US Bank Cash+ Visa Signature
Last updated: June 20, 2026. Verify current terms with US Bank before applying, booking, or relying on coverage.
Earning structure
- 5%First $2,000 in combined eligible purchases per quarter in two chosen categories (from the eligible category list). Purchases above $2,000 combined revert to 1% for that quarter.
- 2%One chosen everyday category: gas stations and EV charging stations, grocery stores, or restaurants. No quarterly spending cap applies to the 2% category.
- 1%All other eligible purchases.
Card snapshot
What the card is built around
The Cash+ Visa Signature is a no-fee cash back card built around quarterly category selection. Each quarter, cardholders pick two categories from a list of fifteen for 5% cash back on the first $2,000 in combined eligible purchases across those two categories. That structure allows you to shift earn toward whichever spending is heaviest in a given period — home utilities in winter, hotels during a vacation quarter, or fast food and streaming as year-round staples.
The 2% everyday category adds a second layer of above-base earning without a quarterly spending cap. For cardholders who use the card intentionally — selecting relevant categories before each quarter and tracking the $2,000 combined limit — the Cash+ can deliver strong cash back rates across discretionary categories with no annual fee to offset.
Quarterly $2,000 cap
The 5% rate applies to the first $2,000 in combined eligible purchases across both chosen 5% categories per quarter. At $2,000 per quarter, a cardholder earning the full 5% cap earns up to $100 in cash back per quarter from the 5% tier — $400 annually at maximum.
Category selection timing
Categories must be selected before the start of each quarter to earn at the elevated rate for that period. Verify enrollment deadlines in your US Bank online account. Purchases made before category selection may earn only 1%.
Redemption options
Cash back accumulates as US Bank Rewards Points. Points can be redeemed for a statement credit, direct deposit to a US Bank account, or gift cards. Verify minimum redemption amounts and gift card options in your US Bank account or at usbank.com.
Eligible 5% categories
Fit checklist
- You want a no-annual-fee cash back card and are willing to select categories each quarter to maximize earn.
- Your spending aligns with at least two of the fifteen eligible 5% categories each quarter.
- Your combined spending in the two chosen 5% categories stays near or at $2,000 per quarter to capture the full potential of the elevated rate.
- You consistently spend in one of the three available 2% everyday categories: gas/EV stations, grocery stores, or restaurants.
- You are comfortable tracking quarterly enrollment deadlines and adjusting categories as your spending changes.