U.S. Bank Cash+ Visa Signature Card Review

Tailor your cash-back rewards to match your lifestyle with one of the most flexible credit cards available today.

The U.S. Bank Cash+ Visa Signature Card redefines what it means to earn rewards with your credit card. This card stands out by putting control into the hands of its users, allowing you to customize your cash-back categories to align with your spending habits. Whether you’re focused on everyday expenses or occasional splurges, this card ensures that your spending works smarter for you.

With no annual fee and a straightforward rewards program, this card is a favorite among those who value flexibility and transparency. Designed for savvy spenders, it combines the freedom of personalized rewards with the backing of U.S. Bank’s trusted financial services.

CREDIT CARD

U.S BANK CASH VISA SIGNATURE+

NO ANNUAL FEE CASHBACK 5%

GET CARD You will be redirected

Detailed Benefits

5% Cashback on Your Selected Categories

Take control of your rewards by choosing two categories where you’ll earn an impressive 5% cash back on up to $2,000 in combined purchases per quarter. From groceries to gas or home improvement stores, the power to decide is in your hands!

2% Cashback on Everyday Spending

Choose one everyday category, such as dining or streaming services, and enjoy 2% cash back on those purchases. This steady earning opportunity ensures your routine expenses work harder for you.

1% Cashback on All Other Purchases

For everything else you buy, earn 1% cash back without limits. It’s a simple and consistent way to ensure every transaction helps you accumulate rewards.

Generous Welcome Bonus

Kickstart your rewards journey with a $200 bonus after spending $1,000 on eligible purchases within the first 90 days of account opening.

No Annual Fee

Maximize your rewards with zero annual fees. This card offers valuable benefits without adding extra costs to your budget.

0% Intro APR for Purchases and Balance Transfers

Enjoy 0% introductory APR on purchases and balance transfers for the first 15 billing cycles, giving you the flexibility to manage large purchases or consolidate debt without immediate interest charges.

Premium Visa Signature Perks

Unlock exclusive Visa Signature benefits like concierge services, unique offers, and emergency travel assistance, all designed to elevate your cardholder experience.

Extended Warranty Protection

Enjoy extended warranty coverage on eligible purchases, offering additional security for your valuable items beyond the manufacturer’s warranty.

Purchase Protection

Rest easy knowing your eligible purchases are protected against theft or accidental damage, helping safeguard your investments.

Travel and Emergency Assistance Services

Access travel accident insurance, rental car coverage, and emergency assistance whenever you need it, ensuring a worry-free journey.

Cell Phone Insurance

Protect your phone against theft or damage by paying your monthly bill with your U.S. Bank Cash+ Visa Signature Card.

Flexible Reward Redemption Options

Redeem your cash-back rewards easily—apply them to your statement balance, or use them for gift cards, travel, or merchandise. The flexibility ensures your rewards fit your lifestyle and preferences.

Who Can Apply?

Applicants must meet basic eligibility criteria, including being at least 18 years old (or 21 in Puerto Rico), having a valid Social Security number, and possessing a good to excellent credit score (typically 670 or higher). U.S. residency or citizenship is also required.

How to Apply for the U.S. Bank Cash+ Visa Signature

1. Visit the U.S. Bank Website: Go to the official U.S. Bank site and navigate to the Cash+ Visa Signature Card page.
2. Review the Terms: Familiarize yourself with the terms and conditions, including the APR and rewards structure.
3. Complete the Application: Provide your personal details, including name, address, Social Security number, and income information.
4. Submit Your Application: Once your information is complete, submit your application and wait for a decision, which may be instant or take a few days.

FAQs

What are the 5% cash-back categories?

The categories vary but typically include options like internet services, streaming subscriptions, cell phone providers, utilities, and department stores.

Is there a limit to the 5% cashback?

Yes, the 5% cash back applies to the first $2,000 in combined eligible purchases in your chosen categories each quarter.

How often can I change my categories?

You can update your 5% and 2% cash-back categories every quarter, allowing you to adjust as your spending needs evolve.

Does this card have foreign transaction fees?

Yes, there is a foreign transaction fee of 3%, so it may not be the best option for international travel.

How do I redeem my rewards?

You can redeem your cash-back rewards through the U.S. Bank online portal as a statement credit, direct deposit, or gift card.

CREDIT CARD

U.S BANK CASH VISA SIGNATURE+

NO ANNUAL FEE CASHBACK 5%

GET CARD You will be redirected