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

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

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Advertiser Disclosure
Annual Fee
$0.00
Interest Rate: Purchases
19.74% ‐ 29.74% (Variable) (0% for the first 15 months)
Interest Rate: Purchases
19.74% ‐ 29.74% (Variable) (0% for the first 15 months)
Balance Transfer
19.74% ‐ 29.74% (Variable) (0% for the first 15 months)
Balance Transfer
19.74% ‐ 29.74% (Variable) (0% for the first 15 months)
Rewards
1% cashback
Rewards
1% cashback
Signup Bonus
$200 after spending $1,000
Signup Bonus
$200 after spending $1,000
8.3/10
Informr score
The U.S. Bank Cash+™ Visa Signature® Card currently has an Informr score of 8.3 out of 10. This score is based on our evaluation of 25 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:
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...

NerdWallet
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.

- Melissa Lambarena, NerdWallet
Forbes
Forbes

The U.S. Bank Cash+® Visa Signature® Card is not likely to be the best primary or only credit card in someone’s wallet. While it can be a good additional card, it is not easy to maximize earning rewards and will require selecting the appropriate categories and keeping track of spending. Most people...

- Kelly-Ann Franklin, Forbes
The Ascent
The Ascent

The high cash back rate, big welcome offer, and flexibility to choose what purchases earn bonus cash back make this a compelling offer -- as long as the bonus categories work for you.

- Lyle Daly, The Ascent
Bankrate
Bankrate

You can earn a decent amount of cash back on everyday purchases and earn lots of bonus rewards without paying an annual fee with this card. Although you need to choose your two highest-earning categories each quarter to maximize rewards, you have plenty of options.

- Brendan Dyer, Bankrate
The Points Guy
The Points Guy

If you want 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 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 purchases on which...

- Ryan Smith, The Points Guy
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Details

Interest Rates
Regular APR Interest Rate 19.74% ‐ 29.74% (Variable) (0% for the first 15 months)

This APR will vary with the market based on the Prime Rate.
Balance Transfer Interest Rate 19.74% ‐ 29.74% (Variable) (0% for the first 15 months)

This APR will vary with the market based on the Prime Rate.
Cash Advance Interest Rate 29.99% (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 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
Gas
Groceries
Hotels
Travel
Pharmacy
Bills
Additional Details
  • 5% cash back on two categories you choose (On your first $2,000 in combined eligible net purchases each quarter)
    • Furniture stores
    • Electronic stores
    • Department stores
    • Select clothing stores
    • Sporting goods stores
    • Home utilities
    • Cell phone providers
    • Gyms/fitness centers
    • Ground transportation
    • Movie theaters
    • Fast food
    • TV, internet and streaming
  • 2% cash back on one everyday category
    • Grocery stores and grocery delivery
    • Restaurants
    • Gas stations and EV charging stations
Features & Benefits
Additional Card Holders
Travel Accident Insurance
Car Rental Insurance
Car Rental Discount
Extended Warranty
Purchase Protection
Zero Liability
No Foreign Transaction Fees
Emergency Assistance
Concierge Service
Price Protection
Fraud Protection
Free Credit Scores
Wireless Payments
Virtual Cards
Additional Benefits

Roadside dispatch
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents
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Additional comments -
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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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