U.S. Bank Cash+ Visa Signature Card

U.S. Bank · Personal card · Checked against U.S. Bank's terms Oct 24, 2026

The U.S. Bank Cash+ earns 5% cash back on 2 categories you pick each quarter; 2% cash back on one category you pick each quarter; and 1% cash back on everything else. No annual fee.

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Where it's the best card

Uber (5%) · Lyft (5%) · Spectrum (5%) · Verizon (5%) · T-Mobile (5%) · Southern California Edison (5%) · SoCalGas (5%) · AMC Theatres (5%) · Regal Cinemas (5%) · Planet Fitness (5%) · 24 Hour Fitness (5%) · Macy's (5%) · Nordstrom (5%) · Kohl's (5%) · Gap (5%) · Old Navy (5%) · Aeropostale (5%) · American Eagle (5%) · Ann Taylor (5%) · Banana Republic (5%) · Eddie Bauer (5%) · Express (5%) · Forever 21 (5%) · J.Crew (5%) · Jos. A. Bank (5%) · Talbots (5%) · The Limited (5%) · Apple Store (5%) · REI (5%) · Dick's Sporting Goods (5%)

Where it's in the top 3

Starbucks (5%) · In-N-Out Burger (5%) · McDonald's (5%) · Taco Bell (5%) · Chick-fil-A (5%) · Netflix (5%) · Hulu (5%) · Disney+ (5%) · Max (5%) · Spotify (5%) · Apple TV (5%) · YouTube TV (5%)

Earning rates

5
2 categories you pick each quarter 5% cash back
- Up to $2,000 of spending a quarter (shared with its other bonus categories on this cap), then 1% cash back
“5% cash back on two categories you choose” usbank.com
5
U.S. Bank Travel Center 5% cash back
Prepaid air, hotel and car reservations booked in the U.S. Bank Travel Center.
“5% cash back on prepaid travel. On air, hotel” usbank.com
2
One category you pick each quarter 2% cash back
- Not at gas at superstores and warehouse clubs
“2% cash back on one everyday category you choose” usbank.com
1
Everything else 1% cash back
“1% cash back on all other eligible purchases” usbank.com

Categories you choose

Pick 2 of: cell phone, department stores, electronics stores, fast food, furniture stores, ground transportation, gyms fitness, home utilities, movie theaters, select clothing stores, sporting goods and tv internet streaming (each quarter).
Pick 1 of: gas ev charging, grocery stores and restaurants (each quarter).

Public welcome offer

$200 after $1,000 in purchases in 3 months, per the issuer's page. Offers vary by person and by how you apply. The page says within 90 days of account opening, modeled as 3 months. Existing and previous Cash Rewards accounts don't qualify, and it can't be combined with any other bonus offer.

Sources

Rankings compare personal cards, each set up at its best for the purchase, with points at earnrate's default value. Rates change; check U.S. Bank's terms before you apply.