How do I qualify for U.S. Bank Cash Plus?

The U.S. Bank Cash+ Signature card is generally reserved for those with at least good credit (700 or higher). It helps to have an existing banking relationship with U.S. Bank. Still, you can qualify by responsibly paying your bills on time, using your credit cards responsibly, and keeping your credit card applications as low as possible.

How does cash-back work with U.S. Bank?

When you make purchases on a U.S. Bank card that offers cash-back, you can either log in online or call the number on the back of your card to redeem your cash-back. Usually, cash-back is redeemed in the form of a statement credit or direct deposit (if you have an eligible U.S. Bank account). Sometimes, there is a minimum redemption amount, such as $25.

What are U.S. Bank cash-back categories?

The U.S. Bank Cash+ Signature card categories are viewable by visiting this link and entering your card and personal details. Once you sign in, you can view and activate your cash-back categories. Traditionally, these 5% cash-back categories have been offered: Cell phone providers Department stores Electronic stores Fast food Furniture stores Ground transportation Gyms/fitness centers Home utilities Movie theaters Select clothing stores Sporting goods stores TV, internet, and streaming The 2% cash-back categories are consistently: Gas and EV charging stations Restaurants Grocery stores

How do I get cash from my U.S. Bank Rewards card?

You can redeem your rewards seamlessly, either online in your account dashboard or by calling the number on the back of your card. Additionally, you can also use cash advances to pull cash from your card by using it at an ATM, but this comes with a high interest rate.

Does U.S. Bank cash-back expire?

Cash-back earned on the U.S. Bank Cash+ Signature card expires 36 months after the billing cycle in which they were earned. In contrast, cash-back earned on the U.S. Bank Business Leverage card expires 5 years from the date they were earned at the end of the calendar quarter at 11 p.m. CST. Rewards earned from the U.S. Bank Triple Cash Visa Business card do not expire if your account is open and in good standing.

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Credit Cards

The 5 Best U.S. Bank Cash-Back Credit Cards [2025]

Updated: March 6, 2025, 6:52am CST

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Table of Contents

What To Look for in a U.S. Bank Cash-Back Credit Card
Best Cash-Back Personal Cards
Best Cash-Back Business Cards
Final Thoughts

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U.S. Bank is one of the largest and most well-known financial services companies in the United States. This Minneapolis-based bank offers a fully integrated suite of products and services across all financial sectors, from commercial lending to wealth management and corporate credit.

While U.S. Bank hasn’t made a big splash in the rewards and travel credit card space, it offers a portfolio of lending products.

Many U.S. Bank customers want basic cash-back rewards (along with low-interest) credit cards. If you don’t want to deal with the hassle of credit card points and miles, you’ll want to follow this guide closely.

What To Look for in a U.S. Bank Cash-Back Credit Card

U.S. Bank has a relatively fragmented set of credit card rewards systems. It can get confusing between Altitude Rewards, Cash+ Rewards, Business Cash Rewards, and Flexperks.

You’re in the right place if you’re looking for a definitive, authoritative list of the best cash-back credit cards U.S. Bank offers.

Ultimately, you should choose the credit card option that gives you the best rewards for your specific spending habits.

Hot Tip: U.S. Bank offers credit cards that earn points as rewards, which can be redeemed for cash back. This guide doesn’t cover those cards, as we focus on true cash-back credit cards.

Best Cash-Back Personal Cards

U.S. Bank offers 3 personal cash-back credit cards and several other personal credit cards that earn rewards, such as Altitude Rewards, Flexperks Rewards, and more.

