Last updated: 8/19/2020

U.S. Bank Cash+

Earns: Cash Back

GigaTake:

An interesting card if you’re up for putting in some work. Each quarter, you can pick two categories that will earn 5% cash back and one more that will get 2%. We don’t have that kind of time to spend on optimizing, but maybe you do.

Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} Cash Back
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

See how the U.S. Bank Cash+ compares to other credit cards

U.S. Bank Cash+ Other Cards


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Reward Rate = 1x

Value = 1 cent per point
Effective Value = 1 %

0%
3%

Welcome Bonus = 15,000

Value = 1 cent per point
Effective Value = $150

$0
$1800

Annual Fee = $0

$0
$995
Welcome Bonus
$150

OK

Bonus Rating

Cash Back

After you spend $500 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
1% All Spending

OK

OK

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Cash Back
Gigapoints Value
1¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $0
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

5% Cash Back

Get 5% cash back on your first $2,000 in combined eligible net purchases each quarter on two categories you choose.

2% Cash Back

Get 2% cash back on one everyday category.

The Fine Print

INTRO APR FOR BALANCE TRANSFERS 0% for 12 months
PURCHASES APR 13.99% to 23.99%
BALANCE TRANSFER APR 13.99% to 23.99%
BALANCE TRANSFER FEE Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
CASH ADVANCE APR 23.99%
CASH ADVANCE FEE Either 4% of the amount of each advance or $10 minimum, whichever is greater.
LATE PAYMENTS Up to $40.
FOREIGN TRANSACTION FEE 3%