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Benefits and Rewards

Get the most from your card.

U.S. Bank Cash+™ Visa® Card
  • Earn Rewards

    A credit card that lets YOU CHOOSE your 5% and 2% Cash+ Categories every quarter.

    • Earn 5% cash back on your first $2,000 in combined net purchases1 each quarter on two 
      categories you choose.2
    • Earn 2% cash back on your choice of one everyday category (like gas or groceries).2
    • Earn 1% cash back on everything else.
    • No limit on total cash back earned.

    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.

    Important:

    • Unredeemed Cash Rewards expire 36 months after the billing period in which they were earned.
    • The account must be open and in good standing to earn and redeem rewards.

    Log In to My Rewards

  • Choose Your Categories

    Choose and change your 5% and 2% Cash+ Categories every quarter at usbank.com/cashplus.

    Category Registration Schedule: 

    QUARTER REGISTRATION BEGINS
    January - March November 17
    April - June February 15
    July - September May 17
    October - December August 17

    Sign up for email or text3 reminders and we’ll remind you when to choose
    your Cash+ Categories every quarter:

    • Go to usbank.com/cashplus and sign in.
    • Select “Reminder Preferences” at the top of the page.

    What You Need to Know:

    • Choose categories up to 45 days before each quarter begins.
    • Change your selected categories up to 5 days before each quarter begins.
    • If you forget to choose categories, you can still select them during the quarter.
      Allow three business days for your registration to take effect.
    • If you do not choose categories, all net purchases will still earn 1% cash back.
    • Have questions? See the Cash+ FAQs.

    Log In to My Rewards

  • Redeem Rewards

    The U.S. Bank Cash+ Card makes it just as easy to redeem as it is to earn:

    • Deposit your cash rewards into your U.S. Bank checking, savings or money market account.
    • Receive a statement credit to your credit card account.
    • Receive a U.S. Bank Rewards Visa® Card.4
    • Get a $25 Cash+ Bonus the first time you redeem $100 or more in a single redemption. Limit one per account.

    How to redeem rewards:

    • Log in to Online Banking.
    • Under the “My Accounts” tab, select “My Rewards.”
    • Click “Redeem Rewards” to start redeeming.

    Or Contact Us to reach Cardmember Service.

    Important:

    • There is no minimum redemption when redeeming to checking, savings, money market or
      a statement credit.
    • Unredeemed Cash Rewards expire 36 months after the billing period in which they were earned.
    • The account must be open and in good standing to earn and redeem rewards.

    Log In to My Rewards

  • Travel Benefits

    Auto Rental Collision Damage Waiver

    Receive Auto Rental coverage by charging your entire rental transaction amount to your eligible card and declining the extra collision insurance (or loss damage waiver) from the rental company. If your rental car is damaged or stolen while you’re traveling, you can be covered! It’s your ticket to significant savings and increased peace of mind. Certain terms, conditions, and exclusions may apply.5

    Call 1-800-348-8472 for additional details to determine if this coverage is right for you or to make a claim.

    Travel and Emergency Assistance Services

    Enjoy your trip knowing you have a wide range of emergency services available 24 hours a day when you are away from home. Get help coordinating medical, legal, and travel services when you need them. You are responsible for the cost of any actual medical, legal, transportation, cash advance, or other goods or services provided. Certain terms, conditions, and exclusions may apply.5

    Call 1-800-992-6029 to learn more.

     

     

    Additional Benefits for Visa Signature® Cardmembers

    • Not sure if you are a Visa Signature Cardmember?
           - Look for the product name on your billing statement.

    Travel Accident Insurance

    Use your eligible credit card to purchase travel fares on common carriers (train, plane, bus, or ship) and receive automatic Accidental Death and Dismemberment Insurance for you and your family. Certain terms, restrictions, and exclusions may apply.5

    Contact Us or call the number on the back of your card to learn more.

    Lost Luggage Reimbursement

    Enjoy greater peace of mind when you travel. If your checked or carry-on luggage and its contents are lost due to theft or misdirection by the common carrier, you can get reimbursed. Certain terms, conditions, and exclusions may apply.5

    Call 1-800-757-1274 to learn more or make a claim.

    Roadside Dispatch

    Get emergency roadside assistance with services like towing, fuel delivery, and more by calling 1-800-VISA-TOW (1-800-847-2869). Tell the operator where you are, what the problem is, and the operator will arrange a dispatch to a reliable tow operator or locksmith to provide help. The operator will let you know the name of the local tow operator or locksmith being sent to assist you. Cardmembers are responsible for any service fees. Certain terms, conditions, and exclusions may apply.5

    Visa Signature® Luxury Hotel Collection

    When you book through the Visa Signature Luxury Hotel Collection site, you can stay at select luxury hotels worldwide and enjoy an exceptional set of VIP perks – including a $25 USD food or beverage credit, a room upgrade upon arrival (when available), and much more. Certain terms, conditions, and exclusions may apply.5

    Learn More or call 1-800-953-7392.

