Cash back credit cards

How do cash back credit cards work?

Cash back is earned for eligible purchases, typically at a fixed rate for what you spend or with higher rates offered in certain spending categories. Most cards have a limit on how much cash back you can earn.

What are the different types of cash back credit cards?

Spending categories: You can choose a card that gives you a higher rate for spending in a certain category like at gas stations, restaurants or with streaming services. Or choose a card that lets you change the spending category at regular intervals.

The U.S. Bank Cash+^® Visa Signature^® Card allows you to choose your categories while the U.S. Bank Shopper Cash Rewards^™ Visa Signature^® Card gives you the ability to earn cash back from top retailers.

Fixed-rate: When you use a fixed-rate cash back credit card, you get the same rewards rate no matter where you shop.

How do I redeem cash back rewards?

You can choose to have the cash deposited into your bank account or applied toward your credit card bill.

How do I choose a cash back credit card?

Compare rewards categories to see which card gives you the most cash back for the categories you spend the most money in. Also, some cards offer more cash back when you shop with certain retailers, so you can save even more at your favorite stores.