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Card	Welcome Bonus and Annual Fee	Benefits for Cash-Back
U.S. Bank Cash+^® Visa Signature^® Card	Earn a $200 bonus after spending $1,000 on eligible purchases within the first 120 days. Annual fee of $0	5% cash-back on your first $2,000 in combined eligible purchases every quarter on 2 categories you choose 5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Center 2% cash-back on one everyday category like gas stations and EV charging stations, grocery stores, or restaurants 1% cash-back on all other purchases
U.S. Bank Cash+^® Visa Secured^® Card	No welcome offer available Annual fee of $0	5% cash-back on your first $2,000 in combined eligible purchases every quarter on the 2 categories you choose 5% cash-back on prepaid air, hotel, and rental car reservations booked directly through the Rewards Center 2% cash-back on 1 everyday category, such as gas stations and EV charging stations, grocery stores, and restaurants 1% cash-back on all other purchases
U.S. Bank Smartly™ Visa Signature^® Card	No welcome offer available $0	Earn 2% to 4% cash-back on all purchases depending on your cumulative average balance in eligible U.S. Bank accounts

U.S. Bank Cash+ Signature Card

Our first credit card is the U.S. Bank Cash+ Signature card, famous for its bonus categories, low fees, and solid cash-back rewards.

U.S. Bank Cash+^® Visa Signature^® Card

U.P. Rating

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.

U.S. Bank Cash+^® Visa Signature^® Card

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.

Welcome OfferEarn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
$200

Annual Fee

APR

0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.49% - 29.74% (Variable).

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The U.S. Bank Cash+^® Visa Signature^® Card is a great card for those looking to maximize their cash-back rewards by earning up to 5% back from a variety of expense categories.

The cardholder gets to choose 2 categories every quarter. It’s also the best cash-back card to use for utility bills, a tricky expense to get solid rewards back for.

Pros & Cons

Pros

5% cash-back across a large range of expense categories (you choose 2 categories every quarter), including utility bills (a rare perk for a credit card), home utilities, cell phone providers, fast food, TV, internet and streaming services, gym/fitness centers, and more
5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Center
2% cash-back on 1 everyday category, including grocery stores, restaurants, and gas stations

Cons

Your 5% cash-back rewards on the top 2 categories of your choosing are limited to $2,000 in combined eligible purchases each quarter
Cash-back for travel expenses must be made through the Rewards Center

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Card Highlights

$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
1% cash back on all other eligible purchases
0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.49 – 29.74%
No Annual Fee
Terms and conditions apply.

Financial Snapshot

APR: 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.49% - 29.74% (Variable).
Foreign Transaction Fees: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars or 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency

This credit card offers a sizable cash-back bonus and a 0% Intro APR on purchases and balance transfers for the first 15 billing cycles, then a variable APR of 19.74 - 29.74%.

But what you’re probably looking for is the earning structure:

5% cash-back on your first $2,000 in combined eligible purchases every quarter on the 2 categories you choose
5% cash-back on prepaid air, hotel, and rental car reservations booked directly through the Rewards Center
2% cash-back on 1 everyday category, like gas stations and EV charging stations, grocery stores, and restaurants
1% cash-back on all other purchases

Although the 5% cash-back categories may change from time to time, they’re usually the following:

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

You can choose 2 of these categories every quarter or keep your existing ones unchanged.

This credit card offers the ability to pay over time through ExtendPay, which can split your eligible purchases of at least $100 into equal monthly payments.

Since this card is a Visa Signature card, standard benefits and protections apply, such as purchase protection, extended warranty, and zero liability fraud protection.

Rewards can be used as a statement credit, direct deposit to your U.S. Bank checking, savings, or money market account, or a U.S. Bank Rewards Card (essentially a prepaid gift card).

U.S. Bank Cash+ Secured Card

The U.S. Bank Cash+ Secured card is identical to the U.S. Bank Cash+ Signature card, except it lacks Visa Signature benefits and a revolving credit limit.

It earns:

5% cash-back on your first $2,000 in combined eligible purchases every quarter on the 2 categories you choose
5% cash-back on prepaid air, hotel, and rental car reservations booked directly through the Rewards Center
2% cash-back on 1 everyday category, such as gas stations and EV charging stations, grocery stores, and restaurants
1% cash-back on all other purchases

Since this is a secured card, your credit limit depends on the size of your security deposit, which can be anywhere from $300 to $5,000.

Use this card to build your credit. You can set up autopay, utilize contactless payments, get fraud protection and zero fraud liability, and even choose your payment due date.

Hot Tip: Check out our guide to the best secured credit cards for those with bad or no credit!