  • Shopping Benefits

    Extended Warranty Protection

    Double the time period of the original manufacturer’s written U.S. warranty up to one (1) additional year on warranties of three (3) years or less – up to a maximum of ten thousand dollars ($10,000) per claim. The eligible item must have been purchased with your eligible credit card. Certain terms, conditions, and exclusions may apply.5

    Call 1-800-551-8472 to learn more or make a claim.

    Warranty Manager Service

    Take full advantage of your warranties by registering your warranty information on important purchases. Important information will be kept on file, so arranging for a repair or replacement is as easy as picking up the phone. Certain terms, conditions, and exclusions may apply.5

    Call 1-800-551-8472 to learn more or make a claim.

    Visa® Discounts

    Receive valuable discounts and/or gift-with-purchase offers from a wide collection of popular online and in-store retailers.

    View Offers

     

    Additional Benefits for Visa Signature® Cardmembers

    • Not sure if you are a Visa Signature Cardmember?
           - Look for the product name on your billing statement.

    Concierge Services

    Enjoy personalized assistance with restaurant and travel reservations, event tickets, gift arrangements, business services, and more. Cardholders are responsible for the cost of any goods or services purchased. Certain terms, conditions, and exclusions may apply.5

    Learn More or call 1-800-953-7392 to talk with Concierge Services now.

    Purchase Security

    Protect your credit card purchases in case of theft or damage due to a covered reason for the first 90 days from the date of purchase. Purchase Security will replace, repair, or reimburse your eligible items of personal property purchased entirely with your eligible credit card. Certain terms, conditions, and exclusions may apply.5

    Call 1-800-525-1466 to learn more or make a claim.

    Event Access, Offers, and Discounts

    Enjoy access to special packages, discounts, offers, upgrades, and events in these categories: Travel, Entertainment, Fine Wine and Food, Sports, and Shopping.

    View Offers

  • Service Benefits

    24/7 U.S.-Based Customer Service

    We have dedicated specialists available 24/7 to assist you with any questions about your account.

    Contact Us or call the number on the back of your card.

    Fraud Protection

    We have sophisticated fraud-monitoring tools that look for abnormal spending patterns. If we see something unusual, we move fast to keep your card and your account information safe.

    Your account is also protected with zero fraud liability, which means you’ll get reimbursed for 100% of fraud losses due to unauthorized use of your account. Please notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

    Learn More

    Chip Technology

    All new cards are being embedded with a microchip that will add an additional layer of security to your traditional magnetic stripe card. Cardmembers without the microchip will receive a chip-enabled card when their existing card expires.

    The microchip turns cardmember information into a unique code that is virtually impossible to duplicate or copy when used at a chip-enabled terminal. If the merchant has a chip terminal, they will ask you to simply insert your card into the terminal and sign your name to verify your purchase. At merchants who are not equipped with chip terminals, swipe your card and sign your name as usual.

    Learn More

    Online and Mobile Account Access

    View your account balance, pay your credit card, set up account alerts, and more.

    Online Banking      Mobile Banking

    Free TransUnion® Credit Score

    Cardmembers enrolled in Online Banking can obtain their TransUnion® Credit Score at no cost. This tool tracks your score over time, shows you how certain credit actions can impact your score and provides helpful information on how to maintain good financial health. This credit score is for educational purposes and is not used by U.S. Bank to make credit decisions. Simply log in and click “Check My Credit Score for Free.”

    Log In to Online Banking

    FlexControl™ Budgeting Tools

    You know best how to manage your money, which is why FlexControl™ from U.S. Bank offers free credit card management tools that help you avoid interest and late fees. We provide automatic payment tools that give you the flexibility to pay off everyday purchases in full, accelerate payments to help pay down a balance faster, or pay off larger purchases over time. You can also set up account alerts and choose your payment due date.

    Learn More

    Cardmember Agreement Quick Guide

    It’s important to be familiar with the rules and understand how your card works. Check out this cardmember agreement overview and get answers to common cardmember agreement questions. Learn how to avoid interest on purchases, understand the different types of account charges, request a copy of your credit card agreement, and more.

    Learn More

    Credit Wellness Center

    Maintaining good credit makes life easier in a variety of ways. At the Credit Wellness Center, you can get answers to important credit questions such as:

    • What is a credit score?
    • How are credit scores calculated?
    • Why does credit matter?
    • How can I improve my credit score?

    Learn More

    Spend Analysis Online Reporting

    Our Spend Analysis online reporting tool makes tracking and monitoring expenses easy.

    • View a chart showing your spending information at a glance.
      • Monitor transactions in your top spend categories, such as Automotive, Food or Travel.
      • Review transactions monthly, quarterly or annually.
    • Download an easy to read Annual Account Summary (PDF format).

    Simply log in to Online Banking, select your credit card and click “Spend Analysis.”