U.S. Bank Cash+ Visa Signature: Summer gas bills justify the application
You're probably looking at this card because gas prices jumped again and you're tired of watching your commute drain your checking account. Summer road trips make it worse. The Cash+ lets you pick gas stations as a 5% category through Q3, which beats the flat 2% you're getting now. If you're already spending $250/month on gas ($3,000/year), that's $150 cash back versus $60 with a basic card. Pick groceries as your second category and you're actually using this thing strategically. The signup takes ten minutes, approval is quick with a 720+ score, and you can swap categories in January when your spending shifts.
Just don't get lazy and forget to optimize those category picks quarterly.