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U.S. Bank  Cash Plus credit card

U.S. BANK CASH+™ VISA® CARD

Benefits and Rewards

Get the most from your card.

A credit card that lets YOU CHOOSE your 5% and 2% Cash+ Categories every quarter.

  • Earn 5% cash back on your first $2,000 in combined net purchases1 each quarter on two 
    categories you choose.2
  • Earn 2% cash back on your choice of one everyday category (like Gas Stations, Grocery Stores or Restaurants).2
  • Earn 1% cash back on everything else.
  • No limit on total cash back earned.

Make sure you choose your categories each quarter. If you do not choose your categories, all net purchases will still earn 1% cash back. Categories are subject to change quarterly.

Important:

  • Cash back rewards will expire at the end of the calendar month 36 months after the billing cycle in which they were earned.
  • The account must be open and in good standing to earn and redeem rewards.

Choose and change your 5% and 2% Cash+ Categories every quarter at usbank.com/cashplus. This link opens in new window.

Category Registration Schedule: 

Quarter: January - March
Registration starting date: November 17

Quarter: April - June
Registration starting date: February 15

Quarter: July - September
Registration starting date: May 17

Quarter: October - December
Registration starting date: August 17

We'll make remembering to activate your categories easy with automatic reminders.

  • Log in at usbank.com/cashplus, this link opens in new window.
  • Click the "Reminders" link at the top of the page.
  • Select your preferred reminder type.

Then when it's time to select your categories, we'll send you a text message or email.3 It's quick and easy!

What You Need to Know:

  • Choose categories up to 45 days before each quarter begins.
  • Change your selected categories up to 5 days before each quarter begins.
  • If you forget to choose categories, you can still select them during the quarter.
    Allow three business days for your registration to take effect.
  • If you do not choose categories, all eligible purchases will still earn 1% cash back.
  • Have questions? See the Cash+ FAQs. This link opens in new window.

The U.S. Bank Cash+ Card makes it just as easy to redeem as it is to earn:4

  • Deposit your cash rewards into your U.S. Bank checking, savings or money market account.
  • Receive a statement credit to your credit card account.
  • Receive a U.S. Bank Rewards Visa® Card.

How to redeem rewards through Online Banking:

  1. Log in to Online Banking, this link opens in new window.
  2. Locate the "My Accounts" tab and select "My Rewards".
  3. Select "Redeem Rewards"

Register for Real-Time Rewards to redeem cash rewards instantly for nearly any purchase.5

If you prefer the control and simplicity of shopping at your favorite sites and stores, Real-Time Rewards lets you redeem for the rewards you want from the stores you prefer, without visiting the Rewards Center. And you can choose the redemption categories that matter most to you — such as department stores, electronics, grocery stores, airlines or lodging. You're always in control of where and when you want to redeem.

  1. Log in at usbank.com, and under My Account click My Rewards, then click Redeem Rewards & Access Card Benefits.
  2. Click "More" in the top Navigation Bar, then click on "Real-Time Rewards" and follow the steps to enroll.
  3. Complete the enrollment form.

Contact Us to reach Cardmember Service.

Important:

  • Unredeemed Cash Rewards expire 36 months after the billing period in which they were earned.
  • The account must be open and in good standing to earn and redeem rewards.

Visa Offers + Perks

Enjoy discounts at the places you love to shop. Indulge your passion and gain access to a wide variety of offers and deals, including food and wine, shopping, sports, entertainment and more. Find your favorites at visa.com/offers, this link opens in new window.

NortonLifeLock

Tools to help you act quickly if your personal data is threatened
No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can provide you with greater peace of mind. ID Navigator Powered by NortonLifeLock provides you with the tools to help keep you informed of potential threats to your identity, so you can act quickly should the unexpected happen.6

To confirm eligibility, visit cardbenefitidprotect.com. This link opens in new window

Roadside Dispatch®

Get emergency roadside assistance with services like towing, fuel delivery, and more by calling 1-800-847-2869. Tell the operator where you are, what the problem is, and the operator will arrange a dispatch to a reliable tow operator or locksmith to provide help. The operator will let you know the name of the local tow operator or locksmith being sent to assist you. Cardmembers are responsible for any service fees. Certain terms, conditions, and exclusions may apply.7

24/7 Account Access

Use Online Banking or in the U.S. Bank Mobile App to make a payment, check your balance, view transactions, lock/unlock your card and much more.

Contact Us or call the number on the back of your card.

Fraud Protection

We have sophisticated fraud-monitoring tools that look for abnormal spending patterns. If we see something unusual, we move fast to keep your card and your account information safe.

Your account is also protected with zero fraud liability, which means you’ll get reimbursed for 100% of fraud losses due to unauthorized use of your account. Please notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.8

Free TransUnion® Credit Score

Cardmembers enrolled in Online Banking can obtain their TransUnion® Credit Score at no cost.9 This tool tracks your score over time, shows you how certain credit actions can impact your score and provides helpful information on how to maintain good financial health. This credit score is for educational purposes and is not used by U.S. Bank to make credit decisions. Sign up in Online Banking link opens in new window or in the U.S. Bank Mobile App.

FlexControl™ Budgeting Tools

You know best how to manage your money, which is why FlexControl™ from U.S. Bank offers free credit card management tools that help you avoid interest and late fees. We provide automatic payment tools that give you the flexibility to pay off everyday purchases in full, accelerate payments to help pay down a balance faster, or pay off larger purchases over time. You can also set up account alerts and choose your payment due date.

Learn More about FlexControl. link opens in new window.

Credit Wellness Center

Maintaining good credit makes life easier in a variety of ways. At the Credit Wellness Center, you can get answers to important credit questions such as:

  • What is a credit score?
  • How are credit scores calculated?
  • Why does credit matter?
  • How can I improve my credit score?

Learn More about credit wellness. link opens in new window.

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