U.S. Bank Cash+® Visa Signature® Card
- Annual fee
- None
- Recommended credit
- Excellent
- Card network
- Visa
- Intro purchase APR
- 0% for 15 months from account opening
At a glance
The U.S. Bank Cash + Visa Signature Card is an excellent cash back credit card that gives holders the power to decide how they earn their cash back. The card earns 5% back on two select categories you choose, 2% back on one “everyday” category a user selects, and 1% back on all other purchases.
Our review of the U.S. Bank Cash+® Visa Signature® Card
In-Depth Review: U.S. Bank Cash+® Visa Signature® Credit Card
The U.S. Bank Cash+ Visa Signature Card is a cash back credit card that puts you in control of how you earn rewards. With an impressive 5% cash back on select categories, 2% back on a select “everyday” category, and 1% back on all other purchases, plus a 0% intro APR and no annual fee, this card offers great value.
Who Can Benefit from the US Bank Cash+® Visa Signature® Card
The U.S. Bank Cash+® Visa Signature® Card is ideal for individuals looking to earn cash back on everyday purchases without paying an annual fee. It’s especially beneficial for those who frequently spend on groceries, gas, or dining out. By choosing these categories for 5% cash back rewards, you can maximize your earnings and get more value from your spending.
Moreover, this card is perfect for those who want flexibility in their rewards. You can customize your own categories to align with your lifestyle and spending habits, whether you prefer cash back on travel, entertainment, or home improvement.
No Pre-Qualify Before Applying
US Bank does not offer a pre-qualification portal for potential applicants. Pre-approval offers are sent by mail, containing specific details and an offer code for application. This may be a downside for those without an existing banking relationship with US Bank.
Credit Needed
Introductory APR Benefits
The Cash+ Visa Signature Card offers a 0% APR for 15 months on purchases and balance transfers, making it a great option for financing significant purchases.
Welcome Offer
New accounts can earn a $200 rewards bonus by spending $1,000 on eligible purchases within the first 120 days of account opening. This welcome offer is easily achievable, requiring around $333 in monthly spending.
Earn Up to 5% Cash Back
Cardholders can earn 5% back on select categories and 5% back on travel purchases through the Rewards Travel Center. Additionally, earn 2% back on gas, groceries, and dining, and 1% back on all other purchases.
How to Redeem Rewards
Cash back can be redeemed as a statement credit, prepaid card, merchant gift cards, or deposited into a US Bank account. Rewards never expire as long as the account is open and active.
Shipt
Enjoy three months of free Shipt membership and nine months at 50% off, with free delivery on orders $35+.
NortonLifeLock
Access ID Navigator Powered by NortonLifeLock for security features like Dark Web monitoring and stolen wallet assistance.
Online and Mobile Access
Manage your card with ease, including contactless payments, adding authorized users, and financial education tools.
U.S. Bank ExtendPay® Plan
Access promotional financing with no fees on ExtendPay Plans opened within 60 days of account opening.
Comparison
### What We Like About the Cash+ Card
- Customization of Rewards
- Lengthy 0% APR Periods
- No Annual Fee
Things to Consider
- Foreign Transaction Fee
Should You Apply for the U.S. Bank Cash Plus Visa Signature Card?
The U.S. Bank Cash+ Visa Signature Card is a top choice for cash back rewards with customizable categories. With a $200 bonus offer, no annual fee, and Visa Signature benefits, this card provides great value. It competes well with other popular cash back cards like the Chase Freedom Flex, Freedom Unlimited, or Discover It Cash Back.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center
- 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
- 1% cash back on all other eligible purchases
- No Annual Fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan
- Terms and conditions apply
Who this card may suit
- You want the ability to choose your enhanced cash back categories
- You like the freedom of switching categories each quarter
- You don’t want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 15 months from account opening |
| Regular Purchase APR | 19.74% to 29.74% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 15 months on transfers made within 60 days from account opening date |
| Balance Transfer APR | 19.74% to 29.74% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $5 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 2% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $41 |
| Return Payment Penalty Fee | Up to $41 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit.
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U.S. Bank Cash+® Visa Signature® Card
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