The U.S. Bank Cash+ Visa Signature Card offers 5% cash back on your first $2,000 in combined spending on two categories you choose each quarter, plus 2% back on unlimited spending in one “everyday” category. The card comes with no annual fee.
Learn more and apply for the U.S. Bank Cash+® Visa Signature® Card – Earn a one-time $200 bonus when you are approved for a new U.S. Bank Cash+® Visa Signature® Card and after eligible net purchases totaling $1,000 or more are made to your account within 120 days from account opening.
U.S. Bank Cash+ at a glance
Here’s what you need to know about the U.S. Bank Cash+.
Use this card for:
Choose two of the card’s 5% bonus categories and use the U.S. Bank Cash+ exclusively for spending in those categories until you hit $2,000 in purchases during the quarter. See reward details, below.
Consider other cards for:
Although the U.S. Bank Cash+ advertises 2% rewards on your choice of grocery stores, restaurants or gas, you can get 3% or greater rewards in each of these categories with other cards.
- General spending – Card earns 1x points on general purchases. Consider a 2% cash back credit card.
- Purchases with warranties – Use a card that offers an extended warranty benefit.
Welcome bonus
Earn a one-time $200 bonus when you are approved for a new U.S. Bank Cash+® Visa Signature® Card and after eligible net purchases totaling $1,000 or more are made to your account within 120 days from account opening.
Benefit highlights
This card offers no notable benefits.
Other important terms
- No annual fee
- 2% foreign transaction fee if purchases is made in U.S. Dollars
- 3% foreign transaction fee if purchase is made in a Foreign Currency
Welcome bonus (First year value: $200)
New cardmembers can earn a one-time $200 bonus. Just spend $1,000 or more on purchases within 120 days from account opening.
This welcome offer requires an average spending of $250 per month.
What you earn
$200 cash bonus
What you need to do
Spend $1,000 in purchases using your card
How much time you have
Within the first 120 days from account opening
Learn more about how we calculate first year values.
Learn more and apply for the U.S. Bank Cash+® Visa Signature® Card – Earn a one-time $200 bonus when you are approved for a new U.S. Bank Cash+® Visa Signature® Card and after eligible net purchases totaling $1,000 or more are made to your account within 120 days from account opening.
U.S. Bank Cash Plus rewards
The U.S. Bank Cash Plus card awards 5% cash back on up to $2,000 of combined eligible purchases in categories you select each quarter, plus unlimited 2% cash back in the everyday category you choose. General purchases and purchases on 5% bonus categories over the $2,000 limit earn 1% cash back.
You can redeem your cash back rewards as a statement credit, a deposit to an eligible U.S. Bank savings, checking or money market account, or as a U.S. Bank rewards card. Cash back redemptions have a $25 minimum. Be sure to redeem your U.S. Bank cash rewards. Cash back rewards expire 36 months after you earn them.
5% cash back categories
Each quarter, you can select two categories in which you will earn 5% cash back on up to $2,000 in spending. The U.S. Bank Cash Plus lets you pick from a wide variety of categories. Here are all of the current options:
- Fast Food
- Home utilities
- TV, internet and streaming
- Department stores
- Cell phone
- Electronics stores
- Sporting goods stores
- Gyms/fitness centers
- Ground transportation
- Movie theaters
- Furniture
- Select clothing stores
2% cash back categories
In addition to the 5% cash back categories, the U.S. Bank Cash+ card offers unlimited 2% cash back in one “everyday” category that you choose. You must enroll in your 2% category every quarter. Here are the options:
- Grocery stores and grocery delivery
- Restaurants
- + Gas stations and EV charging stations
How to apply:
Learn more and apply for the U.S. Bank Cash+® Visa Signature® Card – Earn a one-time $200 bonus when you are approved for a new U.S. Bank Cash+® Visa Signature® Card and after eligible net purchases totaling $1,000 or more are made to your account within 120 days from account opening.
A few notes on applying for U.S. Bank credit cards
- U.S. Bank credit cards are generally harder to get approved for than other banks. If you are initially denied, you may need to call to get them to reconsider your application.
- U.S. Bank’s terms on some cards state that you can not get a welcome bonus if you currently have or have had the product before. Be sure to check the terms and conditions if you are a previous cardmember.
- There is no hard limit to the number of U.S. Bank credit cards you can hold.
- You can check your application status by calling 1-800-947-1444.
Should you keep the U.S. Bank Cash+ after the first year?
The reason to get the U.S. Bank Cash+ card is for its 5% categories and that value proposition doesn’t change much year-to-year. If you completely maximize the 5% cash back categories each year, you can earn $400 cash back each year on the card.
Because the card carries no annual fee, as long as you are getting some value out of the 5% cash back categories, it’s probably a good call to keep the card open.
Benefits of the U.S. Bank Cash+
The U.S. Bank Cash+ card does not have any notable benefits beyond its cash back rewards.
This card is issued as a Visa Signature card, which means it comes with the standard set of Visa Signature benefits. Learn more about Visa Signature card benefits at Visa’s website.
