U.S. Bank Cash+

Key facts

• Annual fee$0
• RewardsCash back
• Everything else earns1% back
• Minimum credit score670

Earn rates

One flat rate: 1% back on purchases. The catalog records no bonus categories for this card.

Rotating categories

5% back on up to $2,000 of spend a quarter, in a category you choose (2 categories). The categories must be activated each quarter.

Categories seen in the catalog: Utilities, Streaming, Entertainment, Transit.

Two 5% categories chosen each quarter (combined $2,000 cap): Fast food, Home utilities, TV, internet and streaming, Department stores, Cell phone, Electronics stores, Sporting goods, Furniture stores, Movie theaters, Ground transportation, Gyms/fitness centers, Select clothing stores. Mapped: home utilities, TV/internet/streaming, movie theaters, ground transportation; no matching category for the rest. Category options may change quarterly.

Rates with conditions

• 2% back on Groceries — Only the one 2% everyday category chosen for the quarter (grocery stores and grocery delivery, restaurants, or gas and EV charging stations) (not discount stores/supercenters, wholesale clubs)
• 2% back on Dining — Only the one 2% everyday category chosen for the quarter (grocery stores and grocery delivery, restaurants, or gas and EV charging stations)
• 2% back on Gas — Only the one 2% everyday category chosen for the quarter (grocery stores and grocery delivery, restaurants, or gas and EV charging stations) (not discount stores/supercenters, wholesale clubs)

Through the issuer's travel portal

• 5% back on Travel (air), Travel (hotel), Travel (other)

Signup bonus

$200 after $1,000 of spend in the first 3 months.