Best Rewards Credit Cards - U.S. Bank Cash+™ Visa Signature® Card

Rewards Rate

5%5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose. 2%2% cash back on your choice of one everyday category, like gas stations or grocery stores. 1%1% cash back on all other eligible net purchases.

Recommended Credit

Good to Excellent


For cardholders who don’t mind a hands-on approach to earning card rewards, the U.S. Bank Cash+ offers more choice and flexibility than most of its competitors as well as a decent amount of cash back on everyday purchases.

Sign-Up Bonus $150 if you spend $500 in first 90 days

Annual Bonus None

Annual Fee $0

Average Yearly Rewards Value ($1,325 monthly spend) $265

APR 16.24-25.74% (variable)

Rewards Redemption


No limit on total amount of cash backRedeem for statement credit, direct deposit or gift cardNo minimum redemption amount


$2,000 limit each quarter on 5% cash back categoriesCash expires after 36 monthsCan’t redeem cash through paper checksCan’t transfer cash to other rewards programs

Other Notable Features: Purchase security, extended warranty, car rental insurance, baggage insurance, roadside assistance, travel discounts, concierge services, complimentary room upgrades

U.S. Bank Cash+ Visa Signature Card Review: More Details

If you are the kind of spender who prefers the ability to customize their rewards, the U.S. Bank Cash+ Visa Signature Card offers a unique rewards rate designed to shift as your spending does. Cardholders get to choose their own bonus categories to earn a generous rate of cash back, making it a good choice for users looking to tailor rewards.

Earning rate

The U.S. Bank Cash+ card has a unique rewards earning setup – allowing users to choose two categories each quarter to earn 5 percent cash back ($2,000 purchase limit per quarter). Cardholders can also choose an everyday category, such as gas stations or grocery stores, to earn 2 percent cash back. All other purchases will earn 1 percent cash back.

The ability to choose your own bonus category is a recent trend among rewards cards, as it allows the user to shift rewards to match their spending. Since you can update your choice categories each quarter and match them to your budget, the 5 percent category can be incredibly lucrative. It does, however, come with a spend cap that can limit earning.

Tip: Don’t forget to select your bonus category each quarter. If you don’t enroll in the categories of your choice, you’ll only earn 1 percent cash back on all purchases for that quarter.


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