U.S. Bank Cash+® Visa Signature® Card
The Cash+ card is for people who want high cash back and will manage category choices each quarter. You earn 5% on your first $2,000 in combined eligible purchases in two categories you choose, 2% on one everyday category, and 1% on everything else. There is no annual fee. The caveat: the 5% rate stops at the quarterly cap, and you must select categories each quarter.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Category control: you choose your two 5% cash back categories each quarter
- $200 rewards bonus after $1,000 in eligible purchases in the first 90 days
- 0% intro APR on purchases and balance transfers for the first 15 billing cycles
- No annual fee
- 5% back on prepaid travel booked in the U.S. Bank Travel Center
- 2% on one everyday category you choose
- Annual fee: $0
- Purchase APR: 0% intro for the first 15 billing cycles, then 17.74% - 27.99% Variable
- Balance transfer APR: 0% intro for the first 15 billing cycles on transfers made within 60 days of account opening, then 17.74% - 27.99% Variable
- Balance transfer fee: 5% of each transfer amount, $5 minimum
- Cash advance APR and fee: see the issuer's pricing and terms
- Late payment fee: see the issuer's pricing and terms
- Foreign transaction fee: 2% of each foreign transaction in U.S. dollars, 3% if in a foreign currency
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- You spend heavily in one or two specific categories and want to pick them yourself
- You are organized enough to select your categories every quarter, otherwise purchases earn the base rate
- Your planned purchase or balance transfer fits the 15 billing cycle 0% intro window
- You want strong cash back without paying an annual fee
- You should skip it if you prefer flat rewards with no category management, a simple 2% card asks nothing of you
U.S. Bank Cash+® Visa Signature® Card Review
The Cash+ card offers one of the few 5% cash back programs where you pick the categories yourself. This review covers how the caps work, what the card costs, and who gets the most out of it.
How You Earn
Cash+ uses a choose-your-own structure. Two 5% categories and one 2% category are selected by you, and the 5% tier carries a quarterly cap.
- The 5% rate applies to your first $2,000 in combined eligible purchases each quarter across your two chosen categories
- After the cap, purchases in those categories earn 1%
- Categories must be chosen each quarter to keep the elevated rates
| Category | Earn rate |
|---|---|
| Two categories you choose | 5% on first $2,000 combined per quarter |
| Prepaid travel booked in the Travel Center | 5% |
| One everyday category you choose | 2% |
| All other eligible purchases | 1% |
How You Redeem
Cash back can be redeemed as a statement credit or deposit, among other options U.S. Bank lists in its rewards terms.
- Redemption options are set by U.S. Bank's rewards program terms
- Check the rewards center for current redemption methods and minimums
Benefits and Protections
This is a Visa Signature card, so it carries U.S. Bank's standard cardholder protections.
- Zero fraud liability for unauthorized transactions
- Contactless chip payments
- Visa Signature benefits per the issuer's Guide to Benefits
Who This Card Is For
This card fits people whose spending concentrates in a few categories and who will manage quarterly selections. If you want rewards without any upkeep, a flat-rate card is the simpler path.
- Best for deliberate spenders who track categories
- Weak fit for people who forget quarterly activations
- Pairs well with a flat-rate card covering everything else
Comparison
| Feature | U.S. Bank Cash+ | Discover it Cash Back | Citi Double Cash |
|---|---|---|---|
| Annual Fee | $0 | $0 | $0 |
| Welcome Offer | $200 after $1,000 in 90 days | Cashback Match, first year | $200 after $1,500 in 6 months |
| Rewards Rate | 5% two chosen categories, capped | 5% rotating categories, capped | 2% on everything |
| Intro APR | 0% for 15 billing cycles | 0% for 15 months | 0% on transfers for 18 months |
| Foreign Transaction Fee | 2% to 3% | None | 3% |
| Best For | Custom category cash back | Rotating categories, first year | Flat-rate simplicity |
Issuer Comparison
| Feature | U.S. Bank Cash+ | U.S. Bank Altitude Go | U.S. Bank Altitude Connect |
|---|---|---|---|
| Annual Fee | $0 | $0 | $0 |
| Welcome Offer | $200 after $1,000 in 90 days | 20,000 points after $1,000 in 90 days | 20,000 points after $1,000 in 90 days |
| Rewards Rate | 5% chosen categories, capped | 4X dining, capped quarterly | 4X travel, 5X prepaid hotels and cars |
| Key Credits | None | $15 streaming credit | TSA PreCheck or Global Entry credit |
| Best For | Category cash back | Dining and streaming | Travel and gas |
Reader results for this card
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Reader reports, not issuer data. Not a prediction of your result. Ranges only, reviewed before publishing.