If your spending tends to cluster in a few predictable areas and you like the idea of tuning your rewards to match those habits, the U.S. Bank Cash+® Visa Signature® Card deserves serious consideration. Its combination of customizable 5% and 2% categories, $200 welcome bonus, long 0% intro APR window and $0 annual fee makes it one of the more flexible cash-back tools available to U.S. consumers who are willing to engage a bit more with their card each quarter. Used well, it can turn regular bills like home utilities, streaming, fast food, groceries and gas into a stream of meaningful cash rewards rather than just expenses. Over the course of a year, those small percentages can compound into a sizable offset of everyday living costs, especially for households that consistently spend in the same major categories.

The trade-off is effort: you must remember to enroll in categories, pay attention to the $2,000 quarterly cap for 5% earnings, and redeem rewards before they expire after 36 months. You’ll also want to track which purchases fall under each merchant category code, since not every store you expect will be treated as, say, “fast food” or “utilities.” If that feels manageable and your budget fits the categories offered, the math often beats many flat-rate cards—especially when you concentrate key expenses into your chosen buckets. Take a moment to map your last few months of spending, see where the Cash+ categories overlap with your real life, and estimate how much 5% and 2% cash back could add up to each quarter. If the numbers look strong, applying for the U.S. Bank Cash+ card and putting your most rewarding categories on it can be a smart way to make your everyday payments work harder for you and reduce the net cost of purchases you were already planning to make.