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U.S. Bank Cash+® Visa Signature®
The U.S. Bank Cash+® Visa Signature® Card can be a strong choice for online shoppers who frequently buy from merchants that fall into eligible 5% cashback categories. You can choose two 5% cashback categories each quarter, earning 5% back on the first $2,000 in combined net purchases in those two categories. Purchases above the $2,000 quarterly limit earn 1% cashback.
For online shopping, the Department Stores, Electronics Stores, and Sporting Goods Stores categories can be particularly useful. U.S. Bank says most online purchases from merchants in these categories can qualify, but individual purchases are subject to merchant category coding and certain merchants or purchases may be excluded.
Department Stores
✅ Examples of Online Purchases That Must Qualify
U.S. Bank says most online purchases from merchants in its Department Stores category also qualify. Its sample merchant list includes:
- Bloomingdale’s
- Kohl’s®
- Saks Fifth Avenue
- Macy’s
- Dillard’s
- Nordstrom
- JcPenney®
- Nordstrom Rack
- Von Maur®
- Off 5th
- Bon-Ton®
- Loehmann’s
- Boston Store®
- Soma Intimates
❌ Excluded Purchases
- Sears.com purchases do not qualify.
- Purchases at Target®, Walmart® and Costco® do not qualify.
Electronics Stores
✅ Examples of Online Purchases That Must Qualify
U.S. Bank says the Electronics Stores category includes most online purchases from merchants such as BestBuy.com and Frys.com. Its sample merchant list includes:
- Bestbuy.com®
- Frys.com
- Newegg.com®
❌ Excluded Purchases
- Electronics purchases from telecom companies such as Verizon or AT&T® do not qualify.
- Electronics purchases from Target®, Walmart®, and Costco® do not qualify.
Sporting Goods Stores
✅ Examples of Online Purchases That Must Qualify
U.S. Bank specifically says the Sporting Goods Stores category includes online purchases from merchants such as,
- Backcountry.com
- theclymb.com
❌ Excluded Purchases
Keep in mind: You must select your categories each quarter to receive the 5% rate. Purchases above the $2,000 quarterly 5% spending limit earn 1% cashback. Merchant category coding determines whether a purchase qualifies, so a purchase from a merchant listed by U.S. Bank is not guaranteed to receive the bonus rate. Category options may also change from quarter to quarter.
U.S. Bank’s sample merchant lists are intended as a guide and are not exhaustive. U.S. Bank does not control how individual merchants or purchases are categorized.
