This card might be right for you if you want to earn the highest cash back on select categories.
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
- TV, Internet, and Streaming Services
- Home utilities
- Select clothing stores
- Cell phone providers
- Electronic Stores
- 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
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
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® and Discover it® Cash Back are the other two credit cards with 5% cash back on rotating categories. The main difference between these two and the U.S. Bank Cash+™ Visa Signature® Card is that you choose your categories with the latter.
Discover 5% cashback categories for 2019
- January to March
- April to June
Gas stations, Uber and Lyft.
- July to September
- October to December
Chase 5% cashback categories for 2019
- January to March.
Gas stations, tolls and drugstores.
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® or Discover it® Cash Back, 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.