U.S. Bank Perks+ Visa®
The U.S. Bank Perks+ Visa® from U.S. Bank earns up to 2% effective value on grocery in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Grocery
- Effective value
- 2%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the U.S. Bank Perks+ Visa earn in each category?
Grocery is the strongest category at 2% effective value (2x points at about 1 cents each). That grocery rate ranks higher than about 47% of the 1,552 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Grocery is the strongest category at 2% effective value (2x points at about 1 cents each). That grocery rate ranks higher than about 47% of the 1,552 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% |
| Grocery Supermarkets and grocery stores | 2x points | 2% Top category |
| Gas Gas stations and fuel | 2x points | 2% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values U.S. Bank FlexPoints at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the U.S. Bank Perks+ Visa reward caps and conditions?
The U.S. Bank Perks+ Visa has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 2X points at gas stations and EV charging stations
- 2X points at grocery stores, including grocery delivery
Who should get the U.S. Bank Perks+ Visa?
The U.S. Bank Perks+ Visa fits spenders who put meaningful volume in grocery and can earn 2x points. Best for spenders who put meaningful volume in grocery and can earn 2x points. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
U.S. Bank Perks+ Visa fits spenders who put meaningful volume in grocery and can earn 2x points. Madeen ranks its grocery effective rate higher than about 47% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in grocery and can earn 2x points.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is grocery at about 2% effective (2x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- U.S. Bank FlexPoints value depends on how you redeem, not straight cash back.
Does the U.S. Bank Perks+ Visa have an annual fee, and what's the welcome bonus?
The U.S. Bank Perks+ Visa has an annual fee of $0 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the U.S. Bank Perks+ Visa?
The U.S. Bank Perks+ Visa includes ID Navigator Powered by NortonLifeLock™, Roadside Dispatch®, Visa Signature® Luxury Hotel Collection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- ID Navigator Powered by NortonLifeLock™
No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can provide you with greater peace of mind. ID Navigator Powered by NortonLifeLock provides you with the tools to help keep you informed of potential threats to your identity, so you can act quickly should the unexpected happen
- Roadside Dispatch®
Get emergency roadside assistance with services like towing, fuel delivery, and more by calling 1-800-847-2869. Tell the operator where you are, what the problem is, and the operator will arrange a dispatch to a reliable tow operator or locksmith to provide help. The operator will let you know the name of the local tow operator or locksmith being sent to assist you.
- Visa Signature® Luxury Hotel Collection
The Visa Signature Luxury Hotel Collection offers an unparalleled experience with a premium collection of benefits like VIP status, complimentary breakfast for two, an upgrade when available.
Common questions about the U.S. Bank Perks+ Visa
Does the U.S. Bank Perks+ Visa have an annual fee?
The U.S. Bank Perks+ Visa carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the U.S. Bank Perks+ Visa?
Grocery is the strongest Madeen category for the U.S. Bank Perks+ Visa at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the U.S. Bank Perks+ Visa charge foreign transaction fees?
The U.S. Bank Perks+ Visa does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the U.S. Bank Perks+ Visa?
Madeen's catalog lists a typical credit range of Excellent for the U.S. Bank Perks+ Visa. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the U.S. Bank Perks+ Visa?
Rewards on the U.S. Bank Perks+ Visa post as U.S. Bank FlexPoints. Redemption value depends on how you use U.S. Bank FlexPoints (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do I maximize rewards on the U.S. Bank Perks+ Visa?
To maximize the U.S. Bank Perks+ Visa, route grocery and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout—no bank login required. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the U.S. Bank Perks+ Visa compare to similar cards?
Compare the U.S. Bank Perks+ Visa against U.S. Bank FlexPerks Reserve American Express (2% on Grocery, $299 fee); H-D™ H.O.G.™ Elite Visa Signature (5% on Gas, $99 fee); U.S. Bank Cash+ Visa Signature (5% on Travel, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
U.S. Bank Perks+ Visa This card | Grocery | 2% | $0 |
| Grocery | 2% | $299 | |
U.S. Bank | Gas | 5% | $99 |
U.S. Bank | Travel | 5% | $0 |
| Gas | 4% | $0 |
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