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

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
14.24% ‐ 24.24% (Variable) (0% for the first 15 months)
Interest Rate: Purchases
14.24% ‐ 24.24% (Variable) (0% for the first 15 months)
Balance Transfer
14.24% ‐ 24.24% (Variable) (0% for the first 15 months)
Balance Transfer
14.24% ‐ 24.24% (Variable) (0% for the first 15 months)
Rewards
1 - 5% cashback
Rewards
1 - 5% cashback
Signup Bonus
$200 after spending $1,000
Signup Bonus
$200 after spending $1,000


8.2/10
Informr score
The U.S. Bank Cash+™ Visa Signature® Card currently has an Informr score of 8.2 out of 10. This score is based on our evaluation of 27 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...


FinanceBuzz
FinanceBuzz

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
SuperMoney
SuperMoney

This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in...

- SuperMoney
Business Insider
Business Insider

The no-annual-fee U.S. Bank Cash+® Visa Signature® Card comes with a good welcome bonus and 5% back on up to $2,000 in combined spending in two eligible categories cardholders can choose each quarter. If these categories fit your spending habits, you can earn a significant amount of cash back with t...

- Harlan Vaughn, Business Insider
Forbes
Forbes

The U.S. Bank Cash+® Visa Signature® Card* is unlikely to be the best primary credit card in most wallets. It has a complicated earnings scheme that will take work to maximize and though it does offer 5% cash back on the first $2,000 in combined eligible purchases each quarter on two categories of c...

- Chauncey Crail, Dia Adams, Forbes
MyBankTracker
MyBankTracker

The is a natural choice for anyone who desires more control over their cash back rewards. This card packs a lot of earning potential and the lack of an annual fee just makes it that much more appealing.

- Rebecca Lake, MyBankTracker

Details


Interest Rates
Regular APR Interest Rate 14.24% ‐ 24.24% (Variable) (0% for the first 15 months)

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

Balance Transfer Interest Rate 14.24% ‐ 24.24% (Variable) (0% for the first 15 months)

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

Cash Advance Interest Rate 26.24% (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 5%

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 $41.00

Maximum

Promotions
Sign up bonus $200 after spending $1,000

On purchases within the first 120 days.

Rewards
All Purchases 1% cash back


Restaurants 2% cash back
Gas 2% cash back

On gas stations and EV charging stations

Groceries 2% cash back
Hotels 5% cash back
Travel 5% cash back
Pharmacy No
Bills No
Additional Details
  • 5% cash back on your first $2,000 in combined eligible net purchases each quarter on two categories you choose.
  • Cash back rewards will expire at the end of the calendar month 36 months after the billing cycle in which they were earned.
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

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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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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