U.S. Bank Cash+ Visa Signature Card

The Cash+ is the card to pick if you want to aim your own 5%: you choose two 5% categories each quarter (combined first $2,000) from a list that includes things like utilities and home utilities most cards ignore, plus a 2% everyday pick. Max the 5% cap and that's $100 back per quarter, $400 a year, but you must re-enroll every quarter or you drop to 1%, so it punishes forgetful users. There's a 3% foreign fee too. If you'd rather not manage category picks, a flat-rate or automatic-bonus card is less hassle; confirm the current 5% category list on U.S. Bank's site each quarter.

U.S. Bank Cash+ Visa Signature Card at a glance

Rewards & perks

• Select 5% categories such as utilities, streaming or home utilities
• 2% on one everyday category you choose, like gas or grocery
• You have to enroll in categories each quarter

Pros

• Carries no yearly fee
• 5% categories you set yourself
• A 0% intro APR period

Cons

• Categories have to be selected every quarter
• The 5% rate stops at $2,000 per quarter
• Tacks on a 3% fee for foreign transactions

Who should apply

• A credit score in the good-to-excellent range
• Quarterly category selection is needed to earn the 5%
• Enough income to back the credit line

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official U.S. Bank site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.