U.S. Bank Cash+™ Visa Signature® Card review

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Advertiser Disclosure

Interest Rate: Purchases
13.99% ‐ 23.99% (Variable)
Balance Transfer
13.99% ‐ 23.99% (Variable) (0% for the first 12 months)
1% cashback
Signup Bonus
$150 after spending $500

Informr score
The U.S. Bank Cash+™ Visa Signature® Card currently has an Informr score of 8.1 out of 10. This score is based on our evaluation of 18 sources including reviews from users and the web's most trusted critics.

Am I eligible?

U.S. Bank Cash+™ Visa Signature® Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

The Wirecutter

At first blush, the U.S. Bank Cash+ rewards card has lucrative cash-back rewards rates—especially compared with similar rotating-category cards like the Chase Freedom and Discover it. And if you’re a keen rewards optimizer who doesn’t mind delayed gratification, you can spread big purchases in diffe...

- Emily Long, The Wirecutter

The U.S. Bank Cash Plus card has a lot of potential, offering 5% cash back on two categories of your choice every quarter. But to maximize the rewards you earn, you need to pay close attention to your spending habits and not miss the deadlines for activating your categories.

- Ben Luthi, Investopedia
The Points Guy

If you’re looking to earn points and miles toward free travel, this isn’t the card for you. But if you want to supplement your travel rewards with some cash back, this card can be a worthy contender. It doesn’t offer great levels of cash back on all purchases, but it does let you choose the purchase...

- Jason Steele, The Points Guy

The U.S. Bank Cash+ Visa Signature Card is great if you’re looking to maximize your cashback earnings and keep fees to a minimum.

- Sarah Li Cain, FinanceBuzz

The U.S. Bank Cash Plus is a great no annual fee card that allows you to customize your cash back categories so that you can optimize your rewards. I really like some of the 5% categories and so I think this is a great options for people who want to tailor their rewards to their spending.

- Daniel, UponArriving


Interest Rates
Regular APR Interest Rate 13.99% ‐ 23.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 13.99% ‐ 23.99% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 23.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00

Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 4%

Minimum of $10

Foreign Transaction Fee 2%

Of each transaction in U.S. dollars.


Of each transaction in a foreign currency.

Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus $150 after spending $500

On purchases within the first 3 months.

All Purchases 1% cash back

Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details
  • 2% cash back on one everyday category.
  • 5% cash back on your first $2,000 in combined eligible net purchases each quarter on two categories you choose.
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service Yes
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits

Roadside dispatch

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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