by Sam Helmy
June 29, 2024
63
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U.S. Bank bonus earning categories for the U.S. Bank Cash+® Visa Signature® Card are currently open for enrollment for July through September 2024. What makes the U.S. Bank Cash+ Visa unique in comparison to similar cards? You get to choose the bonus categories!
Unlike other cards featuring rotating bonus categories assigned by the card issuer, the U.S. Bank Cash+ Visa lets you choose two categories to earn 5% cash back and one category to earn 2% cash back. This flexibility can make the U.S. Bank Cash+ Visa a valuable rewards card as part of a larger earning strategy.
Keep in mind that your selection takes effect three business days after you submit it. So, to take full advantage of your earnings in Q3 2024, you'll want to enroll as soon as possible.
U.S. Bank Cash+® Visa Signature® Card
How to Apply
U.S. Bank Cash+® Visa Signature® Card
Annual Fee$0
Welcome Bonus$200 bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
The U.S. Bank Cash+® Visa Signature® Card delivers customizable cash back rewards, allowing cardholders to earn 5% cash back on the first $2,000 in combined eligible purchases each quarter in two categories of their choice, catering to individual spending habits. Additionally, there's a 2% cash back option on one everyday category, such as gas stations, grocery stores, or restaurants, and 1% on all other eligible purchases. Plus, earn 5% cash back on prepaid air, hotel, and car bookings through the Rewards Travel Center.
- Earn a $200 bonus after spending $1,000 in eligible net purchases within the first 90 days of account opening.
- 5% cash back on your first $2,000 in eligible net purchases each quarter on the two categories you choose, 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center, 2% cash back on one everyday category (like gas or groceries), 1% cash back on all other eligible net purchases
- No annual fee
- 5% cash back on your first $2,000 in eligible net purchases each quarter on the two categories you choose
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center
- 2% cash back on one everyday category (like gas or groceries)
- 1% cash back on all other eligible net purchases
U.S. Bank Cash+ Visa 5% Bonus Categories
Each quarter, U.S. Bank Cash+ Visa cardholders can choose two of the following bonus categories in which they will earn 5% back on the first $2,000 of combined spending:
- TV, internet & streaming services
- Fast food
- Cell phone providers
- Department stores
- Home utilities
- Select clothing stores
- Electronics stores
- Sporting goods stores
- Movie theaters
- Gyms/fitness centers
- Furniture stores
- Ground transportation
U.S. Bank Cash+ Visa 2% Bonus Categories
In addition to your two 5% bonus categories, cardholders can choose one of the following categories to earn unlimited 2% cash back:
- Gas & EV charging stations
- Restaurants
- Grocery stores
How the U.S. Bank Cash+ Visa Bonus Categories Work
Rather than the card issuer assigning bonus categories, you can choose your 5% and 2% bonuses each quarter from a list of options. It works like this:
- Select two categories to earn 5% cash back, capped on the first $2,000 of combined eligible purchases. After that, you will earn 1% back.
- Select one category to earn 2% cash back (no earning limit).
- Earn 1% cash back on all other purchases.
Do I need to choose my U.S. Bank Cash+ Visa bonus categories each quarter?
Yes, you need to choose your bonus categories before you can begin earning additional rewards. You can select your bonus categories beginning 45 days before the start of the upcoming quarter. If you forget to select your categories, you have until five days before the end of the current quarter to make your selection.
However, you will not start earning bonus cash back until three business days after choosing your preferred categories. That means you should enroll as soon as possible for Q3 2024.
How do I choose my bonus categories?
There are two ways to register the bonus categories on your U.S. Bank Cash+ Visa:
- Online: Register online at usbank.com/cashplus.
- By phone: Call the U.S. Bank Cardmember Services phone number printed on the back of your credit card and make your selection over the phone.
Our Take
The key to maximizing the value of the U.S. Bank Cash+ Visa is choosing bonus categories based on your other credit cards. To maximize your earnings, you should integrate your 5% and 2% categories into your broader earning strategy.
The best option would be selecting categories where you 1) will spend some money that quarter but 2) don't have another card that offers you high earning rates.
If you already hold other rewards cards featuring rotating bonus categories, such as the Citi® Dividend Card or Chase Freedom Flex℠, you can wait until the bonus categories are released for those cards. Then, you can activate them and choose different bonus categories for your U.S. Bank Cash+ Visa.
For Q3 2024, the Citi Dividend category for 5% cash back is gas stations. Meanwhile, the Freedom Flex categories for Q3 are select live entertainment, movie theaters, and gas stations/EV charging.
Unless you will have significant spending (past the applicable limits) in those categories, it makes sense to choose different categories via U.S. Bank. This way, you can earn 5% cash back in a broader range of categories to help you maximize your points earnings.
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