U.S. Bank Cash+™ Visa Signature® Card cashback rewards calendar 2019

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

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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.

Our pick for 5% cashback categories

U.S. Bank Cash+™ Visa Signature® Card

  • Earn up to $550 cash back in the first year.
  • $150 bonus after spending $500 in eligible net purchases within the first 90 days of account opening.
  • 5% cash back on your first $2,000 in combined eligible net purchases ($100 per quarter) on two categories you choose. That adds up to $400 cash back!
  • 2% cash back on your choice of one everyday category, like gas stations or grocery stores.
  • 1% cash back on all other eligible net purchases.
  • No limit on total cash back earned.
  • 0% Intro APR on balance transfers for 12 billing cycles. After that, a variable APR currently 15.49% - 24.99%
  • No annual fee*
  • Great Offer from U.S. Bank, a 2019 World's Most Ethical Company® - Ethisphere Institute, February 2019
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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
$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
$150 cash back after spending $500 in the first 3 months
1.5% cash back on all purchases
$0
Earn unlimited 1.5% cash back on every purchase, every day.
$150 after spending $500 in the first 3 months
3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
$0
Earn $150 after spending $500 in the first 3 months.
$150 after spending $1,000 in the first 3 months
1.5% cash back on all purchases
$0
Unlimited 1.5% cash back. Rates & fees
See terms
See terms
See terms
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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 $150 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® is another credit card with 5% cash back on rotating categories.

Chase 5% cashback categories for 2019
  • January to March.
    Gas stations, tolls and drugstores.
  • April to June.
    Grocery stores (excludes Walmart and Target) and home improvement stores.
  • July to September.
    Gas stations and select streaming services.
  • October to December.
    Department stores, PayPal and Chase Pay.
Chase reveals its 5% categories as we approach the activation date.

Which card is better?

It all comes down to your preference. If you spend more in the categories offered by Chase Freedom®, 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.

Images: Shutterstock

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