U.S. Bank Cash+ Visa Signature
By Alex Compton · Last verified
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; the September 2026 $250 bump has rolled back
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Consider waitingThis card has offered $250 before; the current $200 is right at its typical $200. Elevated offers have appeared 1 time in the last two years of our data, so if you can wait, history is on your side.
Current offer
$200
All-time high
$250
Typical offer
$200
In place since
November 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-11-02 | $200 | $1,000 in 3 mo | Bonus decreased: $250 → $200Freshness-rotation CHANGE: US Bank's own product page now shows a $200 bonus after $1,000 spend in 90 days; NerdWallet and The Points Guy independently agree. The $250 bump from September 2026 is gone. | US Bank Cash+ product page, checked November 2, 2026 → |
| 2026-09 | $250 | $1,000 in 3 mo | Bonus increased: $200 → $250Increased to $250 cash back | Archive record · no attached snapshot |
| 2026-06 | $200 | $1,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2024-03 | $200 | $1,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2022-01 | $200 | $1,000 in 3 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
Guide-only fee and ongoing rewards check October 23. Does not renew full card, current welcome offer, APR or approval claims.
Issuer terms for no-annual-fee guide →
Source checked 2026-11-02 · spot an outdated offer? Report a correction above.
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Earning Rates
- 5xTwo categories you choose each quarter$2,000 combined cap per quarter, activation required
- 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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