Frequently Asked Questions

Choosing Your Cash+ Category Questions:

  • Do I need to choose my Cash+ Categories each quarter?
    Yes, each quarter you need to choose your Cash+ Categories. You earn 5% cash back on your first $2,000 in 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 everything else. You will begin earning additional cash back on 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 net purchases will still earn 1% cash back. Cash+ Categories are subject to change quarterly.
  • When can I choose my current quarter's Cash+ Categories?
    You can choose your Cash+ Categories up to five days before the end of the current quarter. You will begin earning 5% and 2% cash back in your selected categories three business days after you choose them.
  • When can I choose my upcoming quarter's Cash+ Categories?
    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 promotion period. Please allow three business days for your selections to take effect.
  • Where do I choose my Cash+ Categories?
    1. Online — visit usbank.com/cashplus
    2. Phone — call the number on the back of your U.S. Bank Cash+™ Visa Signature® Card and one of our Service Advisors will assist you.
  • Before I choose my Cash+ Categories, where can I view Cash+ Category merchant examples?
    Visit usbank.com/cashplus, select "See How It Works," and then select "See Merchant Examples."
  • How do I choose my Cash+ Categories?
    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+ Visa Signature Card and one of our Service Advisors will assist you.
  • When are the Cash+ Categories announced for each upcoming quarter?
    Cash+ Categories are available to view and choose 45 days before the start of an upcoming quarter. You can find them at usbank.com/cashplus or by calling Cardmember Services.
  • Will Cash+ Categories change?
    Cash+ Categories are subject to change quarterly. New categories offer a broader variety of choices to cardmembers throughout the calendar year.
  • Will I be reminded to choose my Cash+ Categories each quarter?
    Yes! We will remind you to select your Cash+ Categories each quarter if you sign up for free reminders via text message, email or Facebook at usbank.com/cashplus.
  • Can I change my Cash+ Categories after I've selected them?
    If the new quarter is more than 5 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, your Cash+ Category selections are locked and cannot be changed.
  • How do I change my Cash+ Categories during the enrollment period?
    1. Online — visit usbank.com/cashplus and choose "Edit Selections" (if there are more than five days before the beginning of the upcoming quarter); then click "Remove" next to the category you want to change.
    2. Phone — call the number on the back of your U.S. Bank Cash+ Visa Signature Card and one of our Service Advisors will help you change your Cash+ Category if there are more than five days before the beginning of the upcoming quarter.
  • How can I confirm that I chose my Cash+ Categories?
    1. Your Cash+ Category selections will display when you sign in to your account at usbank.com/cashplus. You can also click on "View Account History" to confirm your current and past Cash+ Category selections.
    2. You can call the Cardmember Services phone number printed on the back of your U.S. Bank Cash+ Visa Signature Card and a Service Advisor will assist you.

Earning Questions:

  • Am I eligible to earn 5% and 2% cash back?
    Only U.S. Bank Cash+ Visa Signature consumer cardholders are eligible to choose Cash+ Categories and earn the additional cash back.

    Note: This card is intended for consumer purchases only. If you are intending to use this card for business purchases, please contact Cardmember Services or visit your local branch to open an account intended only for business purchases. We reserve the right to close card accounts not being used in accordance with the Cardmember Agreement.
  • Will I earn 1% cash back on my purchases if I do not choose my Cash+ Categories?
    Yes! If you do not select Cash+ Categories for a given quarter, you will still earn a full 1% on all 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.
  • When do I start earning cash back on my Cash+ Categories?
    First, activate your new U.S. Bank Cash+ Visa Signature Card. After activation, sign up for the current quarter's Cash+ Categories. You will begin earning 5% and 2% additional cash back three business days after you select your Cash+ Categories. Please note that registration for Cash+ Categories will close 5 days before the end of each promotion period.
  • What is the earning cap on the 5% Cash+ Categories?
    After choosing your Cash+ Categories, you will earn 5% cash back on your first $2,000 in net purchases each quarter on the combined two categories you choose.

