What makes this credit card offer different
This credit card offer should be judged by net value after annual fees and required spend, not just the welcome-bonus headline.
Credit Card
U.S. Bank Cash+ Bonus — Up to $200
Sign up for U.S. Bank Cash+ Bonus and earn up to $200 in bonus rewards.
Qualifying Period
within 90 days of account opening
Payout
1-2 statement billing cycles after meeting the spend requirement
Requirements
- ✓Spend $1,000 or more in eligible Net Purchases within 90 days of account opening
- ✓$1,000 in eligible net purchases within first 90 days of account opening
- ✓Spend $1,000 in eligible net purchases within 90 days of account opening
- ✓Min $1,000 spend in eligible purchases within 90 days of account opening
- ✓Minimum $1,000 in eligible net purchases within 90 days of account opening
- ✓Spend $1,000 in eligible purchases within 90 days of account opening
- ✓$1,000 in eligible purchases within 90 days of account opening
- ✓Spend $1,000 in eligible purchases within first 90 days of account opening
- ✓Approved for new U.S. Bank Cash+ Visa Signature card
- ✓Minimum $1,000 in eligible net purchases within 90 days
- ✓Spend $1,000 in eligible purchases within the first 90 days of account opening
- ✓Spend $1,000 or more in eligible purchases within 90 days of account opening
- ✓Spend $1,000 in eligible purchases within first 90 days
Restrictions
- ⚠New cardmembers only
- ⚠Existing and previous Cash Rewards accounts do not qualify
- ⚠Cannot be combined with other bonus offers
- ⚠Offer subject to credit approval
- ⚠Subject to credit approval
- ⚠New customers only
- ⚠Existing and previous U.S. Bank Cash Rewards accounts do not qualify
- ⚠New cardholders only
- ⚠Existing and previous Cash Rewards account holders do not qualify
- ⚠One-time bonus per applicant
- ⚠Cannot be combined with any other bonus offer
- ⚠One-time bonus per customer
- ⚠Offer may not be combined with any other bonus offer
- ⚠Offer is subject to credit approval
- ⚠One-time bonus; cannot be combined with other bonus offers
- ⚠One-time bonus per account
- ⚠One-time bonus
- ⚠May not be combined with any other bonus offer
- ⚠One-time bonus per person
- ⚠May not be combined with other bonus offers
- Offer not combinable with any other bonus offer
Fees
- $0 annual fee
- One-time bonus only
- Bonus cash does not apply toward account upgrades
- One-time bonus
- Net purchases are purchases minus credits and returns
- Bonus does not apply toward account upgrades
- One-time bonus cash does not apply toward account upgrades
- This offer may not be combined with any other bonus offer
- Offer is subject to credit approval
- Balance transfer fee: 5% of transfer amount ($5 minimum)
- Bonus awarded as cash back redeemable for statement credit or deposit to U.S. Bank account
- Cash back not earned on advances, convenience checks, balance transfers, fees, insurance charges, prepaid card funding, U.S. Mint purchases, or cash convertible items
- Rewards expire 36 months after the billing cycle in which earned
- Bonus is awarded for redemption when approved and after eligible Net Purchases of $1,000+ are made within 90 days from account opening
- Offer may not be combined with any other bonus offer
- One-time bonus, awarded upon approval and after spend requirement is met
- Cash rewards expire 36 months after the billing cycle in which they were earned
- Bonus payout is in the form of cash rewards credited to rewards balance
- Offer is for limited time only
- Bonus is awarded for redemption on rewards balance
- Cash back is not earned on Advances, Balance Transfers, Fees, or certain other transaction types
- Bonus credited as cash rewards to rewards balance
- One-time bonus will be awarded for redemption
- Balance transfer fee: 3% of transfer amount or $5 minimum, whichever is greater
- Foreign transaction fee: 3%
- 0% intro APR on purchases and balance transfers for first 15 billing cycles
- Bonus is credited as a statement credit to rewards balance
- 3% foreign transaction fee applies
- Offer subject to credit approval
- Bonus awarded for redemption only after account approval and spend requirement met
Last updated September 13, 2026
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Sep 13, 2026Change detected
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How to evaluate U.S. Bank Cash+ Bonus
Before applying, compare the welcome bonus against the annual fee, minimum spend, rewards currency, and issuer eligibility rules for repeat cardholders.
Qualification checklist
Timing
- Qualifying period
- within 90 days of account opening
- Payout timeline
- 1-2 statement billing cycles after meeting the spend requirement
How to qualify
- Spend $1,000 or more in eligible Net Purchases within 90 days of account opening
- $1,000 in eligible net purchases within first 90 days of account opening
- Spend $1,000 in eligible net purchases within 90 days of account opening
- Min $1,000 spend in eligible purchases within 90 days of account opening
Common pitfalls
- New cardmembers only
- Existing and previous Cash Rewards accounts do not qualify
- Cannot be combined with other bonus offers
- Offer subject to credit approval
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,750 median, so the requirements and any referral or portal stack matter more.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
How long do I have to qualify for U.S. Bank Cash+ Bonus?
The qualifying period listed for U.S. Bank Cash+ Bonus is within 90 days of account opening.
When does U.S. Bank Cash+ Bonus pay out?
The payout timeline listed for U.S. Bank Cash+ Bonus is 1-2 statement billing cycles after meeting the spend requirement.
