US Bank Cash+
| Category | Rate |
|---|---|
| Everything else | 1% |
5% on two selected categories
Choose up to 2 categories for the bonus rate
Cap: $2,000/quarter | Non-selected categories earn 1%
2% on one everyday category
Choose 1 category for the bonus rate
The optimizer automatically selects the best categories based on your spending.
Card terms verified Jul 11, 2026 against official issuer sources.
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Next step
One card is a start. The optimal setup is the whole wallet.
The US Bank Cash+ might be great on its own, but the best combination depends on your total spending. The optimizer evaluates every possible pairing to find the mathematically proven best setup.
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