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If you have the U.S. Bank Cash+™ Visa® Card you can select your 2% and 5% bonus categories. You can select one category to earn unlimited 2% cashback, and two categories to earn 5% cashback on $2,000 of combined spending. The ability to choose from more than 10 categories adds tremendous versatility to the program, enabling you to develop a complete to maximize your earnings.
How It Works
- Select two categories to earn 5% back
- The 5% earning is capped to the first $2,000 per quarter of combined spending at both categories (max $100 back) and then earn 1% back
- Select one category to earn an unlimited 2% back
- Earn 1% on all other spending
- You can change categories every quarter
2% Bonus Categories
Select one of the following three categories per quarter to earn unlimited 2% cashback:
- Gas Stations
- Restaurants
- Grocery Stores
5% Bonus Categories
Select two of the following categories per quarter to earn 5% cashback on the first $2,000 of combined spending (max $100):
- Home Utilities
- Ground Transportation
- Select Clothing Stores
- Cell Phone Providers
- Electronics Stores
- Car Rentals
- Gyms/Fitness Centers
- Fast Food
- Sporting Goods Stores
- Department Stores
- Furniture Stores
- Movie Theaters
Our Take
The strength of the US bank cash + cashback program lies in its flexibility, and how you can incorporate it as part of a broader strategy.
This quarter, with some careful planning you can pick up 5% on a wide array of your spending. Fortunately, registration for the quarterly bonuses only takes seconds.
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One good way of maximizing this US Bank benefit is for two spouses to set up non-overlapping 5x categories.