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 activate 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.
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.
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 (Savings, Checking 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 $25 minimum ($5 increments). You can also enroll in Real-Time Rewards to easily redeem cash back for purchases made with your Cash+ Visa Card.
There is no minimum for deposits into your U.S. Bank deposit account (Savings, Checking or Money Market), statement credits. There is a $25 minimum redemption ($5 increments) for U.S. Bank Rewards Cards. There is a $10 minimum for Real-Time Rewards.
You can redeem your cash rewards at any time online through the rewards center. Log in, select your U.S. Bank Cash+ account 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.
Cash back will expire at the end of the calendar month 36 months after the billing cycle in which they were earned.
Your U.S. Bank Cash+ account must be open and in good standing according to your Cardmember Agreement in order to redeem cash back. Any remaining cash back will be lost when an account is closed. Please call Cardmember Service at 800-285-8585 for inquiries about reopening a U.S. Bank Cash+ account.
It’s a new rewards redemption method that enables you to instantly turn your purchases into rewards. Your mobile device can be used to immediately redeem cash rewards in the form of a credit to your monthly billing statement.
First, complete a 2-minute registration to set your preferences. Then, after you make a purchase that meets your preferences, and receive a text asking if you want to use cash rewards to redeem immediately after the purchase, simply reply ‘REDEEM’ to the message to complete the redemption. You must have enough cash rewards to cover the entire purchase in order to receive the text message to redeem. Your cash rewards will be deducted from your cash rewards balance and redeemed in the form of a credit to your monthly billing statement. See Program Rules for additional details.
Yes, you may assign a 10-digit U.S. mobile number to your accounts in good standing.
No. You may only assign one 10-digit U.S. mobile number per account.
The text message is sent at the time of the eligible purchase. You have 24 hours from the time the purchase is made to respond to the text message and redeem cash rewards.
Most gas and restaurant purchases are not available for Real-Time redemption because they are often two-stage authorization processes. For instance, restaurant purchases often have a tip after the initial authorization.
No, Real-Time Rewards text messages are available only for transactions with U.S. merchants.
You may receive a Real-Time Rewards text message for an auto bill pay transaction if the purchase falls within your preference selections.
The statement credit may be different from your final purchase amount if the transaction included a gratuity, fees or estimated taxes.
You can opt-out at any time by going online to the Rewards Center or by texting ‘STOP’ to REDEEM (733336) or by calling the Rewards Center at 844-357-2015. After you opt-out, you may still receive text messages for up to 24 hours. Please see Program Rules for additional details.
Complete Program Rules are available on the Rewards Center website by clicking “Program Rules”.
Yes, you can call the Rewards Center anytime at 888-229-8864.

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