Pros & Cons

Pros

  • +Welcome Bonus: 200 points
  • +No annual fee

Cons

  • No purchase protection

Our Review

Customize Your Rewards with the U.S. Bank Cash+® Visa Signature® Card

  • 5% cash back on your first $2,000 in combined quarterly spending in two bonus categories you choose
  • 2% cash back on all purchases in one everyday category of your choice—gas & EV charging, grocery stores or restaurants—with no cap
  • 1% cash back on all other purchases
  • 5% cash back on prepaid air, hotel and car rental bookings through the U.S. Bank Rewards Center
  • $200 rewards bonus after $1,000 in purchases within 90 days of account opening
  • No annual fee

Whether you’re stocking up on groceries, fueling your vehicle or booking travel, the Cash+ Card lets you direct premium rates exactly where you spend most. Change your bonus categories each quarter for maximum flexibility, then redeem your cash back any time through the easy-to-use Rewards Center. With no annual fee and a strong sign-up bonus, this card is perfect for anyone who wants to tailor their rewards strategy and earn big on both everyday and travel purchases.

Terms apply. Quarterly cap of $2,000 on 5% categories; 2% category uncapped. Travel bookings must be made via the U.S. Bank Rewards Center. $200 bonus requires $1,000 spend in first 90 days. Ongoing APR: 18.24%–28.24% variable. See issuer for full details.

Rewards

All Spending

1x

pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries1x
$700/mo
Gas & EV1x
$200/mo
Transit1x
$100/mo
Restaurants1x
$300/mo
Pharmacy1x
$50/mo
Travel1x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming1x
$100/mo
Office supplies1x
$0/mo
All other spending1x
$500/mo

Points Earned

30,000

pts/yr

Estimated Value

$300

After Fees

+$300

1st Year Value

$302

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 1x8,400 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 1x3,600 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 1x1,800 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 1x1,200 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1x
Total points earned30,000 pts
Value of points accumulated in the first year$300

Additional Benefits

Cash-back deals: get cash back from the brands you love via personalized offers based on your previous spending, accessible through the U.S. Bank Mobile App or online banking. Flexible redemption: get your cash back as a statement credit, a rewards card or directly deposited into your U.S. Bank checking or savings account. Pay over time with a U.S. Bank ExtendPay® Plan — new cardmembers receive a $0 fee offer on ExtendPay Plans opened in the first 60 days after account opening.

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 US Bank. All trademarks are property of their respective owners.