick two categories to earn 5% cash back every quarter -- based on your spending habits.

Key features

  • Annual fee: $0

  • Welcome bonus: $150 after $500 in spend within the first 90 days of account opening

  • Spending Multipliers:

    • Earn 5% cash back on the first $2,000 in purchases each quarter on the two categories you choose

    • Earn 2% cash back on your choice of an everyday category like gas stations or grocery stores

    • Earn 1% cash back on all other purchases

Review: Is the U.S. Bank Cash+ Worth It?

The U.S. Bank Cash+ is ideal for those who want more control over their spend categories. Each quarter, you’ll need to choose and activate your 5% and 2% categories to earn more cash back.

You can choose categories up to 45 days before each quarter begins, and change the categories up to 5 days before each quarter begins.

If you forget to choose your categories, you can still select them during the quarter. However, if you don’t choose any categories, all purchases will earn 1% cash back.

Cash back earned can be redeemed anytime in the form of a deposit to your U.S. Bank account, a statement credit, or a U.S. Bank Rewards Card.

Important: Unredeemed Cash Rewards expire 36 months after the billing period they were earned. Be sure to redeem Cash Rewards before they expire.

5% Cash Back Categories

As of April 2019, here are the sample categories you can select to earn 5% cash back:

  • Cell Phone Providers

  • Department Stores

  • Electronic Stores

  • Gyms/Fitness Centers

  • Fast Food

  • Home Utilities

  • Sporting Goods Stores

  • Furniture Stores

  • Select Clothing Stores

  • Movie Theaters

  • Ground Transportation

Select two categories from the list above to activate each quarter to earn 5% on up to $2,000 in combined purchases.

2% Cash Back Categories

Select one category to activate from the list below to earn 2% each quarter:

  • Grocery Stores

  • Gas Stations

  • Restaurants

Bottom Line

If you want a cash back card that lets you pick categories based on your spending habits, the U.S. Bank Cash+ is a good option to consider.

With other 5% category cards, the credit card issuer dictates the rotating categories that might not fit your lifestyle.

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities. 

UGC disclosure: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.”