U.S. Bank · personal · visa
U.S. Bank Cash+ Visa Signature
The pick-your-own 5% card — home utilities and internet/streaming are 5% categories almost nobody else offers. The price is bookkeeping: you must re-choose categories every quarter, and the 5% caps at $2,000/quarter. Pairs beautifully with a flat 2% card.
Current public offer
$250 cash back after $1,000 spend in 3 months — as of 2026-07-01 · source
Fees & fine print
- Annual fee: $0
- Intro APR: 0% for 15 billing cycles on purchases and balance transfers
- Suggested credit: Good / Excellent
Earning
- 5% on two categories you choose quarterly (utilities, TV/internet/streaming, cell phone, department stores, electronics, fast food, gyms, movies, and more) on first $2,000/quarter combined
- 2% on one everyday category (gas/EV, grocery, or restaurants)
- 5% on prepaid air/hotel/car booked in the Travel Center
- 1x other
Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.