Who it's for
Cash backNo annual fee
U.S. Bank Cash+ Visa
For power users: pick the right categories quarterly and this beats every other cash back card. Less compelling if you can't be bothered to re-select each quarter. The 5% on cell phone provider category alone returns $50+/yr for most users.
$724/yrest. value at typical spending
$0annual fee
$0yearly credits
$0fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 1x | $400/mo |
| Groceries | 1x | $600/mo |
| Flights & hotels | 1x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 1x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 3x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Cash back
- Choose TWO 5% cash back categories quarterly from 12 options: TV/internet/streaming, gym, fast food, ground transport, select clothing, cell phone providers, electronics stores, sporting goods, home utilities, movie theaters, furniture, department stores (first $2,000 combined quarterly spend)
- Choose ONE 2% category from: grocery, restaurants, or gas
- 1% cash back on everything else
- No annual fee, no minimum redemption
- Redemption options: statement credit, deposit to U.S. Bank account, or rewards card
Similar cards
- Wells Fargo Active CashNo annual fee$1,159est. value/yr
- Amazon Prime VisaNo annual fee$799est. value/yr
- Apple CardNo annual fee$630est. value/yr
- Amex Blue Cash EverydayNo annual fee$1,072est. value/yr
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