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$250 US Bank Bonus
The U.S. Bank Cash+ Visa Signature Card is one of the more interesting options available right now.
New cardholders can currently earn a $250 bonus after spending $1,000 within the first 90 days of account opening. The card also comes with no annual fee, which makes it easier to keep long term.
What really makes this card stand out is the ability to customize your rewards categories every quarter instead of being locked into fixed categories.
The Current Sign-Up Bonus
Here’s the current welcome offer:
Earn $250 in bonus cash back
Spend $1,000 in eligible purchases within 90 days
No annual fee
For a no-annual-fee cash back card, a $250 bonus is solid — especially considering the spending requirement is fairly manageable compared to many premium cards.
Why People Like This Card
A lot of cash back cards force you into rotating categories or generic rewards rates. The Cash+ card gives you more control.
For example:
Heavy streaming and internet user? Pick that category.
Big utility bills every month? Choose home utilities.
Spend a lot at fast food places? Make that a 5% category.
That flexibility is what has helped the card develop a loyal following among cash back enthusiasts. Some users on Reddit specifically mention using it for utilities and recurring monthly bills that are hard to optimize with other cards.
Is the Bonus Worth It?
For many people, yes.
A $250 bonus with a $1,000 spending requirement is a good return for a no-annual-fee card. The real long-term value comes from the customizable 5% categories, especially if your spending lines up with utilities, streaming, internet, or fast food.
This card probably works best for someone who:
Doesn’t mind managing categories quarterly
Wants to maximize cash back in specific spending areas
Already has a simple flat-rate card and wants a “specialized” rewards card to pair with it
If you prefer a completely hands-off setup, a flat 2% cash back card may be easier. But if you’re willing to spend a few minutes each quarter selecting categories, the Cash+ card can be surprisingly rewarding.
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