US Bank Cash+ Review: $200 Bonus, No Fee and 5% Categories

by Donna Ryder

US Bank Cash+ Review

US Bank Cash+ Review

The US Bank Cash+ Visa Signature Card is a popular product that I often mention here on the site. It is one of the cards that comes with quarterly 5% categories where you can earn as much as $100 cash back every three months. This is a no fee credit card that also has an improved $200 welcome bonus right now. That would get you up to a total of $600 in cash back for the first year. So let’s get into this US Bank Cash+ review and see if this is a card that makes sense for you.


  • Earn a $200 rewards bonus after you apply online and spend $1,000 in eligible purchases within the first 120 days of account opening.
  • Enjoy a 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR applies
  • No Annual Fee
  • Credit required: Good/Excellent

Card Details

  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose from:
    • TV, Internet, and Streaming Services
    • Home utilities
    • Select clothing stores
    • Cell phone providers
    • Electronic Stores
    • Gyms/Fitness
    • Fast food
    • Ground Transportation
    • Sporting goods
    • Department Stores
    • Furniture Stores
    • Movie theaters
  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center
  • 2% cash back on one everyday category, like:
    • Gas Stations and EV Charging Stations
    • Grocery Stores
    • Restaurants
  • 1% cash back on all other purchases.

Activate quarterly categories here .

You can get your cash back as a statement credit, a rewards card, or directly deposited to your U.S. Bank checking or savings account. You can get your cash back rewards at any time online through the rewards center. Log in, select your U.S. Bank Cash+ account and select “Rewards Center” or call the Cardmember Services number on the back of your U.S. Bank Cash+® Visa cash back credit card.

The U.S. Bank Cash+ Visa Signature Credit Card is also eligible to use at the Rewards Center Earn Mall. The Earn Mall is the easiest way to earn additional cash back while shopping online at over 1,100 stores using your U.S. Bank Cash+ Visa Credit Card. Earn everyday cash back on your credit card and then earn additional cash back by shopping through the Rewards Center Earn Mall. This is similar to many other shopping portals out there, so it’s always best to compare rates and choose the best option.

US Bank Cash+ Review: Guru’s Wrap-up

The U.S. Bank Cash+ Visa Signature Card is different from several other 5% cash-back cards. It lets you choose the categories where you’ll earn 5% for a specific quarter. But, the eligible categories are not the most popular out there.

The card lets you select two 5% cash-back categories each quarter from a list of 12. That list includes electronics stores, department stores, utilities and much more. Plus, you can choose a 2% cash-back category every quarter from a list of three. You can definitely do much better than that for gas, groceries and restaurants though. You also get 5% back on certain travel bookings through US Bank.

DannyDealGuru has partnered with CardRatings for our coverage of credit card products. DannyDealGuru and CardRatings may receive a commission from card issuers. Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

webull 5 free stocks