US Bank Cash+ Benefits, Credits & Annual Fee

• $200 rewards bonus

  $1,000 in eligible net purchases First 90 days from account opening Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Each merchant’s business is identified by a category code established by Visa. A Purchase will not earn additional rewards if the category code applied to a merchant is in a category that is not eligible for additional rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which Purchases qualify for additional rewards. One-time $200 bonus will be awarded for redemption when you are approved for a new U.S. Bank Cash+® Visa Signature® Card and after eligible Net Purchases totaling $1,000 or more are made to your account within 90 days from account opening. Please allow 1-2 statement billing cycles after you have met the spend requirement for your bonus to be credited to your rewards balance. Existing and previous Cash Rewards accounts do not qualify for this one-time bonus. One-time bonus cash does not apply toward account upgrades. This offer may not be combined with any other bonus offer. Offer is subject to credit approval.

  Checked Oct 14, 2026Source

Bonus Earnings

• 5% Cash Back on Prepaid Travel Reservations5%

  Earn 5% cash back on prepaid flights, hotels, and car rentals. Book directly through the U.S. Bank Travel Center using your Cash+ card to qualify. Reservations booked elsewhere - even on the airline or hotel's own site - won't earn the 5% rate.

  Checked Jul 4, 2026
• 5% Cash Back on Two Chosen Categories5%Enrollment required

  Each quarter, choose any two categories from a list that includes home utilities, streaming services, fast food, cell phone providers, and more, to earn 5% cash back. Combined spending across both chosen categories is capped at $2,000 per quarter; purchases beyond that earn 1%.

  Checked Sep 14, 2026
• 2% Cash Back on One Chosen Category2%Enrollment required

  Each quarter, select one everyday category - gas stations and EV charging, restaurants, or grocery stores - to earn 2% cash back on all purchases in that category. There's no spending cap, so every dollar you spend there earns at the 2% rate.

  Checked Sep 14, 2026
• 1% Cash Back on All Other Eligible Purchases1%

  Earn 1% cash back on everyday purchases that don't qualify for the 5% or 2% bonus categories. It applies automatically to all other eligible spending - no activation needed. There's no cap on how much you can earn at this rate.

  Checked Jul 4, 2026

Fees & Miscellaneous

• Cash-back Deals

  Get extra cash back from brands through personalized offers based on your past spending. Find the offers in the U.S. Bank mobile app or online banking, activate the ones you want, then pay with your card at the participating merchant.

  Checked Oct 9, 2026
• Flexible Cash Back Redemption

  Redeem your earned cash back as a statement credit, a rewards card, or a deposit into a U.S. Bank checking or savings account. Choose your preferred option when you redeem your rewards. Direct deposit is limited to U.S. Bank checking or savings accounts.

  Checked Oct 7, 2026
• No Annual Fee

  No annual fee on the U.S. Bank Cash+ Visa Signature card.

  Checked Oct 7, 2026