US Bank Cash+
5% on 2 chosen categories + 2% on 1 chosen — fully customizable.
External link to US Bank. We may earn a referral commission, at no cost to you.
5-year value calculator
How much US Bank Cash+ actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
Reward rates
What you earn back, by category.
$200 statement credit after $1,000 spend in 120 days
What you get
- 5% on 2 categories you choose ($2,000 quarterly cap)
- 2% on 1 chosen everyday category (gas, grocery, restaurants)
- 1% on everything else
- No annual fee
- Quarterly category swap
Eligibility
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
Best SaaS to pay with the US Bank Cash+
The SaaS subscriptions where US Bank Cash+ earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹1,24,440/yr.
Greenhouse
US Bank Cash+ pays 1% rewards on Greenhouse.
Drift
US Bank Cash+ pays 1% rewards on Drift.
Vanta
US Bank Cash+ pays 1% rewards on Vanta.
Drata
US Bank Cash+ pays 1% rewards on Drata.
Trello
5% rewards on productivity category — better than the 1% default.
PostHog
5% rewards on marketing category — better than the 1% default.
More cards in the US
Chase Sapphire Preferred
Chase
First-time travel-rewards card, sweet-spot earn rates
EXPRESS
American Express Gold
American Express
Heavy restaurant + grocery spenders ($1K+/mo on food)
Citi Double Cash
Citi
Set-it-and-forget-it 2% on everything