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Customize your categories and boost everyday cash back
5% Cash Back in Two Categories You Choose
Earn 5% cash back on two categories you pick each quarter, up to $2,000 combined spend.
2% Cash Back on One Everyday Essential
Earn 2% cash back on one category you choose each quarter: grocery stores, gas/EV charging, or restaurants.
$200 Bonus for New Cardmembers
Get a $200 rewards bonus after $1,000 in eligible purchases within the first 90 days.
0% Intro APR and No Annual Fee
Pay a $0 annual fee and get 0% intro APR on purchases and balance transfers for 15 billing cycles.
Why the U.S. Bank Cash+® Card Rewards Active Planners
The U.S. Bank Cash+® Visa Signature® Card is built for people who like to control where they earn the most. Instead of one fixed rate on everything, you choose how to allocate your high cash-back categories. Each quarter, you can select two 5% categories and one 2% “everyday” category. On your first $2,000 in combined eligible purchases per quarter across the 5% categories, you earn 5% cash back; after that, those purchases revert to 1% for the rest of the quarter. Your chosen 2% category applies to all eligible spending in that bucket with no stated quarterly cap, and every other purchase earns 1% cash back.
The list of 5% categories is broad and practical. Options include fast food, home utilities, TV/internet/streaming services, department stores, cell phone providers, electronics stores, sporting goods stores, gyms and fitness centers, movie theaters, furniture stores, ground transportation, and select clothing stores. For the 2% tier, you pick one of three: grocery stores and grocery delivery, gas stations and EV charging stations, or restaurants. Discount stores, supercenters, and wholesale clubs are excluded from the elevated grocery and gas earnings, which is typical for this type of structure.
As of 2025, new cardmembers can earn a $200 rewards bonus after making $1,000 in eligible purchases within 90 days of account opening, a relatively low spend requirement. There is no annual fee, which makes the card attractive even if you use it mainly in your top categories. You also get a 0% intro APR on purchases and balance transfers for the first 15 billing cycles (on transfers made within 60 days), followed by a variable APR based on your credit profile. A 5% balance transfer fee applies, and a foreign transaction fee of up to about 3% can apply on purchases in foreign currencies, so it’s better as a domestic card than a travel card.
Redemption is straightforward. You earn “cash rewards” that you can redeem anytime online as a statement credit, as a direct deposit to an eligible U.S. Bank checking or savings account, or as a rewards card. Rewards used as statement credits or deposits generally deliver the best value. Your cash rewards expire 36 months after the end of the calendar month in which you earned them, so it’s smart to redeem periodically instead of hoarding for years. On top of that, the card works with Shopping Deals for extra cash back at more than 1,100 online merchants, and with Real-Time Rewards, which can let you redeem by text message for recent purchases once you enroll.
If you are willing to log in each quarter and choose categories, the Cash+ card can deliver strong returns on common expenses with no annual fee and flexible redemption options.
Turn Your Favorite Categories into Up to 5% Cash Back
The U.S. Bank Cash+® Visa Signature® Card is ideal if you want to dial in your rewards to match your real spending, instead of settling for a flat rate on everything. Each quarter, you pick two 5% categories and one 2% category, then aim your everyday purchases at those buckets. If a big home utility bill, a period of heavy streaming and internet spending, or frequent drive-through visits are part of your routine, you can assign 5% there. If your budget shifts later, you adjust your choices at the start of a new quarter. This level of control is rare for a no-annual-fee cash-back card and can generate strong returns if you plan ahead.
The first year can be especially rewarding. Hitting $1,000 in eligible purchases within 90 days unlocks a $200 bonus, which is generous for a card with no annual fee and a modest spending requirement. Pair this bonus with strategic category selection and you can stack meaningful cash back quickly on expenses you were going to pay anyway. The 0% intro APR on purchases and balance transfers for 15 billing cycles adds flexibility for planned financing or debt consolidation, as long as you commit to paying off the balance before the intro window ends so interest charges do not erode your rewards.
Day to day, the card benefits active managers. You need to enroll in categories each quarter; if you forget, all purchases earn only 1%. You should also track the $2,000 quarterly cap on 5% spending so you can adjust expectations once you hit it. In return, you get a customizable rewards engine that can outperform many flat-rate cards for households that spend heavily in the available categories. Shopping Deals and Real-Time Rewards add extra layers of value by giving you bonus opportunities at select online merchants and the option to turn select purchases into redemptions instantly via text.
If you prefer to set a card on autopilot and never think about categories, a simple 1.5%–2% flat-rate card might suit you better. But if you are comfortable logging in once a quarter and aligning categories with upcoming spending—like a move, a streaming-heavy winter, or months with bigger utility bills—the U.S. Bank Cash+ card can become a key part of your long-term cash-back strategy. Consider how your budget fits into the 5% and 2% buckets, calculate how often you would reach the quarterly cap, and then decide whether the structure fits your habits. For many U.S. households that like a bit of planning, this card offers one of the most flexible and rewarding cash-back setups available without an annual fee.