U.S. Bank Cash+ Visa Signature
5% Two Categories, 2% One Category
Annual Fee
$0
Earning Rate
5% on two categories you choose each quarter (first $2,000 combined) • 2% on one category (gas & ev charging, restaurants, grocery stores) • 5% prepaid air, hotels & car rentals via U.S. Bank Rewards Center • 1% everything else
Welcome Bonus
$200 after $1,000 spend in 3 months
Card Material
Plastic card with matte finish • colors: Blue
Practical Recommendation
Cash+ is great if you're willing to set (and reset) categories. Two 5% picks per quarter can be powerful, and the 2% lane covers a daily spend area. Add the portal-only 5% for prepaid travel when prices match booking direct.
If you don't want quarterly homework or you'll miss activations, a simple 2% card is safer. If you'll hit the $2,000 quarterly cap often at useful categories, this can beat most flat-rate cards.
Perks
- Earning, at a glance – 5% on two categories you select each quarter (first $2,000 combined), 2% on one everyday category (gas & ev charging, restaurants, or grocery stores), 1% everywhere else, plus 5% on prepaid air, hotels, and car rentals booked in the bank's Rewards Center.
- Quarterly activation – You must choose categories every quarter; changes can take up to a few business days to apply. If you don't activate, you earn 1% that quarter.
- 5% category options (examples) – fast food, home utilities, tv/internet/streaming, department stores, cell phone, electronics, sporting goods, movie theaters, gyms, furniture, ground transportation, select clothing stores.
- Shopping Deals portal – Optional browser extension/portal with extra cash-back offers at 1,100+ stores; stack it with your base earn.
- Real-Time Rewards – Enroll to wipe eligible purchases by replying to a text after they post; instant, simple redemptions.
- Redemptions – Statement credit, deposit to U.S. Bank checking/savings, or rewards card. Cash rewards expire 36 months after the billing cycle in which they're earned.
- Foreign transaction fee – 3%; leave this one at home for international travel.
Protections
- Rental car insurance (secondary collision damage waiver) – Covers damage/theft to the rental car when you pay with the card; secondary to your auto policy; not liability coverage.
- Purchase protection – Helps with theft or accidental damage on eligible new items for a short window after purchase; limits/exclusions apply.
- Extended warranty – Adds extra warranty time on eligible purchases beyond the manufacturer's coverage; caps and exclusions apply.