US Bank Cash Plus Visa Signature

By Raquel Oliveira • 03/11/2025

US Bank Cash Plus Visa Signature Maximize cashback on various purchases effectively.

The US Bank Cash Plus Visa Signature Credit Card is an excellent option for individuals who want to maximize their cash back earnings on a variety of purchases. 

With the ability to earn 5% cash back on select categories and 2% on one everyday spending category, this card provides great flexibility for those who want to earn top rewards in specific areas. 

Whether you’re spending on groceries, dining, or travel, the US Bank Cash Plus card helps you earn significant cash back on your purchases.

What sets this card apart is its rotating 5% cash back categories, which allow you to earn the highest rewards on categories like gas stations, grocery stores, and streaming services, up to a quarterly spending limit.

Unique Feature of the US Bank Cash Plus Visa Signature Credit Card

The unique feature of the US Bank Cash Plus Visa Signature Credit Card is its rotating 5% cash back categories, allowing you to earn high rewards on categories that change every quarter. 

You can choose from a list of categories such as gas stations, restaurants, grocery stores, or streaming services, which means you can tailor the card’s rewards to your personal spending habits.

Pros and Cons

Pros:

• 5% cash back on rotating categories: Earn high rewards on categories like gas, groceries, and streaming, up to a quarterly limit.
• 2% cash back on one everyday category: Choose from categories like dining, travel, or pharmacy to earn higher rewards.
• No annual fee: Enjoy the benefits of cash back without paying an annual fee.
• Cell phone protection: Get coverage for damage or theft of your cell phone when you pay your monthly bill with the card.
• Extended warranty: Enjoy an extended warranty on eligible purchases.

Cons:

• Rotating categories require activation: You must activate the 5% cash back categories each quarter.
• Spending cap on 5% categories: There’s a quarterly spending cap for the 5% categories, after which the rewards drop to 1%.
• Foreign transaction fees: The card charges a 3% foreign transaction fee, which could be a disadvantage for international travelers.
• Limited bonus categories: While you can choose one category for 2% cash back, there are fewer options compared to other rewards cards.

How do I know if the US Bank Cash Plus is the best credit card for me?

The US Bank Cash Plus Visa Signature Credit Card is perfect for individuals who want to earn high rewards on select categories, such as gas, groceries, and dining. 

If you’re willing to keep track of the rotating 5% categories and activate them each quarter, this card offers great value. Plus, with 2% cash back on one everyday category of your choice, you can maximize your rewards based on your spending habits.

Why do we like this card?

The US Bank Cash Plus Visa Signature is unique because it allows users to customize their rewards structure. This flexibility makes it ideal for individuals who want to optimize their cashback based on spending habits.

The welcome bonus of two hundred dollars adds immediate value for new cardholders. Since there is no annual fee, cardholders can earn rewards without additional costs, making it a practical long-term option.

The ability to earn five percent cashback on two categories provides a level of customization that most other cashback cards do not offer. This gives cardholders more control over how they earn rewards.

For individuals looking for a cashback card that adapts to their needs, this card offers a smart and effective way to maximize earnings.

How to Maximize Your US Bank Cash Plus Visa Signature

To make the most of this card, choose cashback categories that match your highest expenses. Changing categories each quarter ensures that your rewards align with your current spending habits.

Using the card for purchases that fall within the five percent cashback categories will help maximize earnings. Staying within the spending cap of two thousand dollars per quarter will allow you to receive the most rewards.

Selecting a two percent category for everyday expenses, such as dining or gas, ensures additional cashback on frequent purchases. Planning your spending strategy can further increase overall savings.

By staying informed about cashback category options and managing spending strategically, cardholders can optimize their earnings while keeping costs low.