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Unlike other cards wth rotating quarterly bonus categories, the U.S. Bank Cash+® Visa Signature® Card lets you choose your own bonus categories! And now's the time to select your bonus categories for July through September 2025.
You can select two categories to earn 5% cash back (on up to $2,000 in combined purchases) and one additional category for unlimited 2% back. If you plan ahead, these earnings can stack up, especially when paired with other rewards cards in your wallet.
Just don’t wait too long: your selections take three business days to activate, so the sooner you enroll, the better.
- Earn a $200 bonus after spending $1,000 in eligible net purchases within the first 90 days of account opening.
- 5% cash back on your first $2,000 in eligible net purchases each quarter on the two 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 or groceries), 1% cash back on all other eligible net purchases
- No annual fee
- 5% cash back on your first $2,000 in eligible net purchases each quarter on the two 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 or groceries)
- 1% cash back on all other eligible net purchases
U.S. Bank Cash+ Visa 5% Bonus Categories
Each quarter, U.S. Bank Cash+ Visa cardholders can choose two of the following bonus categories in which they will earn 5% back on the first $2,000 of combined spending:
- TV, internet & streaming services
- Home utilities
- Ground transportation
- Select clothing stores
- Cell phone providers
- Electronics stores
- Gyms/fitness centers
- Fast food
- Sporting goods stores
- Department stores
- Furniture stores
- Movie theaters
U.S. Bank Cash+ Visa 2% Bonus Categories
In addition to your two 5% bonus categories, cardholders can choose one of the following categories to earn unlimited 2% cash back:
- Gas & EV charging stations
- Restaurants
- Grocery stores — excludes discount stores/supercenters and wholesale clubs.
How the U.S. Bank Cash+ Visa Bonus Categories Work
Rather than the card issuer assigning bonus categories, you can choose your 5% and 2% bonuses each quarter from a list of options. It works like this:
- Select two categories to earn 5% 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 U.S. Bank Cash+ Visa 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 five days before the end of the current quarter to make your selection.
However, you will not start earning bonus cash back until three business days after choosing your preferred categories. That means you should enroll as soon as possible for Q3 2025.
How do I choose my 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.
- By phone: Call the U.S. Bank Cardmember Services phone number printed on the back of your credit card and make your selection over the phone.
Which Categories Should You Choose?
The key to maximizing the value of the U.S. Bank Cash+ Visa is choosing bonus categories based on your other credit cards. To maximize your earnings, you should integrate your 5% and 2% categories into your broader earning strategy.
The best option would be selecting categories where you (1) will spend some money that quarter but (2) don't have another card that offers you high earning rates.
If you already hold other rewards cards featuring rotating bonus categories, such as the Citi® Dividend Card or Chase Freedom Flex℠, you can wait until the bonus categories are released for those cards. Then, you can activate them and choose different bonus categories for your U.S. Bank Cash+ Visa.
For Q3 2025, the Citi Dividend categories for 5% cash back are gas stations and home improvement stores. Meanwhile, the Freedom Flex categories for Q3 2025 are Instacart, gas stations/EV charging, and select live entertainment.
Unless you will have significant spending (past the applicable limits) in those categories, it makes sense to choose different categories via U.S. Bank. This way, you can earn 5% cash back in a broader range of categories to help you maximize your points earnings.
Final Thoughts
If you carry the U.S. Bank Cash+ Visa, now’s the time to pick your Q3 2025 bonus categories. This card stands out for letting you choose your 5% and 2% categories instead of sticking you with pre-selected ones.
You’ll get 5% cash back on up to $2,000 in combined spending across two categories of your choice and 2% back in one everyday category with no cap. Combine this with the rotating categories of other cards to maximize your cash-back strategy.
Looking for other ways to maximize your cashback earnings? Check out these cards:
(Terms apply)
- 6% Cash Back on select U.S. streaming subscriptions
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
- 3% Cash Back at U.S. gas stations
- 1% Cash Back on other purchases
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- 8% cash back on purchases made via the Capital One Entertainment ticketing platform
- 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
- 3% cash back on dining and entertainment
- 3% at grocery stores (excluding superstores like Walmart® and Target®)
- 3% on popular streaming services
- 1% on all other purchases
- Unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership
- Unlimited 2% back on local transit and commuting (including rideshare)
- Unlimited 2% back at restaurants and at gas stations
- Unlimited 1% back on all other purchases
For rates and fees of the cards mentioned in this post, please visit the following links: Blue Cash Preferred® Card from American Express (Rates & Fees), and Prime Visa (Rates & Fees)
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