All information about the U.S. Bank Cash+® Visa Signature® Card has been collected independently by CardCritics™
U.S. Bank Cash+® Visa Signature® Card Review
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Written by
Josephine Nesbit
The U.S. Bank Cash+® Visa Signature® Card is a solid choice for those who want the opportunity to earn a lot back in rewards while avoiding an annual fee. On top of the card’s reward bonus, cardholders also get to choose two categories each quarter to earn 5% cash back – up to a spending limit – 2% back on one everyday category and 1% on everything else. On top of your selected categories, you also get 5% cash back on prepaid air, hotel and car bookings made through the card issuer’s Rewards Center.
Purchase and Balance Transfer APR
0% intro APR on purchases and balance transfers for the first 15 billing cycles, then a variable APR of 18.99% – 29.24% applies
Intro Bonus
$200 bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
Cash Rewards
1% – 5% 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 and EV Charging Stations, Grocery Stores or Restaurants.
1% cash back on all other eligible purchases.
Recommended Credit Score
Good/Excellent
670 – 850*
Annual Fee
$0
CardCritics™ Opinion
The U.S. Bank Cash+® Visa Signature® Card is a good option for those who want more control over maximizing their rewards and don’t mind the extra maintenance.
Our Critical Analysis:
U.S. Bank Cash+® Visa Signature® Card
- No annual fee
- High rewards rate
- Intro APR on purchases and balance transfers
- Flexible redemption options
PROS
- Spending caps on rewards
- 3% balance transfer fee and foreign transaction fee
- Rewards can be complicated
CONS
Welcome Bonus
The Cash+ Visa Signature Card offers a $200 bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
Important Fees to Consider
There’s no annual fee, and there’s a 0% intro APR on purchases and balance transfers for the first 15 billing cycles, then a variable APR of 18.99% – 29.24% applies. There’s also a 3% foreign transaction fee and balance transfer fee.
Rewards
The card also offers a higher rewards rate than many other credit cards. On your first $2,000 in combined eligible purchases each quarter, you can earn 5% cash back on two categories you choose, such as:
- Fast food
- Home utilities
- TV
- Internet and streaming
- Department stores
- Cell phone and electronic stores
- Sporting goods stores
- Movie theaters
- Gyms/fitness centers
- Furniture stores
- Ground transportation
- Select clothing stores
You can also earn 2% cash back on one everyday category, such as:
- Grocery stores and grocery delivery
- Restaurants
- Gas stations and EV charging stations
- Plus 1% cash back on all other eligible purchases.
When you book air, hotel and car reservations through the Rewards Center, you get 5% back on prepaid travel. You can also earn up to 5% cash back when you shop online through the Rewards Center Shopping Deals or download the browser extension for bonus rewards offers.
Rewards Redemption Options
There’s flexibility when it comes to redeeming rewards. Cash back is redeemed as a statement credit or a deposit made to your U.S. Bank Savings, Checking or Money Market Account or as a U.S. Bank Rewards Card.
Cash back rewards expire at the end of the calendar month 36 months after the billing cycle in which they were earned.
What Makes the Cash+ Visa Signature Card Stand Out
What makes the Cash+ Visa Signature Card stand out is its flexibility. Cardholders can select categories where they’ll earn the top cash back rate. However, the rewards structure isn’t simple. You’ll need to track the bonus categories for maximum cash back.
Is It the Right Card For You?
The Cash+ Visa Signature Card may be the right fit for you if any of the following apply:
- You want the freedom to choose your spending categories where you’ll earn a higher cash back rate.
- You want high rewards-earning potential.
- You don’t want to pay an annual fee.
- You want to take advantage an introductory APR for purchases or balance transfers.
- You don’t mind the complication of tracking categories and opting in each quarter.
Card Details From U.S. Bank
- $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 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 and EV Charging Stations, Grocery Stores or Restaurants.
- 1% cash back on all other eligible purchases.
- 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 18.99% – 29.24%.
- No Annual Fee
- Terms and conditions apply.
Frequently Asked Questions
Below are the answers to the most frequently asked questions about the U.S. Bank Cash+® Visa Signature® Card.
Is the U.S. Bank Cash+® Visa Signature® Card hard to get?
The Cash+ Visa Signature Card can be hard to get if you do not have the good to excellent credit it requires (670-850 FICO). You’ll also need the issuer’s income and debt-to-income (DTI) ratio requirements.
Is U.S. Bank Cash+® Visa Signature® Card a good card?
Yes, the Cash+ Visa Signature Card is considered a good card. You can earn a high cash back rate in several categories without paying an annual fee. If your spending habits change, you can select new categories each quarter to maximize rewards.
What is the credit limit on the U.S. Bank Cash+® Visa Signature® Card?
The credit limit on your Cash+ Visa Signature Card depends on your income, existing debts, credit history and creditworthiness. Existing cardholders can find their credit limit using online banking, within the U.S. Bank mobile app, or on your billing statement within the “Activity Summary” section.
What credit score do you need for a U.S. Bank Visa Signature Card?
U.S. Bank requires a credit score in the good to excellent range. Based on FICO credit scores, the minimum “good” credit score is considered to be 670.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.
