Last updated: 4/26/2024

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

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You could earn	Worth	Plus Welcome Bonus	Total
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–${{annualFeeAmount | number}}Annual Fee

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

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

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${{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

Rewards

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Reward Rate = 1x

Value = 1 cent per point
Effective Value = 1 %

Welcome Bonus = 20,000

Value = 1 cent per point
Effective Value = $200

$1700

Annual Fee = $0

$695

Welcome Bonus

$200 Cash Back

After you spend $1,000 in 4 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article

Spending Rewards

1% All Spending

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.

Try the Analyzer now

0.4¢ PER POINT

2¢+ PER POINT

Annual Fee

Are Annual Fees Worth It?

The GigaPoints Guide to Credit Card Annual Fees Article

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

Additional perks of owning this card

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

Get 2% cash back on one everyday category.

The Fine Print

INTRO APR FOR BALANCE TRANSFERS	0% for 12 months
PURCHASES APR	16.74% – 26.74%
BALANCE TRANSFER FEE	Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
CASH ADVANCE APR	28.24%
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%