U.S. Bank Cash+ Visa Signature
Pick your own two 5% categories every quarter.
Welcome Bonus
$200
≈$200 value
Spend Requirement
$1,000
in 3 months
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Current offer note: $200 cash back
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xTwo categories you choose each quarter
- 5xPrepaid air, hotel and car rentals via the U.S. Bank rewards center
- 2xOne everyday category (gas, grocery or restaurants)
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Category menu includes utilities, internet/cable/streaming, cell phone and home utilities, which most 5% cards never offer
- ✦Pairs with other U.S. Bank cards for category coverage
Why it earns its spot
- +You choose the 5% categories instead of a bank calendar
- +Utilities and cell phone at 5% is rare
- +No annual fee
Where it costs you
- −Quarterly activation required or you earn 1%
- −$2,000 quarterly cap on the 5% spend
- −3% foreign transaction fee
The Compound Verdict
The best choose-your-own 5% card on the market because the menu covers bills other cards ignore. Set it to utilities and cell phone, activate each quarter, and it quietly outearns flashier cards. Forget to activate and it is a 1% card.
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