Card economics
US Bank Cash+
Annual fee
No annual fee
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
| 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
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 Aug 2, 2026. 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.
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