U.S. Bank Cash+ Visa Signature Card Review

The U.S. Bank Cash+ Visa Signature Card is packed with features designed to provide exceptional, personalized value and a user-friendly experience.

For the savvy consumer who loves to strategize and maximize their rewards, the U.S. Bank Cash+ Visa Signature Card stands out as a uniquely powerful tool. This isn’t your average cash back card; it puts you in the driver’s seat, allowing you to choose your own high-reward spending categories each quarter. 

If you want a card that adapts to your life and rewards you richly for your most frequent purchases, from utility bills and streaming services to fast food and department stores, then this card is designed for you.

CREDIT CARD

U.S. Bank Cash+ Visa Signature

0% intro APR Cash back

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Incredible Benefits

• Customizable 5% Cash Back Categories: This is the card’s signature feature! Earn a phenomenal 5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories that you choose.
• Self-Selected 2% Cash Back Category: Beyond the 5% categories, you get to choose an additional everyday category to earn unlimited 2% cash back. Popular choices include grocery stores, restaurants, or gas stations/EV charging stations.
• Solid Welcome Bonus: New cardmembers can earn a $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
• $0 Annual Fee: Enjoy all the fantastic benefits and customizable rewards of this card without paying an annual fee.
• Long Introductory APR: Get a great head start with a 0% introductory APR for the first 15 billing cycles on both new purchases and balance transfers, giving you ample time to pay down large expenses or existing debt. 
• 5% Back on Prepaid Travel: In addition to your chosen categories, earn 5% cash back on prepaid air, hotel, and car reservations when you book them directly through the Rewards Center.
• Flexible Redemption Options: Easily redeem your cash back for a statement credit, a U.S. Bank Rewards Card, or a direct deposit into a U.S. Bank checking or savings account.
• U.S. Bank ExtendPay Plan: This feature allows you to pay off eligible purchases over time by dividing them into fixed monthly payments with a fixed monthly fee, offering a flexible alternative to carrying a balance at a variable APR.
• Visa Signature Benefits: As a Visa Signature card, you gain access to valuable perks such as roadside dispatch, travel and emergency assistance services, and an auto rental collision damage waiver.

Who Can Apply

To give yourself the best chance of being approved for the U.S. Bank Cash+ Visa Signature Card, you should generally meet the following criteria:

• Credit Score: It is recommended that applicants have a good to excellent credit score (typically a FICO score of 670 or higher).
• Age: You must be at least 18 years of age.
• Residency: You must be a resident of the United States with a valid physical U.S. address.
• Social Security Number: A valid Social Security Number is required for the application.
• Stable Income: You will need to provide information about your annual income.

How to Apply

Applying for the U.S. Bank Cash+ Visa Signature Card is a straightforward process that can be completed online.

1. Visit the U.S. Bank Website: Navigate to the official U.S. Bank website and find the application page for the Cash+ Visa Signature Card.
2. Complete the Application: Fill out the secure online application with your personal information, including your name, address, date of birth, Social Security Number, and financial details like your annual income.
3. Review the Terms and Conditions: Before submitting, carefully read and agree to the card’s terms and conditions, including the rates and fees.
4. Submit Your Application: Once you have filled out all the required information, submit your application.
5. Receive a Decision: U.S. Bank often provides a decision in as little as 60 seconds.

Frequently Asked Questions

1. Do I have to activate the 5% cash back categories each quarter?
   Yes, this is a key part of using the card effectively. You must log in to your U.S. Bank account and choose your 5% and 2% categories each quarter. If you forget to activate them, all of your purchases for that quarter will earn a flat 1% cash back.
2. What are some of the 5% cash back categories I can choose from?
   The list is extensive and can include practical categories that are often excluded by other cards, such as:
   • Home Utilities
   • TV, Internet & Streaming Services
   • Cell Phone Providers
   • Fast Food
   • Department Stores
   • Gyms/Fitness Centers
3. Is there a limit to how much I can earn with the 5% cash back?
   Yes, the 5% cash back rate applies to the first $2,000 in combined spending across your two chosen categories each quarter.18 After you reach that $2,000 limit, you will continue to earn unlimited 1% cash back on all purchases in those categories for the rest of the quarter. The 2% category has no spending cap.
4. Are there any major fees I should be aware of?
   The U.S. Bank Cash+ Visa Signature Card has a $0 annual fee.19 However, it does have a foreign transaction fee of 3%, so it may not be the best choice for purchases made outside of the United States. There is also a balance transfer fee.

CREDIT CARD

U.S. Bank Cash+ Visa Signature

0% intro APR Cash back

APPLY NOW You will be redirected