U.S. Bank Cash Back Credit Cards

Cash+

Application Link (Target: $100; Current: No bonus, but .5% increased cashback first year)

Annual Fee: $0

Earning

  • First Year: 5.5% cash back for the first $2,000 in combined net purchases each quarter in two categories; 2.5% cashback on one category you choose for the year, and 1.5% on all other net purchases.
  • Year 2+: 5.0% cash back for the first $2,000 in combined net purchases each quarter in two categories; 2.0% cashback on one category you choose for the year, and 1.0% on all other net purchases.
  • 5% Categories: Select Clothing Stores, Cell Phones, Electronic Stores, Car Rental, Gyms/Fitness, Bookstores, Fast Food, Charity, Sports Goods, Department Stores, Furniture Stores, Movie Theaters.
  • 2% Categories: Gas, Grocery, or Restaurants.

 

 

Cash 365 (American Express)

Application Link (No Bonus)

Annual Fee: $0

Earning: First Year: 2% cashback; After first year: 1.5% cashback

Benefits: Extended Warranty and Return Protection

Verdict: You are better off getting a card that always offers 2% or USAA’s 2.5% cashback card. Or the American Express Blue Business Plus. 

 

 

Platinum

Application Link (no bonus or rewards)

Annual Fee: $0

Earning: Nothing!

Benefits: 18 months of 0% APR and Cell Phone Protection (this is the only reason to ever consider this card, but I would still avoid unless you only want to put your phone bill on the card, but many other great cards offer this benefit as well such as the Chase Ink Preferred or Barclays’ Uber card).