Last updated on February 24th, 2023
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U.S. Bank Cash+® Visa Signature® Card
U.S. Bank Cash+® Visa Signature® Card
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening Intro Purchase APR
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.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- 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
- 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
U.S. Bank Cash + Visa Signature Card Review
The U.S. Bank Cash+ Visa Signature Card is a cash back credit card designed to give you the power over how you earn your rewards. The card offers an impressive 5% cash back on select categories, 2% back on a select “everyday” category, and 1% back on every other purchase made with the card.
5% Cash Back Categories
The unique selling point of the Cash+ Visa Signature is the ability to select your categories to maximize your cash back earnings. Cardholders earn 5% back on the first $2,000 in combined eligible purchases the following categories:
|TV, internet, and streaming services||Cell phone providers||Electronics stores|
|Fast food||Home utilities||Furniture stores|
|Department stores||Clothing stores||Movie theaters|
|Ground transportation||Fitness centers||Sporting goods stores|
The Cash+ also earns 5% back on travel purchases, specifically, prepaid air, hotel and car reservations booked directly in the U.S. Bank Rewards Travel Center.
2% Cash Back Categories
Cardholders can select the two categories they spend the most in and can change their selections each quarter. Cardholders also have the same option with their 2% “everyday” category, selection one of the following three categories each quarter:
- Grocery stores
- Gas stations
How to Redeem
Cash back redemption options with the U.S. Bank Cash Plus Card are straight forward, with three redemption options from which to choose. Cardholders can receive their cash back as a statement credit, a direct deposit into a U.S. Bank checking, savings, or money market account, or simply use their rewards card to use their rewards.
Other Card Features
The card also comes with Visa Signature benefits, including 24/7 access to Visa Concierge (offering travel and entertainment assistance), Auto Rental Collision Damage Waiver, $1,000.000 in travel accident insurance, and Visa’s comprehensive fraud and liability protections. The card also comes with no annual fee – always a pleasant surprise.
Should You Apply for the U.S. Bank Cash Plus Visa Signature Card?
The U.S. Bank Cash+ Visa Signature Card is an excellent cash back credit card for those who want the power to decide where they earn their rewards. Cardholders have the option to select two categories in which they earn 5% cash back for every purchase, an everyday category in which they earn 2% back, and earn a flat-rate 1% back on every other purchase. The ability to change categories each quarter is a very nice feature, and one that allows cardholders to maximize their earning through careful planning.
The introductory offer of a $150 bonus after making just $500 in purchases within the first 90 days isn’t head-turning, but it is an easily achievable goal that provides real value for money. The addition of no annual fee, plus Visa Signature benefits, makes this a very valuable card that more than holds its own against other popular cash back cards, including the Chase Freedom Flex, Freedom Unlimited or Discover It Cash Back. Other popular options include the Citi® Double Cash Card – 18 month BT offer (unlimited 2% back) and the Citi Custom Cash℠ Card.