U.S. Bank Cash+ Visa Signature Card review

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Advertiser Disclosure

Interest Rate: Purchases
16.24% ‐ 25.24%
Balance Transfer
16.24% ‐ 25.24% (0% for the first 12 months)
Rewards
1% cashback
Signup Bonus
$150 after spending $500


7.9/10
Informr score
The U.S. Bank Cash+ Visa Signature Card currently has an Informr score of 7.9 out of 10. This score is based on our evaluation of 11 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...


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
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 expir...

- Danny Nguyen, Hustler MoneyBlog
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
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 hi...

- Brian Martucci, Money Crashers
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 categorie...

- Robert Harrow, ValuePenguin

Details


Interest Rates
Regular APR Interest Rate 16.24% ‐ 25.24%

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

Balance Transfer Interest Rate 16.24% ‐ 25.24% (0% for the first 12 months)

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

Cash Advance Interest Rate 26.24%

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 $38.00

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

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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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Critic Reviews


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

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

CreditCards.com

Customizable cash back, good promotion

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

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

Wise Bread

A simple cash back rewards credit card

from Wise Bread

The U.S. Bank Cash+ Visa is best for those who are diligent in choosing and selecting the bonus categories every three months, along with those who are good at planning their purchases out in advance in order to reap the most rewards.

Read full review

The U.S. Bank Cash+ Visa is best for those who are diligent in choosing and selecting the bonus categories every three months, along with those who are good at planning their purchases out in advance in order to reap the most rewards.

Read full review

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Bank Deal Guy

Earn 5.5% cash back in quarterly selected categories of your choice

from Bank Deal Guy

If you like the idea of being able to choose your own rewards while also easily racking up some cash credit, this card would be a great fit for you.

Read full review

If you like the idea of being able to choose your own rewards while also easily racking up some cash credit, this card would be a great fit for you.

Read full review

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Bankrate

This card puts you in control of your rewards

from Bankrate

Want maximum rewards and major flexibility in how to earn them? The U.S. Bank Cash+ Visa Signature Card could make your cash-back credit card desires come true. No other personal card that offers rotating bonus categories lets you cherry-pick which ones you want. This card in theory insures you...More

Want maximum rewards and major flexibility in how to earn them? The U.S. Bank Cash+ Visa Signature Card could make your cash-back credit card desires come true. No other personal card that offers rotating bonus categories lets you cherry-pick which ones you want. This card in theory insures you aren’t stuck with categories that don’t fit your spending patterns.

Read full review

Less

HighYa

One of the better cash-rewards cards you can find

from HighYa

The Cash+ Visa Signature is a great fit for those who want options for what earns them 5% and 2% cash back who won’t use the card for foreign transactions.

Read full review

The Cash+ Visa Signature is a great fit for those who want options for what earns them 5% and 2% cash back who won’t use the card for foreign transactions.

Read full review

Less

User Reviews


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