The best 5% bonus categories for you depend on where you do the bulk of your spending and what other rewards credit cards you have. The good thing is if your spending habits tend to shift from time to time, you can change your two 5% bonus categories every quarter. To maximize rewards, most folks choose categories that don't earn a bonus on other cards. For example, you may already have credit cards that earn bonus rewards on dining or TV, internet, streaming and phone services, so picking different categories on your U.S. Bank Cash+ Visa Signature Card, like home utilities or department stores, could make the most sense.