Cash back credit cards

The best cash back credit card is the one that matches your spending habits, rewards preferences and redemption needs. If you want more control over where you earn higher cash back, a category-based card like the U.S. Bank Cash+® Visa Signature® Card may be a good. If you prefer simple, unlimited cash back on every eligible purchase, a card like the U.S. Bank Smartly™ Visa Signature® Card may be an option.

Yes, cash back is a type of credit card reward. Cash back credit cards earn rewards with cash value, while other rewards cards may earn points or miles. Depending on the card, cash back may be redeemed as a statement credit, deposit into an eligible account or another available redemption option.

How much cash back you can earn depends on the card’s rewards rate, eligible purchases, spending categories and any category limits. Some cards offer higher cash back in selected categories, like the U.S. Bank Cash+® Visa Signature® Card, while others offer a base cash back rate on every eligible purchase, like the U.S. Bank Smartly™ Visa Signature® Card. Review the card’s terms, rewards caps and redemption rules before applying.

Choose a base rate cash back credit card if you want simple rewards on every eligible purchase. Choose a category cash back credit card if you want the opportunity to earn higher cash back in specific spending categories and are comfortable selecting or tracking those categories.

For example, the U.S. Bank Smartly™ Visa Signature® Card may be a good fit if you want straightforward cash back across purchases, while the U.S. Bank Cash+® Visa Signature® Card may be a good fit if you want to choose bonus categories each quarter.