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U.S. Bank Cash+®
U.S. Bank

U.S. Bank Cash+®

A no-annual-fee cash back card from U.S. Bank.

Cash back only
Annual fee
No annual fee
Welcome bonus
$250 rewards bonus
Min spend
$1,000 in 90 days
Recommended credit
Good (670+)
Network
Visa
Foreign transaction fee
None
Apply on U.S. Bank site8.1/10Our rating · review ›

Rates, fees, and full terms are set by U.S. Bank and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: U.S. Bank application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on gas, streaming, and dining.

⚠ Think twice if

your spending is spread evenly, where a flat-rate card would likely earn you more.

Earning rates

5% cash back on your first $2,000 in combined eligible purchases each quarter in 2 choice categories
5% cash back on prepaid air, hotel, and car reservations booked via Rewards Travel Center
2% cash back on one everyday category (gas/EV stations, grocery stores, or restaurants)
1% cash back on all other eligible purchases
Choose your 5% categories each quarter, options include fast food, home utilities, TV/streaming, cell phones, electronics stores, gyms & sporting goods, furniture, and department stores

Best ways to earn & redeem

Put your gas, streaming, and dining spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its gas rate is among the stronger ones you will find in that category.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

No annual fee
No foreign transaction fees

Alternatives to the U.S. Bank Cash+®

Pairs well with

The U.S. Bank Cash+® earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

Learn more

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the U.S. Bank Cash+® lands.

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