US Bank · Visa Signature · Personal
US Bank Cash+
A no-annual-fee card earning cash back: 5× on 4 categories, 1× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- $150Cash bonus
- Top rate
- 5×4 categories
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus cash | $150 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $150 | $0 |
Bonus terms: Earn a $150 rewards bonus after you apply online and spend $1,000 in eligible purchases within the first 90 days of account opening.
Earning structure
6 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Airfare (Portal) | 5× | $5.00 | |
| Car Rentals (Portal) | 5× | $5.00 | |
| Hotels (Portal) | 5× | $5.00 | |
Quarterly Categories Cap $2,000 / 3 moNotes5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose: 1) Fast food, 2) Home utilities, 3) TV, internet and streaming, 4) Department stores, 5) Cell phone providers, 6) Electronic stores, 7) Sporting goods stores, 8) Movie theaters, 9) Gyms/fitness centers, 10) Furniture stores, 11) Ground transportation, 12) Select clothing stores. | 5× | $5.00 | |
Daily Categories NotesEarn 2x on eligible purchases in your choice of one everyday category of: - gas stations and EV charging stations - grocery stores - or restaurants | 2× | $2.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Visa Signature
- Bank
- US Bank
- Point system
- Cash back
- Foreign transaction fee
- Yes
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Application rules1
- Citi 6/6
You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months.
Benefits2 · 0 high value
- Credits & Discounts Up to 5% total cash back on online shopping.
- Instant Perks & Status Flexible Redemption
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 US Bank Cash+ |  US Bank Altitude Connect |  US Bank Shield |  Amazon | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $0Same | $0Same |
| Signup bonus | $150 | 20,000 pts | None | $50 |
| Top rate | 5×4 categories | 5×Car Rentals (Portal), Hotels (Portal) | 4×3 categories | 3×4 categories |
| Travel value * | –Cash back | 1¢Altitude Rewards (Connect) | –Cash back | –Cash back |
| Why it’s here | This card | Also no annual fee | Also no annual fee | Also no annual fee |
Video and discussion
Nothing plays until you press play.
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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