The U.S. Bank Cash+® Visa Signature® Card is a good choice if you want to optimize your everyday purchases in select categories like department stores and gyms/fitness centers. You can choose from a list of categories to earn 5% and 2% cash back which offers more flexibility vs. standard 5% cards.

Point Multipliers

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

5% Cash Back categories include:

• Fast food
• Home utilities
• TV, internet, and streaming
• Department stores
• Cell phone
• Electronic stores
• Sporting goods stores
• Movie theaters
• Gyms/fitness centers
• Furniture stores
• Ground transportation
• Select clothing stores

In addition, you earn 5% cash back on prepaid air, hotel, and car reservations booked directly in the Rewards Center. This is not subject to the $2,000 “cap” from the above categories.

You also earn 2% cash back on one everyday category. Choose from:

• Grocery stores and grocery delivery
• Restaurants
• Gas stations and
  EV charging stations

Plus, earn 1% cash back on all other eligible purchases.

Note that to qualify to earn cash back, you must choose and activate the Cash+ categories. Terms and conditions apply.

Review: U.S. Bank Cash+® Visa Signature® Card

The U.S. Bank Cash+® Visa Signature® Card is ideal for people who want to customize their 5% cash back categories.

Unlike the competitors that only offer 5% on rotating categories – which can be hit or miss (since they’re defined by the bank –, you have the flexibility to pick your categories here.

How to Redeem Cash Back

Cash back can be redeemed in the form of a statement credit or deposit into your U.S. Bank Savings, Checking, or Money Market Account, or as a U.S. Bank Rewards Card ($25 minimum redemption on cash back). 

All cardholders can redeem as a statement credit.

If you want to redeem cash back as cash in your bank account, you’ll need to have a bank account with U.S. Bank.

It’s important to note that cash rewards will expire at the end of the calendar month 36 months after the billing cycle in which they were earned.

Main Takeaway

If you want to earn 5% back and pick your own cash back categories, then the U.S. Bank Cash+® Visa Signature® Card is well worth considering. 

The card earns cash back, and not travel rewards. What you see is what you get and you don’t have to worry about jumping through hoops to redeem points..