U.S. Bank Cash+® Visa Signature® — customize your cash back today

Pick your top spending categories each quarter, earn rich rewards where it matters most, and keep a $0 annual fee.

he U.S. Bank Cash+® Visa Signature® card puts you in charge of how you earn. Instead of one fixed bonus area, you select categories each quarter so your card tracks with real life—utility bills, streaming, fast food, commuting, and more. With straightforward redemptions and no annual fee, it’s a practical, flexible way to turn everyday purchases into cash back.

Benefits

• Two 5% categories (you choose): Each quarter, enroll to earn 5% cash back on your first $2,000 in combined purchases across two selected categories (then 1%). If you don’t enroll, you’ll earn no more than 1% that quarter.
• One 2% everyday category: Also pick one ongoing 2% category (gas & EV charging, grocery stores, or restaurants), with 1% on other eligible purchases.
• Category breadth: Popular 5% choices commonly include TV/internet/streaming, home utilities, ground transportation, cell phone providers, electronics, department stores, fast food, clothing, sporting goods, furniture, movie theaters, and gyms. Category availability can change.
• $0 annual fee & easy management: Pay no annual fee and manage/redeem in U.S. Bank’s Rewards Center.

Quality points: how this helps you

Because you decide where to earn more, you’re not stuck with bonus categories that don’t fit your budget. Planning a move or a road trip? Aim your 5% at utilities or ground transportation. Holiday shopping ahead? Switch to department stores or electronics next quarter. Category selection and redemption live in the Rewards Center, keeping setup and earnings transparent.

Present the potential savings & advantages

Maxing the 5% cap can return up to $100 per quarter on those two categories alone ($2,000 × 5%), before you add any 2% earnings—useful for high-bill months or seasonal spend.

Present the potential savings & advantages

Pair complementary categories—e.g., TV/internet/streaming + home utilities—to monetize fixed bills you already pay. Or combine fast food + ground transportation to capture daily, repeat purchases with minimal effort.

Present the potential safety for the consumer

Visa Signature® benefits may include helpful purchase/travel protections and services (see your Guide to Benefits), adding peace of mind on bigger buys and trips.

Present the potential safety for the consumer

Account alerts and the online Rewards Center help you monitor spending, confirm category enrollment, and redeem smoothly—reducing the chance you miss out on earnings.

Eligibility Criteria (U.S.)

Approval is subject to U.S. Bank credit review. To unlock enhanced earnings, you must enroll in your categories each quarter via the Rewards Center; otherwise, purchases earn no more than 1% for that period. Foreign transactions may incur a fee per the card’s terms. Always review current pricing and program rules before applying.

Application Process

1. Check today’s offer & terms on the official U.S. Bank Cash+ page (rates, fees, intro APR, and any sign-up bonus).
2. Apply online with accurate personal and income information; consent to a credit check.
3. Activate & enroll after approval: go to the Rewards Center and select two 5% and one 2% categories for the current quarter.
4. Align spending: set autopay for utilities/streaming, route commuting or fast-food purchases to the card, and track progress toward the $2,000 quarterly 5% cap.
5. Redeem easily for statement credits or deposits, and revisit your category choices before the next quarter begins.

FQA

1) What happens if I forget to enroll?
All purchases earn no more than 1% for that quarter until you select categories. Enroll every quarter to unlock 5%/2% earnings.

2) Is there an annual fee?
No. The Cash+® Visa Signature® card has a $0 annual fee.

3) What’s the 5% cap?
You’ll earn 5% on the first $2,000 in combined purchases across your two selected 5% categories each quarter; above that, those categories earn 1%.

4) Where do I pick categories?
In U.S. Bank’s Rewards Center (online or app). Category selection moved there for easier management.