U.S. Bank is one of the largest financial services companies in the U.S. Offering a fully integrated suite of products and services across all financial sectors, from commercial lending to wealth management and corporate credit, this Minneapolis-based company is surely one of the most well-known out there.
And while they haven’t made big splashes in the space of rewards and travel credit cards, they do offer a series of lending products in their portfolios.
Many U.S. Bank customers are searching for cash-back rewards (along with low-interest) credit cards, and 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. Between Altitude Rewards, Cash+ Rewards, Business Cash Rewards, and Flexperks, it’ll get really confusing, really fast.
So if you’re looking for a definitive, authoritative list of the best cash-back credit cards offered by U.S. Bank, look no further!
But before we dive into that, let’s go through what the differences are between the various cash-back programs U.S. Bank offers.
In this guide, we’ll be examining a total of 3 cash-back programs:
- Cash+ Rewards
- Business Cash Rewards
- Leverage Rewards
All of them are, for the most part, the same in concept. You’ll notice variances in a lot of the little details, like expiration policies, minimum redemption amounts, and more.
In the end, you should choose the credit card option that gives you the best rewards for your customized spending habits.
Hot Tip: U.S. Bank offers credit cards that earn points as rewards, which can then be redeemed for cash-back — these will be out of the scope of this guide, as we are focusing on true cash-back credit cards.
The 2 Best U.S. Bank Cash-back Personal Credit Cards
Image Credit: U.S. BankCurrently, U.S. Bank offers 2 cash-back credit cards on the personal side. Keep in mind that U.S. Bank has a number of other personal credit cards that earn rewards, such as those that earn Altitude Rewards, Flexperks Rewards, and more.
But for all intents and purposes, there are 2 true cash-back credit cards on the personal side:
| 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 Travel 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
|
1. U.S. Bank Cash+® Visa Signature® Card
Our first credit card is the U.S. Bank Cash+ Signature card, which is famous for its bonus categories, low fees, and solid cash-back rewards.
As of now, this credit card has a sizable cash-back bonus, plus a 0% introductory APR on purchases and balance transfers.
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 Travel 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 are 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
Every quarter, you can choose 2 of these categories — you can also keep your existing categories the same without a need to change them every quarter.
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 as a U.S. Bank Rewards Card (essentially a prepaid gift card).
2. U.S. Bank Cash+® Visa Secured Card
The U.S. Bank Cash+ Secured card is identical to the U.S. Bank Cash+ Signature card minus the Visa Signature benefits and the revolving credit limit.
To be specific, it also 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 Travel 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
The list of 5% cash-back categories is in the above section — but being a secured card, the credit limit you get is dependent on the size of your security deposit, which can be anywhere from $300 to $5,000.
Use this card to build your credit — of course, you can always set up autopay, utilize contactless payments, get fraud protection and zero fraud liability, and even choose your payment due date to align with your situation!
Hot Tip: Check out our guide to the best secured credit cards for those with bad credit or no credit!
The 2 Best U.S. Bank Cash-back Business Credit Cards
Image Credit: U.S. BankNow that we’ve wrapped up 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!
| Card | Welcome Bonus and Annual Fee | Benefits for Cash-back |
| U.S. Bank Business Triple Cash Rewards Visa® Card | - Limited Time Offer: Earn $500 in cash back. Just spend $4,500 in the first 150 days of opening your account.
- Annual fee of $0
| - 5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Travel 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
|
| 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
- Annual fee of $0 for the first year, $95 thereafter
| - 5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Travel Center
- 2% cash-back in the top 2 categories where you spend the most each month automatically
- 1% cash-back on all other purchases
|
1. U.S. Bank Business Triple Cash Rewards Visa® Card
The U.S. Bank Business Triple Cash Visa card has a solid welcome bonus 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 Business Triple Cash Visa card also 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.
2. U.S. Bank Business Leverage® Visa Signature® Card
The U.S. Bank Business Leverage card generally offers the highest welcome bonus on U.S. Bank cash-back credit cards.
If your business expenses are predictable, this credit card is a great way to get an unlimited 2% cash-back on certain bonus categories. First of all, you’ll earn up to 5% cash-back as shown here:
- 5% cash-back on prepaid hotels and car rentals booked through the Travel Rewards Center
- 2% cash-back in the top 2 categories where you spend the most each month automatically
- 1% cash-back on all other purchases
As usual, U.S. Bank ExtendPay is offered here, as is 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 pure-play cash-back credit cards at U.S. Bank is relatively small.
And 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 without an annual fee, which is huge.
We hope that you’ve found this guide useful in helping you learn about the best U.S. Bank cash-back credit cards, whether you’re looking for a personal card or a business product.
The information regarding the U.S. Bank Cash+® Visa Signature® Card, U.S. Bank Cash+® Visa Secured® Card and U.S. Bank Business Leverage® Visa Signature® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
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