CardPolo
US
US Bank
US Bank Cash+
VISA
🇺🇸 United States · US Bank

US Bank Cash+

5% on 2 chosen categories + 2% on 1 chosen, fully customizable.

4.4 / 5
Joining fee
$0
Annual fee
$0
Top reward
5%
Min income
None stated
Apply at US Bank← Back to all cards

External link to US Bank’s own application page.

The US Bank Cash+ has no annual fee. It earns 5% on shopping and 1% on everything else. Forex markup is 3%. These figures are from our catalog and have not yet been re-verified against the issuer.

5-year value calculator

How much US Bank Cash+ actually pays you over time, net of annual fees.

$1,500

Includes 40% in this card's boost category, 60% general spend.

Annual rewards$468
Annual feeNo fee
Welcome bonus (year 1 only)+$200
Cumulative net value
+$2,540
over 5 years
Year 1
$668
+$668/yr
Year 2
$1,136
+$468/yr
Year 3
$1,604
+$468/yr
Year 4
$2,072
+$468/yr
Year 5
$2,540
+$468/yr
Year 1 (with bonus)
$668
Year 2+ (steady state)
$468/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

What does the US Bank Cash+ earn?

What you earn back, by category.

shopping
5%
On up to $2,000 spend per quarter (cap terms unverified)
📈
Everything else
1%
📈
🎁
Welcome bonus

$200 statement credit after $1,000 spend in 120 days

What do you get with the US Bank Cash+?

  • 5% on 2 categories you choose ($2,000 quarterly cap)
  • 2% on 1 chosen everyday category (gas, grocery, restaurants)
  • 1% on everything else
  • No annual fee
  • Quarterly category swap

Who qualifies for the US Bank Cash+?

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income
No stated requirement
Min credit score
670+
Self-employed
Eligible

US Bank Cash+ FAQ

›What is the US Bank Cash+ annual fee?

The US Bank Cash+ has no annual fee.

›What does the US Bank Cash+ earn?

It earns 5% on shopping and 1% on everything else.

›What is the US Bank Cash+ forex markup?

The US Bank Cash+ charges 3% forex markup on foreign-currency spends.

›What income do you need for the US Bank Cash+?

US Bank publishes no minimum income requirement for this card; approval rests on your credit profile.

›What is the US Bank Cash+ welcome bonus?

$200 statement credit after $1,000 spend in 120 days.

›Are these US Bank Cash+ figures verified?

These figures are from our catalog and have not yet been re-verified against the issuer.

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