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NerdWallet’s Best U.S. Bank Credit Cards of 2019

May 4, 2016
Credit Cards, Rewards Credit Cards
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U.S. Bank is one of the country’s largest banks and one of the biggest issuers of credit cards. Though this Minneapolis-based bank operates branches primarily in the West and Midwest, anyone can apply for its credit cards — and it has some good ones. Here’s a quick look at the best.

Best for cash rewards: U.S. Bank Cash+™ Visa Signature® Card

Benefits of the U.S. Bank Cash+™ Visa Signature® Card

The U.S. Bank Cash+™ Visa Signature® Card has an unusual, customizable cash-back structure. You get:

  • 5% cash back on the first $2,000 in combined spending each quarter in two categories that you choose. Options include department stores, fast-food restaurants, fitness clubs, wireless phone providers, electronics and more.
  • 2% cash back on an “everyday category” of your choice, such as groceries or gas, with no limit.
  •  1% cash back on everything else.

In September 2017, U.S. Bank added a limited-time offer for new cardholders: In the first year you have the card, the 5%, 2% and 1% rewards rates are increased to 5.5%, 2.5% and 1.5%. After the first year, the rates drop back to 5%, 2% and 1%.

The $0. Since it’s a Visa Signature card, you get the perks from that program, including access to experiences like food and wine events, sports and entertainment, plus travel protections, purchase protection and other benefits.

Drawbacks of U.S. Bank Cash+™ Visa Signature® Card

You must log into your account online and choose 5% and 2% categories every quarter. The categories are subject to change, so all categories might not be available in all quarters. To maximize your cash back, then, you’ll need to plan ahead. Also, you need excellent credit to be considered for this card.

Bottom line

Few cards offer 5% cash back, and those that do usually don’t let you choose your own bonus categories, so this card is excellent if your spending aligns with its options. Getting unlimited cash back in the 2% and 1% categories is nice, too.

» MORE: Read our full review of the U.S. Bank Cash+™ Visa Signature® Card.

Ellen Cannon is a staff writer at NerdWallet, a personal finance website. Email: ecannon@nerdwallet.com. Twitter: @ellencannon.