U.S. Bank Smartly Card

The U.S. Bank Smartly card initially seems like a standard 2% cash-back card with a $0 annual fee. However, cardholders with $100,000 or more in assets with U.S. Bank can boost this cash-back rate by 100% to an industry-leading 4% cash-back on all purchases.

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Assets With U.S. Bank	Cash-Back Earnings Boost	Cash-Back Rate on All Purchases
Less than $5,000	None	2%
$5,000 to $49,999	25%	2.5%
$50,000 to $99,999	50%	3%
$100,000 or more	100%	4%

Although all funds must be in U.S. Bank accounts, you don’t have to hold all funds in a single account. They can be a cumulative total across all your eligible U.S. Bank accounts, which include consumer checking accounts, money market savings accounts, savings accounts, CDs or IRAs, U.S. Bancorp Investments, or personal trust accounts.

These cash-back rates are only valid when you redeem your rewards into an eligible U.S. Bank deposit account and not if you redeem for a statement credit or other redemption method.

That said, the U.S. Bank Smartly card might easily be the best cash-back rewards card for those who qualify for the highest rewards tier. No other card can offer you an uncapped 4% cash-back on all purchases with a $0 annual fee.

Best Cash-Back Business Cards

Now that we’ve covered the U.S. Bank personal cash-back credit cards, let’s look at our favorite business credit card options that earn cash-back from U.S. Bank!

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Card	Welcome Bonus and Annual Fee	Benefits for Cash-back
U.S. Bank Business Triple Cash Rewards Visa^® Card	Earn $750 in cash-back. Just spend $6,000 on the Account Owner’s card in the first 180 days of opening your account Annual fee of $0	5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Center 3% cash-back on eligible purchases at gas and EV charging stations (transactions of $200 or less), office supply stores, cell phone service providers, and restaurants 1% cash-back on all other purchases
U.S. Bank Business Leverage^® Visa Signature^® Card	Earn $750 when you spend $7,500 in eligible purchases in the first 120 days of opening your account $0 Intro Annual Fee for the first year, $95 thereafter	5x points on prepaid air, hotel, and car reservations booked directly in the Rewards Center 2x points in the top 2 categories where you spend the most each month automatically 1x points per dollar on all other purchases

U.S. Bank Triple Cash Visa Business Card

The U.S. Bank Triple Cash Visa Business card has solid welcome bonus offers and a 0% introductory APR on purchases and balance transfers to kick off your card membership.

In addition, it earns up to 5% cash-back:

5% cash-back on prepaid hotels and rental cars booked directly through the Travel Rewards Center
3% cash-back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants
1% cash-back on all other purchases

Interestingly, the U.S. Bank Triple Cash Visa Business card earns a $100 annual statement credit for recurring software subscription expenses, including QuickBooks and FreshBooks.

This credit card offers the ability to use ExtendPay to buy now and pay later, access expense management controls, and utilize contactless payments.

U.S. Bank Business Leverage Card

The U.S. Bank Business Leverage card generally offers the highest welcome bonus offer on U.S. Bank cash-back credit cards.

If your business expenses are predictable, this credit card is a great way to get unlimited 2x points earnings on specific bonus categories. First of all, you’ll earn up to 5x points as shown here:

5x points on prepaid hotels and car rentals booked through the Travel Rewards Center
2x points in the top 2 categories where you spend the most each month automatically
1x points per dollar on all other purchases

This card offers U.S. Bank ExtendPay, spending analysis, and employee card controls. Notably, the U.S. Bank Business Leverage card has no foreign transaction fees, making it easy to spend abroad.

Final Thoughts

The ecosystem of cash-back credit cards at U.S. Bank is relatively small.

While that can be partially attributed to the fragmented landscape of varied rewards systems at U.S. Bank, it can also be attributed to the financial services company offering flagship products and doubling down on them.

For example, the U.S. Bank Cash+ Signature card offers up to 5% cash-back on select categories of your choice, and the U.S. Bank Smartly card can offer up to 4% cash-back on all purchases. Neither charges an annual fee, which is huge.

We hope you’ve found this guide useful in learning about the best U.S. Bank cash-back credit cards, whether you’re looking for a personal card or a business product.