US Bank
US Bank Cash+
No annual fee
A no-annual-fee cash back card that lets you pick your own bonus categories each quarter. Best for people who want to maximize 5% cash back in specific spending areas like utilities, streaming, or fast food.
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Travel general | 5x | |
| Everything else | 1x |
Benefits
Welcome Bonus
- Welcome Cash Back Bonus$200
Earn a one-time $200 cash back bonus by spending at least $1,000 on eligible purchases within the first 90 days of opening your account. The bonus is credited to your rewards balance within 1-2 billing cycles after you meet the spending requirement.
Bonus Earnings
- 5% Cash Back on Prepaid Travel Reservations5% / yr
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.
Resets: Yearly - 5% Cash Back on Two Chosen Categories
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%.
Resets: Quarterly - 2% Cash Back on One Chosen Category
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.
Resets: Quarterly - 1% Cash Back on All Other Eligible Purchases1% / yr
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.
Resets: Yearly