It’s easy to choose more cash back.

Just select the categories that make the most sense for you. You’ll earn 5% cash back on your first $2,000 in combined net purchases in your chosen 5% categories. 2% cash back is unlimited. All other net purchases earn 1% cash back.

Give It A Try

Every quarter you get to choose from categories like these:

2% CATEGORIES
  • Gas Stations
  • Restaurants
  • Grocery Stores
5% CATEGORIES
  • Select Clothing Stores
  • Cell Phones
  • Electronics Stores
  • Car Rentals
  • Gyms/Fitness Centers
  • Bookstores
  • Fast Food
  • Charity
  • Sporting Goods Stores
  • Department Stores
  • Furniture Stores
  • Movie Theaters

Make sure you choose your categories each quarter. If you do not choose your categories, all net purchases will still earn 1% cash back. Categories are subject to change quarterly. Net purchases are purchases minus returns or credits. Purchases over $2,000 (combined) in your selected 5% categories will still earn 1% cash back.

Please note: 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 Department Stores 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.