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![The 4 Best U.S. Bank Cash-back Credit Cards [2023]](https://upgradedpoints.com/wp-content/uploads/2022/06/US-Bank.jpeg?auto=webp&disable=upscale&width=1420&height=650&fit=crop)
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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.
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:
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.
Currently, 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 |
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| U.S. Bank Cash+® Visa Secured® Card |
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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.
This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.
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.
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:
Although the 5% cash-back categories may change from time to time, they are usually the following:
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).
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:
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!
Now 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 |
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| U.S. Bank Business Leverage® Visa Signature® Card |
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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:
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.
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:
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.
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 Business Leverage® Visa Signature® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the U.S. Bank Cash+® Visa Signature® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
In general, the U.S. Bank Cash+ Signature card is reserved for those with at least good credit (700 or higher). It actually helps to have an existing banking relationship with U.S. Bank, but 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.
In general, 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). In some cases, there is a minimum redemption amount, such as $25.
The categories from the U.S. Bank Cash+ Signature card 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:
The 2% cash-back categories are consistently these:
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.
In general, it depends. 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 on which they were earned at the end of the calendar quarter at 11 p.m. CST. On the other hand, rewards earned from the U.S. Bank Business Triple Cash Visa card do not expire as long as your account is open and in good standing.
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Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.
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