U.S. Bank
U.S. Bank Cash+
U.S. Bank Cash+ costs No annual fee and earns up to 2× on dining. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the U.S. Bank Cash+ returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- No annual fee
- Best earn rate
- 2× dining
- Points value
- 1¢ a point
- Cash back value.
- Welcome bonus
- $200
- Foreign transaction fee
- 3%
What the U.S. Bank Cash+ earns
Hotels and rental cars through the issuer's travel site
5×
Only through the issuer's portal
Dining
2×
U.S. supermarkets
2×
Gas and EV charging
2×
| Category | Rate | Conditions |
|---|---|---|
| Hotels and rental cars through the issuer's travel site | 5× | Only through the issuer's portal |
| Dining | 2× | |
| U.S. supermarkets | 2× | |
| Gas and EV charging | 2× |
Rates checked with the issuer in October 2026. Spending outside these categories earns 1×. Confirm current terms with the issuer before you apply.
Is the U.S. Bank Cash+ right for you?
Enter a typical month. You will see what the U.S. Bank Cash+ returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
+$552
3× dining, 3× groceries; 1× everything else. No annual fee.
Rewards $457 · No annual fee
+$457
+$376
2× dining, 2× groceries; 1× everything else. No annual fee.
Rewards $361 · No annual fee
+$361
How we estimate
- Every rate on this page comes from the card catalog. U.S. Bank Cash+ pays 1× on spending outside the bonus categories listed above, and up to 2× on dining.
- We value this card's points at 1¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
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Welcome bonus
$200
Points and partners
U.S. Bank Cash Back
No
Where this data came from
No annual fee; $200 bonus after $1,000 in 3 months. 5% on prepaid travel through the Altitude Rewards travel center. The 5% categories are now fast food, home utilities, TV/internet/streaming, department stores, cell phone, electronic stores, sporting goods, furniture stores, movie theaters, ground transportation, gyms and select clothing stores; Wells Fargo says the options may change quarterly. Activation is required each quarter or everything drops to 1%. 3% foreign transaction fee.
FAQ
The U.S. Bank Cash+ has no annual fee, so the only thing that matters is what it earns. Its best rate is 2× on dining.
2× on dining, and 1× on spending outside its bonus categories.
It depends on your mix, not the card. Earning back $0 means about $0 a month on dining, where it earns 1¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is $200, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply.
No. The U.S. Bank Cash+ earns U.S. Bank Cash Back that you redeem for statement credit or shopping rather than transferring to a partner, so its realistic value is about 1¢ a point.
Yes: 3% on purchases made abroad, on top of anything the merchant charges. On a U.S. Bank Cash+ that can wipe out the bonus rates, so check the numbers before you rely on it overseas.