Card economics
US Bank Cash+
Annual fee
No annual fee
Foreign transaction fee
3%
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
Points or cash back earned per dollar spent. 'x' means points multiplier, '%' means cash back percentage. Portal-only rates require booking through the issuer's travel portal.| Category | Rate |
|---|---|
| U.S. Bank Travel Center - Flights | 5%Portal only |
| U.S. Bank Travel Center - Hotels | 5%Portal only |
| U.S. Bank Travel Center - Rental Cars | 5%Portal only |
| Everything else | 1%Base rate |
Category selection rules
Some cards let you pick bonus categories each quarter or year. The optimizer selects the highest-modeled-value categories based on your spending pattern.5% on two selected categories
Choose up to 2 categories for the bonus rate
Categories in the same issuer-defined group use one selection.
Internet / cable + Streaming
Cap: $2,000/quarter | Non-selected categories earn 1%
2% on one everyday category
Choose 1 category for the bonus rate
Categories in the same issuer-defined group use one selection.
Groceries — in store + Groceries — online + Whole Foods
Gas stations (excluding Costco Gas) + EV Charging
The optimizer selects the highest-modeled-value categories based on your spending.
Catalog record last reviewed Oct 11, 2026; see the Corrections page for later changes. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The US Bank Cash+ might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.
Comparisons featuring US Bank Cash+
Guides that discuss US Bank Cash+
- Bank of America Customized Cash vs Citi Custom Cash: Citi's Card Is Closed to New Applicants
- Best Credit Card Combination? What a Solver Picked for 252 Households
- US Bank Cash+ vs Bank of America Customized Cash: Higher Rate or Broader Categories?
- Which Cards Show Up in Optimal Wallets? A 252-Household Solver Report (Q4 2026)