US Bank Cash Plus Card 2019 Category Choices

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US Bank has announced the bonus earning categories for the U.S. 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 U.S. 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 U.S. Bank Cash+ Visa a valuable rewards card as part of a larger earning strategy.

US Bank Cash Plus Categories

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
  • Restaurants

How the US Bank Cash Plus Bonus Categories Work

The U.S. 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

USBank Cash Plus Categories

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 U.S. 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 U.S. Bank Cash+ Visa and make your selection over the phone.

Our Take

The key to maximizing the value of the U.S. 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 U.S. 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 U.S. Bank Cash+ Visa. Then, wrap up by selecting one of the 2% categories on the U.S. 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!

US Bank Cash Plus Card 2019 Category Choices
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Comments

  • Thanks for letting us know.

  • Thanks. I wasn’t aware of this, and it looks interesting, Purchasing gift cards from a category merchant during the 5% period can extend your 5% past the end of the period. I believe the 5% at warehouse stores isn’t limited to the Discover It card, but is available on all Discover cards, and is also listed as a 5% category in the 4th quarter.

  • I guess it works if you know which categories you will spend at least $2000 in 2018.

  • This would be a good arrow in your credit card spend quiver but we must take into account “The 5% earning is capped at the first $2,000 of combined eligible spending; after that, you will earn 1% back.” So, if you are shooting for 5% overall this is only good for $2,000 of the 5% level.

  • Thanks. I’ve never heard of US Bank. This looks like something worth a try.

  • deerseason says:

    I never got this card after my Freedom and Discover It, and now i’m trying to think of what 2 other categories I spend 2000 total on, and I’m having a hard time figuring it out… I feel like I’d just end up overspending on, say, electronics stores, just to feel like I’m maximizing the bonus. Restaurants and Gas stations are the only categories of all of those I’d want all year versus the quarterly bonuses the Freedom and It offer.

  • The ability to choose is great, but if I’m reading this right, the 5% spend is capped a $2k for the year, and that’s is rather paltry.

  • Credit card rotational after you fill up your per card bonuses – Nice! Thanks.

  • Allowing the choice is helpful and interesting but the cap makes it not as much.

  • I also would have a difficult time figuring out which categories I would use for the 5%. I don’t think I would get close to the maximum for any of them. This is probably not a card I need to add to my extensive collection!

  • Can you change the categories quarterly, or only select them when you sign up? If you can change them it would get a lot more value since you can select things that you aren’t getting 5% with on rotating-category cards like the Discover It.

  • Thank you for the info. Personally, the 5% categories offered are not ones I use consistently enough to warrant joining. The 2% categories I already have with other cards.

  • This is intriguing… wish Chase did the Freedom this way. Although Apple Pay is a pretty nice catch-all category this quarter.

  • how easy is it to qualify for a card from this bank?

  • how long do they take to approve you?

    • Sometimes instant, sometimes not. If you’re not instantly approved you’ll receive a notice indicating how long you should expect to wait for a result. This is the same as every credit card issuer.

  • I love category spending because it’s basically so black and white. You do this, you get that. Works for me.

  • great summary! will keep this card in mind when I’m looking for a new one.

  • Pretty unique feature being able to choose your categories.

  • This sounds a bit complicated but it would be good if you set this credit card for specific types of purchases only

  • Hey, do we have this yet for Chase (for the year)? I think I’ve seen this first quarter’s categories, but I’m wondering about this entire year.

  • I have the US Bank Flexperks card. It offers bonus points (up to 3 points per miles I think) for selected categories. A good feature is that they’ve changed their redemption policy. Instead of a complicated tiered system, you now get 1.5 cents per point toward award travel. For example if you have have 50,000 points you can get a ticket worth $750.

  • Not Really a great deal. First, you only get to choose two of these highly specific categories. Even then, WHO SPENDS 2 THOUSAND DOLLARS AT THESE PLACES EVERY 3 MONTHS???? Seriously ask yourself that. Although (and worth noting) it’s capped at 2k for the combination of both categories, they make it really hard to reach that maximum. If you’re spending 2000 at department stores every 3 months, you have a bigger fish to fry. Why not include plane tickets??? This is only good for when you have a big utility or electronic purchase coming up.

    • I’d argue there are a lot of people who spend $333 per month on at least two of the 5% categories. For folks willing to do a little extra work to monitor their use, this can be a great deal.

  • I use this only for my monthly utility bill ($212) and mobile phone bill ($350). Both are billed directly to my card. So I just leave it in my drawer, as I have better cards for everyday expenses. That’s $84 in rewards a quarter.

  • Does the ground transportation category include car insurance or ride-sharing?

    Does the utilities category include rent or mortgage?

    Does the fast food category includes hello fresh or GrubHub / doordash?

    I would like to use this card to pay a combination of car insurance, cable, rent, electric & water.

    I can easily max out the utilities & ground transport if it includes car insurance, rent & electric/water.

  • Jonathan Karas says:

    posting a comment to see follow-up posts.

  • Do the 12 quarterly categories change, or is it always the same dozen, from which I select two to earn 5%?

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