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

Compare Compare  
Advertiser Disclosure

Interest Rate: Purchases
15.49% ‐ 24.99% (Variable)
Balance Transfer
15.49% ‐ 24.99% (Variable) (0% for the first 12 months)
Rewards
1% cashback
Signup Bonus
$150 after spending $500


8.1/10
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 15 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

The Cash+ has a more generous rewards structure than many other rotating-category cards—if your regular spending fits neatly into the bonus categories and you’re willing to be hands-on. But even though cash back may seem like (and often is) the simplest way to accrue rewards on your spending, the Ca...

- Emily Long, The Wirecutter
UponArriving

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
Cardcruncher

The U.S. Bank Cash+™ Visa Signature® Card lets you choose your own bonus categories, an uncommon feature for rewards cards. You choose two categories, such clothing stores and cell phone providers, that pay 5% cash back. You can also choose one category that pays 2% cash back. Every other purchase o...

- Cardcruncher
CreditCards.com

For cardholders who don’t mind a hands-on approach to earning card rewards, the U.S. Bank Cash+ offers more choice and flexibility than most of its competitors as well as a decent amount of cash back on everyday purchases.

- Kelly Dilworth, CreditCards.com
LendEDU

The U.S. Bank Cash+ Visa Signature Credit Card offers one of the best cash back rewards programs of any card, especially because you can choose your bonus categories each quarter.

- Christy Rakoczy, LendEDU

Details


Interest Rates
Regular APR Interest Rate 15.49% ‐ 24.99% (Variable)

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

Balance Transfer Interest Rate 15.49% ‐ 24.99% (Variable) (0% for the first 12 months)

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

Cash Advance Interest Rate 25.49% (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.


3%

Of each transaction in a foreign currency.

Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus $150 after spending $500

On purchases within the first 3 months.

Rewards
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
Additional Benefits

Roadside dispatch

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

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.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with U.S. Bank Cash+™ Visa Signature® Card

Rate It:

Critic Reviews


The Wirecutter

Generous rewards in rotating categories

from The Wirecutter

The Cash+ has a more generous rewards structure than many other rotating-category cards—if your regular spending fits neatly into the bonus categories and you’re willing to be hands-on. But even though cash back may seem like (and often is) the simplest way to accrue rewards on your spending...More

The Cash+ has a more generous rewards structure than many other rotating-category cards—if your regular spending fits neatly into the bonus categories and you’re willing to be hands-on. But even though cash back may seem like (and often is) the simplest way to accrue rewards on your spending, the Cash+ card’s complex rewards structure could leave you frustrated—and missing out on a lot of money—if you don’t actively work to maximize your earnings.

Read full review

Less

UponArriving

A great cash back credit card

from UponArriving

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.

Read full review

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.

Read full review

Less

Cardcruncher

Lets you choose your own bonus categories

The U.S. Bank Cash+™ Visa Signature® Card lets you choose your own bonus categories, an uncommon feature for rewards cards. You choose two categories, such clothing stores and cell phone providers, that pay 5% cash back. You can also choose one category that pays 2% cash back. Every other purc...More

The U.S. Bank Cash+™ Visa Signature® Card lets you choose your own bonus categories, an uncommon feature for rewards cards. You choose two categories, such clothing stores and cell phone providers, that pay 5% cash back. You can also choose one category that pays 2% cash back. Every other purchase on the card will pay 1% cash back. That lets you earn more, even if you're not taking advantage of  bonus categories.

Read full review

Less

CreditCards.com

Unique rewards rate designed to shift as you spend

from CreditCards.com

For cardholders who don’t mind a hands-on approach to earning card rewards, the U.S. Bank Cash+ offers more choice and flexibility than most of its competitors as well as a decent amount of cash back on everyday purchases.

Read full review

For cardholders who don’t mind a hands-on approach to earning card rewards, the U.S. Bank Cash+ offers more choice and flexibility than most of its competitors as well as a decent amount of cash back on everyday purchases.

Read full review

Less

LendEDU

A reasonable choice for a cash back credit card

from LendEDU

The U.S. Bank Cash+ Visa Signature Credit Card offers one of the best cash back rewards programs of any card, especially because you can choose your bonus categories each quarter.

Read full review

The U.S. Bank Cash+ Visa Signature Credit Card offers one of the best cash back rewards programs of any card, especially because you can choose your bonus categories each quarter.

Read full review

Less

NerdWallet

High rewards rate, no annual fee

from NerdWallet

This card is a good match for avid rewards optimizers — those who juggle cards strategically to get the best return for every dollar. It works fine as an everyday card, but keep in mind that it requires some work on your part.

Read full review

This card is a good match for avid rewards optimizers — those who juggle cards strategically to get the best return for every dollar. It works fine as an everyday card, but keep in mind that it requires some work on your part.

Read full review

Less

Hustler MoneyBlog

Enticing perks, flexible rewards

from Hustler MoneyBlog

With the U.S. Bank Cash Plus Card, you’ll definitely be able to better maximize your cash back rewards due to the flexibility of being able to choose your categories each quarter. One of the downsides of this card is that there is a foreign transaction fee in addition to your cash back rewards...More

With the U.S. Bank Cash Plus Card, you’ll definitely be able to better maximize your cash back rewards due to the flexibility of being able to choose your categories each quarter. One of the downsides of this card is that there is a foreign transaction fee in addition to your cash back rewards expiring after 36 months. However, overall, this card has its advantages with a solid bonus, no annual fee, and the flexibility of choosing your own cash back categories.

Read full review

Less

Money Crashers

Great service and value-added perks

from Money Crashers

An ideal everyday credit card for consumers who concentrate their spending in a few choice categories. Thanks to the year-long 0% APR balance transfer promotion, it’s also a strong choice for balance transfer candidates – ideally those who wish to earn ongoing rewards once they’ve addressed their high-interest debts.

Read full review

An ideal everyday credit card for consumers who concentrate their spending in a few choice categories. Thanks to the year-long 0% APR balance transfer promotion, it’s also a strong choice for balance transfer candidates – ideally those who wish to earn ongoing rewards once they’ve addressed their high-interest debts.

Read full review

Less

ValuePenguin

One of the most flexible and highly rewarding cash back credit cards available

from ValuePenguin

In the long-term, the U.S. Bank Cash+ credit card can produce significant savings for consumers, as long as they already spend money on the 5% and 2% cash back categories offered by this card. The high rewards rate coupled with the added flexibility of being able to choose your own rewards categories, makes this a great card.

Read full review

In the long-term, the U.S. Bank Cash+ credit card can produce significant savings for consumers, as long as they already spend money on the 5% and 2% cash back categories offered by this card. The high rewards rate coupled with the added flexibility of being able to choose your own rewards categories, makes this a great card.

Read full review

Less

Credit Fast

Good rewards card and it is worth considering

from Credit Fast

Great for people who like flexibility. It’s a solid rewards card with several perks for cardholders to enjoy. However, it also has restrictions that can cost you if you travel like the foreign transaction fee.

Read full review

Great for people who like flexibility. It’s a solid rewards card with several perks for cardholders to enjoy. However, it also has restrictions that can cost you if you travel like the foreign transaction fee.

Read full review

Less

User Reviews


Darn, there are no reviews yet for this credit card. Be the first to write a review.