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US Bank has announced the bonus earning categories for the US Bank Cash+ Visa Signature Card. What makes the US Bank Cash Plus Card unique in comparison to similar cards? You get to choose the bonus categories!
Unlike other cards featuring rotating bonus categories assigned by the card issuer, the US Bank Cash+ Visa lets you choose 2 categories to earn 5% cash back, and one category to earn 2% cash back. This flexibility can make the US Bank Cash+ Visa a valuable rewards card as part of a larger earning strategy.
US Bank Cash+ Card 5% Bonus Categories
Each quarter, you need to select your 5% bonuses from the list of 12 US Bank Cash Plus categories. You can choose 2 which will earn 5% back on the first $2,000 of combined spending across both selected categories.
- TV, Internet & Streaming Services
- Fast Food
- Cell Phone Providers
- Department Stores
- Home Utilities
- Select Clothing Stores
- Electronics Stores
- Sporting Goods Stores
- Movie Theaters
- Gyms/Fitness Centers
- Furniture Stores
- Ground Transportation
US Bank Cash+ Card 2% Bonus Categories
Choose one of the following categories to earn an unlimited 2% back:
- Grocery Stores
- Gas Stations
How the US Bank Cash Plus Bonus Categories Work
The US Bank Cash+ Visa cash back categories work differently to other credit cards featuring rotating quarterly bonus categories. Rather than having bonus categories assigned by the card issuer, you choose your 5% and 2% bonuses each quarter from a list of 12 possible categories.
- Select 2 categories to earn 5% back cash back, capped on the first $2,000 of combined eligible purchases; after that, you will earn 1% back.
- Select one category to earn 2% cash back (no earning limit)
- Earn 1% cash back on all other purchases
Do I Need to Choose My Cash+ Card Bonus Categories Each Quarter?
Yes, you need to choose your bonus categories before you can begin earning additional rewards. You can select your bonus categories beginning 45 days before the start of the upcoming quarter. If you forget to select your categories, you have until 5 days before the end of the current quarter to make your selection, but you won't start earning bonus cash back until 3 business days after you choose them.
How Do I Choose My Cash+ Card Bonus Categories?
There are two ways to register the bonus categories on your US Bank Cash+ Visa:
- Online: Register online at usbank.com/cashplus.
- Phone: Call the US Bank Cardmember Services phone number printed on the back of your US Bank Cash+ Visa and make your selection over the phone.
The key to maximizing the value of the US Bank Cash+ Visa is choosing the bonus categories based on the other credit cards you have in your wallet. Being able to choose the 5% and 2% categories means you can integrate it into a broader plan to maximize your earning across the board.
If you already hold other rewards cards featuring rotating bonus categories, cards like the Citi® Dividend Card or Chase Freedom®, you can wait until the bonus categories are released for those cards, activate them, and choose different bonus categories for your US Bank Cash+ Visa.
For example, if Citi featured Gas and Car Rentals, and Chase featured Wholesale Clubs and Grocery Stores for the quarter. You could activate those categories on your other cards, then choose another two 5% categories you know will have significant spending in that quarter and direct them to your US Bank Cash+ Visa. Then, wrap up by selecting one of the 2% categories on the US Bank Cash+ Visa that would further boost your earnings depending on your spending patterns.
Figuring out the optimal strategy can take some work, especially if you have multiple 5% earners in your wallet!
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