U.S. Bank Cash Rewards Visa®
Flexible Cash Back for Smart Spending
By: UsNetDinheiro
Flexible 5% Cash Back Categories
Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you choose, like gas, groceries, or travel.
2% Cash Back on Everyday Spending
Get 2% back on purchases in your choice of one everyday category, such as dining or streaming services.
Unlimited 1% Cash Back on All Other Purchases
Enjoy consistent rewards with 1% back on everything else, without limits or complicated rules.
No Annual Fee and Easy Redemption
Keep all your rewards without paying an annual fee, and redeem cash back as statement credits, deposits, or gift cards.
Why the U.S. Bank Cash Rewards Visa® Card Is Worth Considering
The U.S. Bank Cash Rewards Visa® Card is a standout option for consumers who value flexibility and control over how they earn rewards. Unlike many cash-back cards with fixed categories, this one lets you choose where you earn the most — perfect for those whose spending habits change throughout the year. Cardholders can earn 5% cash back on two categories of their choice (from options like utilities, cell phone providers, or clothing stores), and 2% cash back on one additional everyday category, such as grocery stores or restaurants. Everything else earns an unlimited 1% cash back. The card also offers a 0% introductory APR on purchases and balance transfers for the first 15 billing cycles, helping new users save on interest. With no annual fee and multiple redemption options, the U.S. Bank Cash Rewards Visa® Card combines flexibility, simplicity, and real value for everyday use. Whether you’re managing household expenses or planning a trip, this card adapts to your lifestyle.
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What credit score do I need for the U.S. Bank Cash Rewards Visa® Card?
A good to excellent credit score (typically 670 or higher) is recommended for approval.
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Does the U.S. Bank Cash Rewards Visa® Card have an annual fee?
No, this card has no annual fee.
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Can I change my bonus categories?
Yes, you can update your 5% and 2% categories every quarter to match your spending.
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What are the redemption options for my cash rewards?
You can redeem rewards as statement credits, direct deposits, or gift cards.
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Does the card have an introductory APR offer?
Yes, it offers a 0% intro APR on purchases and balance transfers for the first 15 billing cycles.
How to Apply for the U.S. Bank Cash Rewards Visa® Card
Applying for the U.S. Bank Cash Rewards Visa® Card is straightforward. You can apply online through the official U.S. Bank website or at a local branch. Before starting, make sure you meet the eligibility requirements—typically, a good to excellent credit score (around 670 or higher) is recommended. During the online application, you’ll need to provide standard information such as your name, address, income, and Social Security number. Once submitted, U.S. Bank will run a credit check to determine your approval and credit limit. If approved, you’ll receive your card within 7–10 business days. After activation, you can immediately start earning cash back on your chosen categories. You can manage your rewards and payments through the U.S. Bank mobile app, where you can also update your cash-back categories each quarter to fit your spending habits. This simple application process and personalized rewards structure make the card both accessible and rewarding.