    Note: There are no limits on the 2% and 1% cash back you can earn.
  • How can I confirm if my purchase was eligible to earn 5% or 2% cash back?
    1. Go to usbank.com and log in to Internet Banking.
    2. Select "Rewards Center" in the left menu.
    3. Select your U.S. Bank Cash+ Visa Signature Card account under Rewards Summary.
    4. Select "View Rewards History."
      1. 5% and 2% cash-back transactions will be indicated with a note that reads "5%/2% Cash+ Category."
  • I made a purchase in one of the Cash+ Categories on the last day of the quarter, but the transaction didn't post until after the quarter ended. Will I still earn the additional cash back?
    Yes! Transactions earn cash back based on their Transaction Dates, not their Posting Dates.
  • How do I see what I earned in the Cash+ Categories?
    The Cash+ Summary section of your monthly credit card statement will show what you earned in the Cash+ Categories. For example, if the Cash+ Categories you selected were Gas Stations, Department Stores and Restaurants, your statement would include the following line in the summary: "Bonus — Gas, Dept Store, Restaurants."
  • Why didn't I earn cash back for a particular purchase?
    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 additional details, see the most current U.S. Bank Cash+ Program Rules at usbank.com/cashplus.

Redemption Questions:

  • How do I find out how much cash back I have available to redeem?
    You can see your total available cash back rewards online at any time. Log in at usbank.com and select "Rewards Center." Your cash back rewards balance will be posted there. We also post your earned, redeemed and total cash back available for redemption on your monthly credit card statement.
  • What are my redemption options?
    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 Visa® Card.
  • What's the minimum redemption?
    If you choose to redeem your cash back as a deposit into your U.S. Bank deposit account (checking, savings or money market) or a Statement Credit there is no minimum redemption. For redemption to a U.S. Bank Rewards Visa® Card, there is a $20 minimum redemption ($5 increments).
  • How do I redeem?
    You can redeem your cash back anytime online at usbank.com. Just log in and select "Rewards Center" or call the Cardmember Services number printed on the back of your U.S. Bank Cash+ Visa Signature Card.
  • If I choose to redeem my cash back as a statement credit, does my redemption count toward my minimum payment?
    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.
  • How do I redeem my $25 Cash+ Bonus?
    You will automatically earn a $25 Cash+ Bonus Rewards Card once per calendar year after you redeem $100 or more in a single redemption. To redeem your Cash+ Bonus, log in to usbank.com and select "Rewards Center."
  • Is there a limit to how many $25 Cash+ Bonuses I can redeem in a calendar year?
    Yes, you can only redeem one $25 Cash+ Bonus Rewards Card each calendar year (January 1–December 31) when you redeem $100 or more in a single redemption.
  • When should I expect to receive my $25 Cash+ Bonus?
    You will receive your $25 Cash+ Bonus Rewards Card in six to eight weeks after redemption.

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Terms & Conditions Print

U.S. BANK CASH+ PROGRAM

(a) Accounts that are eligible to earn cash rebates are open and current when the Account is used. Accounts are ineligible when closed and/or after enrollment in the U.S. Bank Cash+ Program is cancelled.

(b) You may only earn Rebates (defined below) for Net Purchases on your Account. "Net Purchases" are determined by totaling all new Purchases charged to the Account during a billing cycle, then subtracting credits posted to the Account during the same billing cycle for returns, chargebacks and/or other adjustments. Rebates are not earned for Advances (including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Convenience Checks, Balance Transfers, INTEREST CHARGES and Fees, credit insurance charges, or transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items.

(c) Rebates include 1% Rebates, 2% Rebates and 5% Rebates (collectively, "Rebates"). "1% Rebates" are those Rebates for which you will earn 1% of Net Purchases. "2% Rebates" are those Rebates for which you will earn an additional 1%, for a total of 2%, of Net Purchases as described further below. "5% Rebates" are those Rebates for which you will earn an additional 4%, for a total of 5%, of Net Purchases as described below.

(1) 2% Rebates are those Rebates for which you will earn 2% of Net Purchases made in 1 designated category. You must select, each calendar quarter, which category will apply for your 2% Rebates. If you do not make the designation for each quarter, you will earn the 1% Rebate in that category. Categories are subject to change quarterly.

