The U.S. Bank Cash+ Visa Signature

If you're a savvy spender looking to earn more on the categories that matter most to you, the U.S. Bank Cash+ Card is a top-tier choice.

CREDIT CARD

U.S. Bank Cash+ Visa Signature

5% cash back No annual fee

SEE HOW TO APPLY You will remain on the current site

With the U.S. Bank Cash+ Visa Signature Card you earn 5% cash back on your biggest expenses, like your home utility bills or your weekly fast-food runs, without being locked into a card’s predetermined categories. This powerful and flexible card puts you in the driver’s seat, letting you choose where you earn your top rewards each quarter. It’s the perfect no-annual-fee card for savvy spenders who want to maximize cash back based on their unique lifestyle.

Take Control of Your Rewards with the U.S. Bank Cash+ Visa Signature Card

It Adapts to Your Life

• Customizable 5% Cash Back: This is the card’s superpower. You get to choose two categories each quarter to earn a high 5% cash back. These categories often include options you can’t find elsewhere, like home utilities, internet & streaming services, cell phone providers, and gyms/fitness centers. You earn this rate on up to $2,000 in combined spending in these categories each quarter.
• You Choose Your 2% Category: In addition to the 5% categories, you also get to pick one everyday category to earn an unlimited 2% cash back. Your choices are typically grocery stores, gas stations/EV charging stations, or restaurants.
• $0 Annual Fee: You get access to this incredible level of customization and high earning potential for a $0 annual fee.
• Strong Introductory Offers: New cardholders can earn a $200 welcome bonus after spending $1,000 in eligible purchases within the first 90 days. The card also features a 0% intro APR on both purchases and balance transfers for the first 15 billing cycles (a variable APR applies afterward).

Where It Shines (and Where It Doesn’t)

• Quarterly Activation Required: To earn your 5% and 2% cash back, you must remember to log in and select your categories each quarter. If you forget to choose, all your purchases will only earn a base rate of 1%.
• Spending Cap on 5% Rewards: The 5% cash back rate is limited to the first $2,000 in combined purchases across your two chosen categories each quarter. Any spending beyond that cap earns 1%.

Is This the Right Card for You?

This card is perfectly suited for the organized, strategic spender who wants to maximize rewards on their specific spending habits. It’s an ideal choice for individuals whose largest monthly expenses fall into unique categories like home utilities, cell phone bills, or streaming services—areas where most other cards don’t offer bonus rewards. If you enjoy being in control of your earnings and don’t mind a few minutes of management each quarter, this card offers one of the most personalized cash back experiences available.