The US Bank Cash Plus Credit Card is a popular choice for cashback enthusiasts, offering customizable bonus categories and a straightforward welcome bonus. This page details the current offer and helps you determine if it's the right fit for your wallet strategy. (Offer as of June 2026)
Current Welcome Bonus & Value
New cardmembers can earn $250 cash back after meeting the minimum spending requirement. This bonus is straightforward and provides immediate value, making it a solid incentive for a no-annual-fee card.
Minimum Spend to Earn It
To earn the $250 cash back bonus, you must spend $1,000 on eligible purchases within the first 90 days of account opening. This is a relatively achievable spend threshold for many, especially over a three-month period.
Who's Eligible for the US Bank Cash Plus?
Applying for the US Bank Cash Plus Credit Card generally requires an excellent credit score. While U.S. Bank does not have widely publicized application rules like Chase's 5/24, they are known for being conservative in approving applicants, particularly those with many recent credit card applications or new accounts. It's generally advisable to have a strong credit history and not too many recent inquiries when applying for U.S. Bank products.
Is the US Bank Cash Plus Worth It?
The US Bank Cash Plus Credit Card can be a valuable addition to your credit card portfolio, especially for those who strategically maximize cashback. Here's a breakdown:
Pros
- Generous Welcome Bonus: A $250 cash back bonus for a no-annual-fee card is highly competitive.
- No Annual Fee: You can keep this card long-term without incurring recurring costs, making it excellent for building credit history.
- Customizable 5% Cashback: The ability to choose two 5% cash back categories (on up to $2,000 in combined eligible net purchases each quarter) allows you to tailor rewards to your spending habits.
- 2% Cashback Category: You also earn 2% cash back on one everyday category of your choice, such as gas stations and EV charging stations, groceries, or restaurants.
Cons
- Foreign Transaction Fee: This card charges a foreign transaction fee, making it unsuitable for international travel or purchases made in foreign currencies.
- Category Selection: While customizable, remembering to select your 5% and 2% categories each quarter requires active management.
- U.S. Bank's Application Scrutiny: U.S. Bank can be particular about approvals, especially if you have a high number of recent credit applications.
How to Apply for the US Bank Cash Plus
To apply for the US Bank Cash Plus Credit Card, visit the official U.S. Bank website and navigate to the credit card section. You will need to provide personal information, including your income and employment details. Ensure your credit report is in good standing before applying to maximize your approval odds.
Alternatives to the US Bank Cash Plus
If you're exploring other cashback options or cards from U.S. Bank, consider these related cards:
- US Bank Shopper Cash Rewards Credit Card: Another U.S. Bank card offering customizable rewards.
- Fidelity Visa 2% CashBack Card: A strong contender for flat-rate 2% cash back on all purchases.
- US Bank Shield™ Visa® Card: A different offering from U.S. Bank.
- US Bank Smartly™ Visa Signature® Card: Another U.S. Bank product with different features.
- U.S. Bank FlexPerks Gold American Express Card: If you prefer a travel rewards card from U.S. Bank.