U.S. Bank Cash Rewards Visa® Card
Enjoy Flexible Cash Back and no Annual Fees
By: Zienic
5% Cash Back Categories
Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you choose.
Everyday Rewards
Automatically get 2% cash back on one everyday category like gas stations, restaurants or grocery stores.
1% Back on Everything Else
All other eligible purchases earn unlimited 1% cash back.
No Annual Fee
Enjoy all these benefits with no annual fee, making it a great card for maximizing value without extra costs.
Why the U.S. Bank Cash Rewards Visa® Card Stands Out
The U.S. Bank Cash Rewards Visa® Card offers a powerful blend of flexibility, savings, and ease of use for consumers who want to make the most of their everyday spending. With this card, you have the power to choose the two 5% cash back categories each quarter from a broad range of options, including department stores, cell phone providers, fast food, and more. This adaptability allows you to tailor your rewards to fit your changing lifestyle and spending habits. Additionally, you’ll automatically earn 2% cash back on an everyday category you use often—like gas stations or grocery stores—and 1% on all other eligible purchases. With no annual fee, this card offers excellent value without adding extra costs to your financial strategy. Redemption is also easy: you can apply your rewards as a statement credit, direct deposit, or even a U.S. Bank Rewards Card. Whether you’re fueling up for a road trip, stocking the pantry, or treating yourself to something special, the U.S. Bank Cash Rewards Visa® Card ensures you’re earning while spending. Ideal for smart consumers who appreciate both flexibility and simplicity, this card is a rewarding tool for everyday finances.
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What credit score is needed for the U.S. Bank Cash Rewards Visa® Card?
A good to excellent credit score, typically 670 or higher, increases your chances of approval.
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Can I change my 5% categories every quarter?
Yes, you can select two new 5% cash back categories each calendar quarter based on your spending preferences.
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Are there any foreign transaction fees?
Yes, the U.S. Bank Cash Rewards Visa® Card does charge a foreign transaction fee, so it’s not ideal for international travel.
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How can I redeem my cash back?
You can redeem your cash back for a statement credit, direct deposit into a U.S. Bank account, or a U.S. Bank Rewards Card.
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Is there a limit to the cash back I can earn?
The 5% cash back is limited to $2,000 in combined purchases per quarter in the selected categories. Other rewards are unlimited.
How to Apply for the U.S. Bank Cash Rewards Visa® Card
Applying for the U.S. Bank Cash Rewards Visa® Card is quick, secure, and entirely online. Start by visiting the U.S. Bank website and navigating to the Cash Rewards Visa® Card page. There, you’ll find a clear “Apply Now” button. Clicking it will take you to an application form where you’ll need to provide personal information such as your full name, address, date of birth, Social Security number, income, and employment details. Make sure all information is accurate to avoid any processing delays. Once submitted, U.S. Bank will evaluate your creditworthiness based on your credit score and financial history. In many cases, applicants receive a decision within minutes. If approved, your card will be mailed to you within 7–10 business days. It’s also worth checking if you're pre-qualified before submitting a full application. U.S. Bank offers a pre-qualification tool that does not impact your credit score and can give you an idea of your likelihood of approval. After receiving the card, simply activate it online or by phone, and you’re ready to start earning cash back on your purchases. With easy-to-use digital tools like the U.S. Bank mobile app, you can also track your spending, select your 5% categories each quarter, and manage your rewards—all from your smartphone.