FAQs

Yes, each quarter you need to choose your Cash+ Categories. You earn 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose. You earn 2% cash back on your choice of one everyday category, and 1% cash back on all your other eligible net purchases. You will begin earning additional cash back on eligible net purchases in your Cash+ Categories three business days after you make your selections. If you do not choose your Cash+ Categories each quarter, all your eligible net purchases will still earn 1% cash back. Cash+ Categories are subject to change quarterly.
You can choose your Cash+ Categories up to five days before the end of the current quarter. You begin earning 5% and 2% cash back in your selected categories three business days after you choose them.
You can view and choose your Cash+ Categories beginning 45 days prior to the start of the upcoming quarter until five days before the end of the quarter. You begin earning 5% and 2% cash back in your selected categories three business days after you choose them.
  1. Online: Go to usbank.com/cashplus.
  2. You can call the Cardmember Services phone number printed on the back of your U.S. Bank Cash+ Card and a Service Advisor will assist you.
  1. Online – visit usbank.com/cashplus, then select "Choose Your Categories."
  2. Phone – call the number on the back of your U.S. Bank Cash+ Card and one of our Service Advisors will assist you.
You can view and choose Cash+ Categories beginning 45 days before the start of an upcoming quarter. You can find them at usbank.com/cashplus or learn about them by calling Cardmember Services.
Cash+ Categories are subject to change quarterly. New categories offer a wide variety of choices to cardmembers throughout the calendar year.
Yes! We will remind you to select your Cash+ Categories each quarter if you sign up for free reminders via text message or email at usbank.com/cashplus. Sign in and click the "Reminders" link in the navigation menu.
If the new quarter is more than five days away, yes. You can change your upcoming quarter’s Cash+ Categories until five days before the first day of the new quarter. After that, the quarter’s Cash+ Categories are locked and cannot be changed.
  1. Online: Visit usbank.com/cashplus and click "Change Your Categories." (This option will be available if there are more than five days before the beginning of the upcoming quarter.)
  2. Phone: Call the number on the back of your U.S. Bank Cash+ Card and one of our Service Advisors will help you change your Cash+ Categories if there are more than five days before the beginning of the upcoming quarter.
  1. Online: Your Cash+ Category selections will display when you sign in to your account at usbank.com/cashplus. You can also click "Cash+ History" in the navigation menu to confirm your current and past Cash+ Category selections.
  2. Phone: Call the number on the back of your U.S. Bank Cash+ Card and a Service Advisor will assist you.
Only U.S. Bank Cash+ Cardmembers are eligible to choose Cash+ Categories and earn the additional cash back. See the Program Rules for additional details.
Note: This card is intended for consumer purchases only. If you want a card for business purchases, please contact Cardmember Services at 800.285.8585 or visit your local U.S. Bank branch to open an account intended for business purchases. We reserve the right to close card accounts not used in accordance with the Cardmember Agreement.
Yes! If you do not select Cash+ Categories for a given quarter, you will still earn a full 1% on all eligible net purchases made during the quarter. You will not, however, be eligible to earn 5% or 2% cash back until your categories are chosen for the quarter.
First, activate your new U.S. Bank Cash+ Card. After activation, choose your Cash+ Categories. You will begin earning 5% and 2% cash back three business days after selection. Please note that registration closes five days before the end of each quarter.
After choosing your Cash+ Categories, you will earn 5% cash back on your first $2,000 in combined net purchases (purchases minus returns or credits) in your two chosen 5% categories. Purchases over $2,000 in these categories will earn 1% cash back.

There are no limits on your 2% or 1% cash back earnings.
  1. Go to usbank.com and log in to your account
  2. Select “Rewards Center.”
  3. Select your U.S. Bank Cash+ Card account under “Rewards Summary.”
  4. Select “View Rewards History.” Your 5% and 2% cash back transactions will be marked as “5%/2% Cash+ Category.”
The Cash+ summary section of your monthly credit card statement will show what you earned in your Cash+ Categories. For example, if the Cash+ Categories you selected were Gas Stations, Department Stores and Fast Food, your statement would include the following summary: "Gas, Dept Store, Fast Food."
Transactions qualify for 5% or 2% cash back based on how merchants classify the transaction. Since U.S. Bank cannot control how merchants choose to classify their transactions, we cannot guarantee that a specific transaction will qualify. For details, see the most current U.S. Bank Cash+ Program Rules at usbank.com/cashplus.
You can see your total available cash back rewards online at any time. Log in to usbank.com and select "Rewards Center." Your cash back rewards balance will be posted there. You can also see your earnings, redemptions and available cash back on your monthly credit card statement.
You can choose to redeem your cash back as a deposit into your U.S. Bank deposit account (checking, savings or money market), as a statement credit or as a U.S. Bank Rewards Card. If you choose to redeem your cash back as a U.S. Bank Rewards Card, there is a $20 minimum ($5 increments).
There is no minimum for deposits into your U.S. Bank deposit account (checking, savings or money market) or for statement credits. There is a $20 minimum redemption ($5 increments) for U.S. Bank Rewards Cards.
You can redeem your cash back at any time online at usbank.com. Log in and select "Rewards Center" or call the Cardmember Services number on the back of your card.
Redeeming your cash back rewards for a statement credit does not count as a payment and thus will not reduce your minimum payment. Your redemption will reduce your account balance, however.

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