US Bank Cash+ Review March 2023: 5% Cash Back on $2k / Quarter

I've had the US Bank Cash+ credit card for almost a year now and added it as one of the best credit cards in 2023.

I think it's a great card for just about anyone. It has unique high cash back categories that I think could complement your current credit card setup.

US Bank Cash Plus Review video on YouTube:

US Bank Cash Plus Benefits

  • Welcome bonus: $200 after spending $1,000 in 120 days
  • Intro APR: 0% APR on purchases and balance transfers for the first 15 months
  • 5% cash back on 2 categories of your choice, selected quarterly, on up to $2,000 per quarter.
  • 2% cash back on 1 category of your choice.
  • 1% cash back on all other spending.

US Bank Cash Plus Categories

5% Cash Back Categories (choose 2 per quarter)

  • TV, Internet & Streaming Services
  • Fast Food
  • Cell Phone Providers
  • Department Stores
  • Home Utilities
  • Select Clothing Stores
  • Electronic Stores
  • Sporting Goods Stores
  • Movie Theaters
  • Gyms/Fitness Centers
  • Furniture Stores
  • Ground Transportation

2% Cash Back Categories (choose 1 per quarter)

  • Grocery Stores
  • Gas Stations / EV Charging
  • Restaurants

The 2% cash back category isn't all that important since you can get a 2% cash back credit card and earn that on all of your spending, but I find a couple of the 5% categories really interesting.

Some of the more unique categories to earn 5% that you won't find with other cards: TV, internet & streaming (this is a lot broader than just streaming that some other cards offer), home utilities, cell phone providers, then all of stores: furniture, sporting goods, electronics, clothing stores.

I think most people can find 2 categories where they consistently spend or have a big upcoming purchase, such as at furniture stores that would be nice to earn 5% cash back on those purchases.

US Bank Cash+ Secured Visa Card

If you're building or rebuilding your credit, the US Bank Cash Plus Secured credit card, could be one of the top cards for you.

Most secured credit card have next to no benefits such as 5% cash back as we just covered earlier in this article.

With the US Bank Cash Plus Secured, you can earn the same cash back as the normal Cash+ card.

Related articles:
Best Cash Back Credit Cards 2023
Best Credit Cards 2023