The U.S. Bank Cash+® Visa Signature® Card offers tailored rewards to match your spending. It provides 5% cash back on categories you choose, 2% in one everyday category, and 1% on all other purchases.
This card stands out for its flexible rewards, letting you maximize benefits based on your expenses. While other 5% cash-back cards exist, this one combines customization and no annual fee.
This article highlights the U.S. Bank Cash+ Visa Signature’s key features, including its cash-back system, unique benefits, and reward customization.
U.S. Bank Cash+ Visa Signature Overview
The U.S. Bank Cash+® Visa Signature® Card stands out for its customizable rewards. Cardholders can choose purchase categories for bonus rewards, tailoring their cash-back earnings.
Ideal for U.S. consumers, the card works well for everyday spending and larger purchases. It also provides cash-back options for expenses not covered by points or miles, adding flexibility.
This flexibility makes it a smart choice for those managing diverse financial needs. Key benefits include controlling where you earn the most rewards, making it a unique and practical solution for U.S. consumers seeking cash-back options.
Is the U.S. Bank Cash+ Visa Signature Worth It?
The U.S. Bank Cash+® Visa Signature® Card offers 5% cash back in two chosen categories for up to $2,000 per quarter ($8,000 annually). US bank cash+ visa signature card categories include department stores, fast food, and home utilities.
The card has a $0 annual fee and a 0% intro APR for 15 billing cycles, followed by a variable APR of 19.49%-29.74%.
The 5% cash back is limited to two categories, which may not suit everyone’s spending. Alternatives like the Citi Custom Cash® Card and Chase Freedom Flex℠ offer broader categories like groceries and gas.
| Pros | Cons |
|---|---|
| No annual fee makes the card affordable. | Limited 5% categories may not suit all spending habits. |
| Earn 5% cash back on two categories of your choice. | Opting into categories quarterly adds an extra step. |
| Earn 2% cash back on one category, including restaurants. | Rewards expire after 36 months, requiring regular use. |
| High $2,000 quarterly cap for 5% cash back. | Requires good credit for approval. |
| Large sign-up bonus provides upfront value. | |
| Long intro APR on purchases and balance transfers. |
Interest Rates and Fees for U.S. Bank Cash+ Visa Signature
The U.S. Bank Cash+ Visa Signature offers competitive rates and fees that cater to cardholders in the United States. Here’s a breakdown:
- Purchase APR: Variable APR ranges between 19.49% and 29.49%, depending on creditworthiness.
- Balance Transfer APR: Matches the purchase APR and includes 0% APR for 15 months on balance transfers made within 60 days of account opening.
- Cash Advance APR: A higher rate of 30.74% applies to cash advances.
- Balance Transfer Fee: Charges 3% of the transfer amount or $5, whichever is greater.
- Foreign Transaction Fee: No charges for international purchases, making it suitable for transactions outside the United States.
Cash Back Categories With U.S. Bank Cash+ Visa Signature Card
Customizing cash-back rewards is simple with the U.S. Bank Cash+ Visa Signature Card. Here's how the card's cash-back structure works:
- Select Two 5% Categories: Choose two categories each quarter to earn 5% cash back on up to $2,000 in combined purchases.
- Choose One 2% Everyday Category: Pick one category, such as gas, groceries, or dining, to earn 2% cash back.
- Quarterly Adjustments: Adjust your quarter categories to align with your spending habits.
- Unlimited 1% Cash Back: Earn 1% cash back on all other purchases with no cap.
- Wide Range of Categories: Options include streaming services, home utilities, department stores, and more, allowing you to tailor rewards to your essential expenses.
Earning Cash Back on the U.S. Bank Cash+ Visa Signature Card
The U.S. Bank Cash+ Visa Signature Credit Card offers cash-back rewards at three rates: 5%, 2%, and 1%.
5% Cash Back: Earn 5% cash back on prepaid air, hotel, and car reservations booked through the U.S. Bank Rewards Travel Center.
Select two bonus categories each quarter to earn 5% cash back on up to $2,000 in combined purchases. After reaching this limit, you’ll earn 1% cash back. Eligible categories include:
- Cellphone providers
- Department stores
- Electronics stores
- Fast food
- Furniture Stores
- Ground Transportation
- Gyms and fitness centers
- Home Utilities
- Movie theaters
- Sporting goods stores
- TV, internet, and streaming services
- Select clothing stores
Maximizing the $2,000 quarterly cap in the 5% category can result in $400 annually.
2% Cash Back
Earn unlimited 2% cash back on one additional category of your choice, such as:
- Gas stations and electric vehicle charging stations
- Grocery stores and grocery delivery
- Restaurants
1% Cash Back
Earn unlimited 1% cash back on purchases outside the chosen categories and any spending exceeding the $2,000 limit in the 5% category.
Make sure to select your bonus categories each quarter. If no selection is made, purchases default to 1% cash back.
Things to Note
The card has a 3% foreign transaction fee, which makes it better suited for domestic use within the United States. For international travel, consider a credit card that does not charge foreign transaction fees.
How to Apply for the U.S. Bank Cash+ Visa Signature Card
Applying is simple and done entirely online. Follow these steps to ensure a smooth process:
- Check Eligibility: Confirm that you meet the basic requirements, such as having a good credit score and being at least 18 years old.
- Visit the U.S. Bank Website: Access the official U.S. Bank website and locate the Cash+ Visa Signature Card application page.
- Complete the Application: Enter your details, including name, address, Social Security number, and income information.
- Submit Your Application: Review the details for accuracy and submit them for approval.
- Wait for Approval: Most decisions are made within minutes, though some applications may require further review.
Contact Details
For assistance or inquiries about the U.S. Bank Cash+ Visa Signature Card, use the following contact options:
- Customer Service Phone Number: Call 1-800-285-8585 for card-related inquiries.
- Mailing Address: U.S. Bank, P.O. Box 6351, Fargo, ND 58125-6351.
Bottom Line
The U.S. Bank Cash+ Visa Signature Card is designed for those focused on maximizing cash-back rewards.
It allows you to select bonus categories that fit your spending habits and avoids annual fees. While it doesn't cater to earning travel points or miles, it offers flexibility and value for users prioritizing cash back.
Disclaimer
This information is general and may not reflect the latest terms or rates of the U.S. Bank Cash+ Visa Signature Card. Verify all details directly with U.S. Bank to ensure accuracy before applying.
