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U.S. Bank Cash+™ Visa Signature® Card cashback rewards calendar 2020

This card might be right for you if you want to earn the highest cash back on select categories.

Updated

Fact checked
You get to choose two categories each quarter on which to earn 5% cash back on up to $2,000, then 1% once you meet that cap. You also get to choose one category — grocery stores or gas stations — on which to earn 2% cash back.

2019 U.S. Bank Cash+™ Visa Signature® Card cash back calendar

Each quarter choose two 5% categories from the list below. You’ll earn 5% cash back in these two categories on up to $2,000 in combined quarterly purchases and then 1% back.

  • 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

You can also select between grocery stores or gas stations each quarter to earn 2% cash back.

Can these categories change?

Yes. Watch for changes 45 days before the activation of the next quarter.

Steps to activate your U.S. Bank cash back

To earn 5% cash back, you must activate two eligible categories each quarter. To earn 2% cash back, you must activate one eligible category each quarter.

  • Activation starts 45 days before the start of each quarter, though you can still activate five days before the end of the quarter.
  • To activate, call the number on the back of your card or log in at usbank.com/cashplus.
  • Each category with accelerated cash back lasts for three months.

What counts as a 5% cashback category purchase?

You’ll earn 5% cash back on everything you buy within your selected categories if you enrolled that quarter. However, you’re limited to $2,000 in combined purchases per quarter. Once you reach the cap, you’ll earn 1% cash back on these categories.

Quarterly cash back for the 2% category is unlimited if you enrolled, while everything else you buy earns 1% back.

Compare cashback credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
This no-annual-fee cashback card is one of the most valuable on the market. It boasts a huge signup bonus and up to 5% cashback in multiple purchase categories.
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$95
6% cash back at US supermarkets. Rates & fees
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
Earn a huge signup bonus for a no annual fee card with rewards of up to 5% cash back on popular everyday categories.
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Tips to maximize your U.S. Bank cash back

  • Activate your categories.

    Otherwise, you’ll only earn 1% cash back.

  • Earn the signup bonus.

    Spend $500 in your first 90 days of card membership to earn a $200 bonus.

  • Get more than one card.

    U.S. Bank allows up to three U.S. Bank Cash+™ Visa Signature® Cards. This way, you can set each card to earn 5% cash back on different categories. Considering the card has no annual fee, you could earn solid rewards.

Compare bonus rewards categories

Chase Freedom Flex℠ is another credit card with 5% cash back on rotating categories.
Chase 5% cashback categories for 2020
  • January to March.
    Gas stations, select streaming services, Internet, cable and phone services.
  • April to June.
    Grocery stores (excludes Walmart and Target), fitness club and gym membership.
  • July to September.
    Amazon.com and Whole Foods Market.
  • October to December.
    Coming soon.
Chase reveals its 5% categories as we approach the activation date.

Note: In 2020, Chase Freedom Flex℠ added two new categories that don’t rotate — 5% cash back on Lyft rides until March 31, 2022 and 5% back at grocery stores on up to $12,000 within your first year of card membership.

Which card is better?

It all comes down to your preference. If you spend more in the categories offered by Chase Freedom Flex℠, then that should be your choice. But if you prefer to choose your categories and to know beforehand what you’ll get high rewards on, the U.S. Bank Cash+™ Visa Signature® Card could be the better choice.

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