The U.S. Bank Cash+ Visa Signature

Supercharge your cash back earnings with customizable categories and unbeatable rewards!

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

Discover the ultimate way to maximize your rewards with a credit card that puts you in control of your earnings! This card offers an exciting cash back program that allows you to select your top spending categories and earn a phenomenal 5% cash back on up to $2,000 in combined purchases each quarter. 

From groceries to gas, and everything in between, this card adapts to your lifestyle and spending habits, giving you the freedom to earn big on what matters most to you. 

Making every transaction count and help you get the most out of your spending

Pros:

1. 5% Cash Back on Categories: Earn an impressive 5% cash back on the first $2,000 in combined purchases each quarter in categories you choose.
2. 2% Cash Back on Everyday Categories: Enjoy 2% cash back on one everyday category of your choice, such as gas stations or grocery stores.
3. 1% Cash Back on All Other Purchases: Earn a solid 1% cash back on all other purchases, making every dollar spent count.
4. Welcome bonus: Receive a rewards bonus when you make qualifying purchases within the first 90 days of opening your account.
5. No Annual Fee: Benefit from all the rewards without the hassle of an annual fee.
6. Quarterly Category Selection: Tailor your rewards by choosing the categories where you spend the most each quarter.
7. Flexible Rewards Redemption: Use your cash back for statement credits or other flexible redemption options.

Cons:

1. Category Rotation: The 5% categories change quarterly, which requires you to keep track of your selections.
2. Potential for Complex Management: Managing quarterly categories and maximizing cash back may be more complex than flat-rate cards.
3. No Introductory APR Offer: The card does not offer an introductory 0% APR period on purchases or balance transfers.

Why Should You Consider This Card?

This card is perfect for the savvy spender who loves to customize their rewards and maximize their cash back. If you’re someone who wants to take control of their credit card rewards and enjoys earning high cash back on categories that match your spending habits, this card is tailor-made for you.

It’s especially beneficial for those who regularly spend in specific categories like groceries, gas, or dining, and want to earn the most cash back from their everyday purchases. If you value flexibility and want to make sure your rewards align with your lifestyle, this card is the ideal choice.

Additionally, this card is designed for those who prefer a straightforward rewards system without the burden of an annual fee. With its flexible cash back options and the ability to choose and change spending categories each quarter, it’s perfect for individuals who like to keep their finances dynamic and responsive to their needs.

Whether you’re looking to boost your cash back earnings or simply enjoy the perks of a well-rounded rewards program, this card offers the benefits and flexibility to help you get the most out of every purchase.