(2) 5% Rebates are those Rebates for which you will earn 5% of Net Purchases made in 2 designated categories. You must select, each calendar quarter, which 2 purchase categories will apply for your 5% Rebates. If you do not make the designations for each quarter, you will earn the 1% Rebate in those categories. During any calendar quarter in which you spend more than $2,000 in your combined two 5% purchase categories, you will earn the 1% Rebate for any additional purchases in your 5% purchase categories during that quarter. Categories are subject to change quarterly.

Merchants who accept Visa/MasterCard credit cards are assigned a merchant code based on the kinds of products and services they sell. To offer 2% and 5% Rebates based on purchase type (ex. 5% cash back for Restaurant purchases) U.S. Bank groups similar merchant category codes into Purchase Categories. Purchases which fall into the eligible Purchase Category will receive the stated Rebate. U.S. Bank makes every effort to include all relevant merchant category codes in its listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not use the merchant code that will fall within that Purchase Category. Therefore, U.S. Bank cannot guarantee that a purchase will qualify for 2% or 5% Rebates as any purchase where a merchant uses a category code outside of the eligible Purchase Category will not qualify for the stated Rebate.

(d) You must register online on a calendar quarterly basis to be eligible to earn 2% Rebates and 5% Rebates. You will be able to register to designate the categories applicable for a quarter's 2% Rebates and 5% Rebates within 45 days prior to the beginning of or during each applicable quarter. You may make changes to your designated categories until 5 days before the beginning of the quarter to which your designations apply. No changes may be made within five days before the start of or during the quarter in which your designated categories apply, including if you registered during the quarter. Allow up to 3 business days for registration to take effect before you will be eligible to earn 2% Rebates and 5% Rebates. You will begin earning 2% Rebates and 5% Rebates as of the start of the calendar quarter, or the date your registration is effective, whichever is later.

(e) We will show on your monthly Account statement the accrued Net Purchases potentially eligible for redemption as Rebates as of the statement billing date. Your 1% Rebates earned will appear on your statement as "Cash Rewards", and the additional rewards you earn for 2% Rebates and 5% Rebates (1% and 4%, respectively, in excess of the 1% Rebate) will appear on your statement as a "Bonus". Rebates earned can also be viewed within Internet Banking Rewards Center at usbank.com. We reserve the right to adjust or reverse the number of Rebates that were awarded, or Net Purchases potentially eligible for redemption, for unauthorized Purchases.

(f) Rebates may be redeemed as a statement credit, reward card, or deposit made to your U.S. Bank Savings, Checking or Money Market Account, based on your designation. There is no minimum redemption requirement except for U.S. Bank Visa Rewards Cards. Redemption for U.S. Bank Visa Rewards Cards must be in $5 increments, subject to a $20 minimum, except as otherwise allowed as communicated by U.S. Bank. In addition, you will earn a $25 Cash+ Bonus once per calendar year when you redeem $100 or more in rebates for a single redemption transaction during that calendar year. If your cash rewards balance is greater than or equal to zero as of the statement closing date of the statement period during which you redeemed $100 or more in rebates, the $25 Cash+ Bonus will be sent to you under separate cover in the form of a Cash+ Bonus Rewards Card. If your cash rewards balance is less than zero as of the statement closing date of the statement period during which you redeemed $100 or more in rebates, the $25 Cash+ Bonus will be added as cash to your cash rewards balance (and will offset the negative cash rewards balance on your statement). Terms and Conditions for the Cash+ Bonus Rewards Card will be provided with the card. Please allow 6 — 8 weeks after your redemption request is made for your Cash+ Bonus to arrive.

(g) The Account must be open and current to be eligible to earn Rebates. Rebates are not payable if the Account is closed or past due and will be forfeited. Generally, there is no maximum annual cash rebate, but U.S. Bank reserves the right to cap certain 2% Rebates and 5% Rebates in addition to any limits already described in these U.S. Bank Cash+ Program rules. Rebates expire 36 months after the billing cycle in which they are earned.

(h) The Account and these Rebates are provided for personal, family and household use. U.S. Bank reserves the right to disallow or remove Rebates awarded for Purchases made for other than personal, family or household use.

(i) We reserve the right to change or cancel the U.S. Bank Cash+ Program at any time, with or without notice to you. The most current U.S. Bank Cash+ Program rules are available at www.usbank.com/cashplus.