U.S. Bank · Good credit
U.S. Bank Cash+
Cardholder picks two 5% categories each quarter from a wide list.
Welcome bonus
$200 bonus; CONFIRM current spend threshold and offer amount
Rates & fees unavailable
Terms & pricing
- Annual fee
- $0Rates & fees unavailable
- Purchase APR
- 19.24%–29.24% variable APRRates & fees unavailable
- Intro APR on purchases
- NoneRates & fees unavailable
- Balance transfer
- NoneRates & fees unavailable
- Foreign transaction fee
- 3%
- Welcome bonus value (est.)
- $200Rates & fees unavailable
- Est. first-year value
- $450
- Est. ongoing annual value
- $250
Rewards (Cash back)
5% back on Two Cardholder Chosen 5% Categories
Up to $2,000 per quarter
Categories chosen quarterly from a list
1% back on All Other Purchases
Benefits & protections
No added benefits.
What we'd flag
- 5% categories are capped at $2,000 combined spend per quarter
- Requires active category selection each quarter
Where these numbers come from
Terms retrieved Sep 4, 2026 and verified Sep 7, 2026 by tom.brune@gmail.com.