US Bank bonus earning categories for the U.S. Bank Cash+® Visa Signature® Card are live for July to September 2022. What makes the U.S. Bank Cash+ Visa 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.

U.S. Bank Cash+® Visa Signature® Card

Annual Fee$0
Welcome BonusNew! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

U.S. Bank Cash+ Visa 5% Bonus Categories

Image showing US Bank Cash Plus bonus categories for Q2 2022

Each quarter, you need to select your 5% bonuses from the list of 12 US Bank Cash Plus categories. You can choose 2 categories in which you will earn 5% back on the first $2,000 of combined spending across both selected categories.

  • 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

Choose one of the following categories to earn unlimited 2% cash back:

  • Gas & EV charging stations
  • Restaurants
  • Grocery stores

How the U.S. Bank Cash+ Visa Bonus Categories Work

Rather than having bonus categories assigned by the card issuer, you choose your 5% and 2% bonuses each quarter from a list of options.

  • 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.

Details for USBank Cash Plus Categories and how they work

Do I Need to Choose My 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. However, you won’t start earning bonus cash back until 3 business days after you choose your preferred categories.

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.
  • Phone: Call the US Bank Cardmember Services phone number printed on the back of your credit card 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 them into a broader plan to maximize your earning across the board. The best option would be selecting categories where 1) you will spend some money that quarter but 2) don’t have another card offering good earning rates.

If you already hold other rewards cards featuring rotating bonus categories — such as 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 Q3 in 2022, Citi’s categories feature gas stations and home improvement stores. Chase’s categories include gas stations, car rental agencies, movie theaters, 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 US Bank. This way, you can earn 5% cash back in a broader range of categories — helping you maximize your points earning.

Figuring out the optimal strategy can take some work, especially if you have multiple 5% earners in your wallet!

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