U.S. Bank Cash+ Visa Signature Card
U.S. Bank · Visa · No annual fee · Earns Cash Back
Choose two 5% categories each quarter.
Rates verified August 16, 2026 · Issuer source: usbank.com
Rewards by category
| Category | Rate |
|---|---|
| FlightsBook via U.S. Bank Travel Center | 5% |
| HotelsBook via U.S. Bank Travel Center | 5% |
| Other TravelBook via U.S. Bank Travel Center | 5% |
| Transit & RideshareChoose this category · up to $2,000/qtr (combined) | 5% |
| StreamingChoose this category · up to $2,000/qtr (combined) | 5% |
| EntertainmentChoose this category · up to $2,000/qtr (combined) | 5% |
| Department StoresChoose this category · up to $2,000/qtr (combined) | 5% |
| ElectronicsChoose this category | 5% |
| FurnitureChoose this category | 5% |
| Phone & InternetChoose this category · up to $2,000/qtr (combined) | 5% |
| UtilitiesChoose this category | 5% |
| ClothingChoose this category · up to $2,000/qtr (combined) | 5% |
| Sporting GoodsChoose this category · up to $2,000/qtr (combined) | 5% |
| Gyms & FitnessChoose this category · up to $2,000/qtr (combined) | 5% |
| DiningChoose this category | 2% |
| GroceriesChoose this category | 2% |
| GasChoose this category | 2% |
| Everything else | 1% |
Our take
The U.S. Bank Cash+ Visa Signature Card is built for households with predictable bills. You choose two 5% categories each quarter, and the two that matter most here are utilities and gas: SwipeCaddy's engine ranks this card first for utilities and third for gas. Because it earns straight cash back with no annual fee, every dollar of that 5% is real money, not points needing a valuation.
The tradeoff is homework. Neither 5% rate is automatic: both gas and utilities carry a choose-this-category requirement, and the selection resets every quarter. Gas is also capped at $2,000 in purchases per quarter, so the most that tier can return is about $100 every three months. There is no signup bonus, and the base rate on everything else is a thin 1%.
That 1% floor is the reason this card works best as a specialist, not a daily driver. Put your utility bills and gas fill-ups on it, then route groceries, dining, and everything unpredictable to a flat-rate card that pays more than 1% everywhere. A two-card setup like that keeps the Cash+ doing the job it's built for: 5% on bills you were going to pay anyway.
The math
Run $250 a month of flights through this card and you're earning about $150 a year at our conservative valuations. There's no annual fee to earn back — everything above the 1% base rate is pure upside.
Where it lands in our rankings: #1 for clothing · #1 for sporting goods · #1 for gyms & fitness
Sign-up bonus
200 Cash Back after $1,000 spend in 90 days.
Common questions
- Does U.S. Bank Cash+ Visa Signature Card have an annual fee?
- No — U.S. Bank Cash+ Visa Signature Card has no annual fee.
- What does U.S. Bank Cash+ Visa Signature Card earn on flights?
- 5% on flights (book via u.s. bank travel center).
- What rewards does U.S. Bank Cash+ Visa Signature Card earn on everything else?
- 1% on all other purchases, in Cash Back.
- Is there a spending cap on the Cash+ 5% categories?
- Gas shows a cap: the 5% rate applies to up to $2,000 in purchases per quarter, which works out to a ceiling of about $100 in cash back every three months. The utilities listing shows no cap, only the requirement to choose the category. If your fuel spending runs high, track it against that quarterly limit.
- Do I have to pick my Cash+ categories every quarter?
- Yes. The card's structure is choose-two: you select two 5% categories each quarter, and both gas and utilities carry that choose-this-category condition. The elevated rate is tied to making the selection, so this is not a set-and-forget card. Put a recurring reminder on your calendar at the start of each quarter before the bills hit.
Rewards details verified recently; issuer terms can change — confirm on the issuer's site before applying. Card names, logos, and the pages we link to belong to their respective owners. SwipeCaddy is not an affiliate and earns no commission from card sign-ups.