February 14, 2025: The U.S Bank Cash+® Visa Signature® Card‘s headline offering is 5% cash back on your first $2,000 in combined spending on two categories you choose each quarter. While that amount of cash back sounds impressive, the card is more of an “add it to your wallet if you want extra cash back” rather than an everyday credit card to use for all of your spending.
Our review of the U.S. Bank Cash+ Visa Signature Card
Cards and Points Rating: 2.5/5.0
Read more about our star ratings.
The U.S. Bank Cash+® Visa Signature® Card sounds like it could be a really compelling card. 5% cash back on two categories you choose? What’s not to love?
Unfortunately the card’s 5% choice categories aren’t as useful for most people as we would love. Most people aren’t going to come close to spending $2,000 per quarter in categories like fast food, cell phone plans, streaming services, movie theaters, and fitness centers. And while you might make large purchases on occasion at department stores, electronics stores, and furniture stores, those aren’t usually places that you’re going to be shopping consistently.
Outside of the 5% categories, the card doesn’t really deliver significant value. You’ll get 2% cash back in one of the card’s “everyday” categories—or you could get 2% cash back everywhere with a 2% cash back credit card. The card’s general lack of benefits are also a disappointment.
Likes
- 5% cash back on up to $2,000 spent each quarter in categories you choose.
- Unique bonus categories.
- No annual fee.
Dislikes
- Categories are less useful than we would like.
- Limited benefits.
- Grocery, gas, and restaurant rewards aren’t terribly compelling.
Sign-up bonus: Easy cash back bonus
Annual fee: $0
Best sign-up bonus: Earn a $200 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening.
Learn how to apply.
This bonus is earned as cash back credited to your rewards balance.
U.S Bank Cash+® Visa Signature® Card at a glance
Annual fee: $0
Foreign transaction fee: 3% of each foreign transaction
All information about the U.S Bank Cash+® Visa Signature® Card has been collected independently by cardsandpoints.com.
The U.S. Bank Cash+® Visa Signature® Card offers 5% cash back on up to $2,000 in combined purchases each quarter in two categories you choose, plus additional cash back in one everyday category, with no annual fee.
Sign-up bonus
Best sign-up bonus: Earn a $200 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening.
Learn how to apply.
This bonus is earned as cash back credited to your rewards balance.
Rewards
- 5% cash back in two categories you choose each quarter
on your first $2,000 in combined eligible purchases.
Eligible categories include fast food; home utilities; TV, internet, and streaming; department stores; cell phone providers; electronic stores; sporting good stores; gyms/fitness centers; ground transportation; movie theaters; furniture stores; and select clothing stores. - 2% cash back on one everyday category you choose each quarter
Eligible categories include grocery stores and gas stations and EV charging stations. - 1% cash back on all other eligible purchases.
Rewards are earned as cash back and can be redeemed for full value as a statement credit, or a direct deposit into your U.S. Bank checking or savings account.
Benefits
The U.S Bank Cash+® Visa Signature® Card offers a very limited set of benefits.
Travel insurance benefits
- Travel and Emergency Assistance Services.
- Roadside Dispatch.
Rewards: Cash back in bonus categories
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
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.
Bottom line: Great for cash back in niche categories, but not a core wallet card
The U.S. Bank Cash+ card offers 5% cash back in some categories that few other cards offer, and that can make it a good addition to your wallet if you spend heavily in the card’s bonus categories. But it isn’t a card that we’d recommend using as your daily driver. You can get much better rewards and benefits on most purchases with other cards.
