How can I redeem my U.S. Bank Cash+ rewards? This question is about the U.S. Bank Cash+® Visa Signature® Card

You can redeem your U.S. Bank Cash+ rewards through your online account on the U.S. Bank website, or your mobile app. You can also redeem your U.S. Bank Cash+ rewards by calling the Cardmember Services number on the back of your card. Here is how to redeem your U.S. Bank Cash+ rewards: Log in to your online account. Select "My Accounts" at the top of the page. Choose "Redeem Rewards & Access Card Benefits" Choose your desired redemption option and follow the prompts to complete your request. Here are your U.S. Bank Cash+ rewards redemption options: Cash back: You can simply have your cash back rewards deposited into your U.S. Bank deposit account (savings, checking or money market accounts). This option requires redeeming at least $25. Statement credit: Your cash back rewards can be applied to reduce your balance, but will not count toward your minimum payment. This option requires redeeming at least $25. U.S. Bank Rewards Card: You can also redeem your rewards as a prepaid U.S. Bank Rewards Card. This option requires redeeming at least $25 ($5 increments thereafter). Real-Time rewards: You can enroll in Real-Time rewards to use your cash back rewards as you make your eligible purchases. There's a $10 minimum redemption for Real-Time Rewards. Don't forget that the U.S. Bank Cash+ rewards expire 36 months after the billing cycle in which they were earned.

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How can I redeem my U.S. Bank Cash+ rewards?

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This question is about the U.S. Bank Cash+® Visa Signature® Card

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Paddy Sullivan, WalletHub Credit Card Advisor

@PaddySully • 10/15/21 This answer was first published on 10/15/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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You can redeem your U.S. Bank Cash+ rewards through your online account on the U.S. Bank website, or your mobile app. You can also redeem your U.S. Bank Cash+ rewards by calling the Cardmember Services number on the back of your card.

Here is how to redeem your U.S. Bank Cash+ rewards:

Log in to your online account.
Select "My Accounts" at the top of the page.
Choose "Redeem Rewards & Access Card Benefits"
Choose your desired redemption option and follow the prompts to complete your request.

Here are your U.S. Bank Cash+ rewards redemption options:

Cash back: You can simply have your cash back rewards deposited into your U.S. Bank deposit account (savings, checking or money market accounts). This option requires redeeming at least $25.
Statement credit: Your cash back rewards can be applied to reduce your balance, but will not count toward your minimum payment. This option requires redeeming at least $25.
U.S. Bank Rewards Card: You can also redeem your rewards as a prepaid U.S. Bank Rewards Card. This option requires redeeming at least $25 ($5 increments thereafter).
Real-Time rewards: You can enroll in Real-Time rewards to use your cash back rewards as you make your eligible purchases. There's a $10 minimum redemption for Real-Time Rewards.

Don't forget that the U.S. Bank Cash+ rewards expire 36 months after the billing cycle in which they were earned.

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U.S. Bank points are worth 1.3 cents per point, on average. The value of U.S. Bank points depends on how you choose to redeem the points. For example, points from U.S. Bank are worth up to 1.5 cents each when redeemed for travel through the FlexPerks Rewards program, and they are worth 1 cent each when redeemed for cash back.… read full answer

U.S. Bank Points Value by Redemption Method

Redemption Method	Average Point Value	Value of 1,000 Points
Travel	1.5 cents	$15
Cash Back	1 cent	$10
Gift Cards	1 cent	$10
Merchandise	Varies	Varies

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Tips for Maximizing the Value of U.S. Bank Points

Redeem Points for Travel.

U.S. Bank points are worth the most when redeemed for travel.

Redeem U.S. Bank points regularly.

U.S. Bank points do not expire due to account inactivity, but stockpiling points does put you at risk of rewards devaluation. Plus, you won't get to enjoy the fruits of your spending if you don't redeem.

Keep your account in good standing.

If U.S. Bank closes your account because of a failure to pay the bill or fraudulent activity, you'll lose any unredeemed points you have saved.

Redeem before closing your account.

Any points you don't redeem before closing your account will be lost.

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How do you redeem cash back rewards?

You can redeem cash back rewards by logging in to your credit card issuer’s website and clicking the “Redeem Rewards” link, which will be slightly different for each issuer. In some cases, you can also redeem cash back through the card issuer’s mobile app or by calling the number on the back of your card.… read full answer

Common redemption options for cash back rewards include statement credits, checks, direct deposits to a bank account, and gift cards. The most convenient way to redeem cash back rewards is generally by getting a statement credit, which decreases any outstanding balance on your credit card account. If you don’t have an outstanding balance, a statement credit will count toward future purchases.

How to Redeem Cash Back Rewards

Click the “Redeem Rewards” link (exact wording varies by issuer).

Pick the card you want to use for rewards redemption.

Browse through the different redemption options and choose your preferred redemption method.

Specify how much you want to redeem and complete the cash back rewards redemption process.

The exact details of these steps may differ slightly depending on your card’s issuer, but they should be pretty similar overall. Some credit card issuers may automatically redeem cash back for you, and some will give you the option to set up auto-redemption yourself. Just make sure you don’t wait too long to redeem because you don’t want to lose your cash back due to account closure or rewards expiration.

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What's the best U.S. Bank cash back credit card?

The best U.S. Bank cash back credit card is the U.S. Bank Cash+® Visa Signature® Card. This card gives 1 - 5% cash back on purchases and has an annual fee of $0. The U.S. Bank Cash+ Card also offers an initial bonus of $200 cash back for spending $1,000 in the first 120 days after account opening.

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Once you earn cash back on a U.S. Bank credit card, you can redeem it for statement credits or deposits into a U.S. Bank account, among other options.… read full answer

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