Posted by William Charles on November 20, 2014
Credit Cards no image

Published on November 20th, 2014 | by William Charles


U.S Bank Drops Restaurants As A 5% Cashback Category On Their Cash+ Credit Card

U.S bank has made yet another negative change to their Cash+ credit card, it’s no longer possible to select restaurants as a 5% cash back category. Unlike other 5% cash back credit cards that offer rotating categories, the Cash+ card allows you to select which category you’d like to earn 5% cash back in on $1,500 in purchases per quarter.

I don’t think the U.S bank cash+ card is worth applying for directly and I don’t think it ever really has been. Although you can downgrade existing U.S bank cards to this product. Because this card has no annual fee I think it’s the best downgrade option when it comes to U.S bank credit cards.

If you’re looking for a credit card that earns at a high rate on restaurant purchases, I’d recommend reading this post on the best restaurant credit cards. Here are my top four cards for restaurant purchases:

  • Sam’s Club: No annual fee. Earns at the following rates:
    • 5% on gas
    • 3% on restaurant purchases
    • 3% on travel purchases
  • Chase AARP: No annual fee and 3% cash back on grocery store and restaurant purchases.
  • Chase Freedom: 5% cash back on the first $1,500 per quarter and no annual fee. This card has rotating categories that are not always restaurants, usually restaurants are one quarter per year. You can click here to view the historical data for when restaurants were 5% categories.
  • Discover it: No annual fee and 5% cash back in rotating categories on the first $1,500 in spend per quarter. Similar to the Chase Freedom in that it restaurants are a 5% category usually once per year.

Do you have a U.S bank cash+ card? Does this change affect you?

Leave a Reply


newest oldest most voted
Notify of

They dropped the restaurants to 2%. The other negative change is they are removing pharmacies as a 2% option.


“Chase AARP: No annual fee and 3% cash back on grocery store”. Should read, “on gas”.


[…] categories change, see up-to-date info here. It used to be possible to earn 5% at restaurants but they gutted that option. The card also earns 2% in one of the following […]

Back to Top ↑