The U.S. Bank Cash+ allows you to set two categories at 5% cash back. Restaurants is one of those options. Every redemption of $100 cash back earns a $25 Visa card.
So Cash+ and redeem at $100: 6.25% Cashback
Cash+ and US Bank Gold Checking and redeem at $100: 6.5625% Cash back
(DD or Autopay Credit Card to waive Checking fee )