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

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
18.24% ‐ 28.24% (Variable) (0% for the first 15 months)
Interest Rate: Purchases
18.24% ‐ 28.24% (Variable) (0% for the first 15 months)
Balance Transfer
18.24% ‐ 28.24% (Variable) (0% for the first 15 months)
Balance Transfer
18.24% ‐ 28.24% (Variable) (0% for the first 15 months)
1% cashback
1% cashback
Signup Bonus
$200 after spending $1,000
Signup Bonus
$200 after spending $1,000

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 24 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 Cash+ Visa Signature is a nice choice if you spend a lot each month on the card’s set of spending categories. But if you spend too much in those 5 percent categories (over $2,000 every three months), you might blow past the spending limit each quarter. If you’re worried about spending too much,...

- Dan Rafter, Bankrate

A cash-back rewards card can be a valuable tool in your wallet. With this card, it’s important to pay off your balance before the 0% APR introductory period ends and then regularly pay off your balance before interest charges apply each month. Also, keep in mind that 5% cash-back categories must be...

- Cynthia Measom, GOBankingRates

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

One of the most difficult parts of maximizing your credit card rewards is taking advantage of bonus categories. Many cards offer a low general rewards rate, but a much higher one in specific categories, like dining or groceries. The U.S. Bank Cash+™ Visa Signature® Card makes it easy by letting you...

- Cardcruncher

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


Interest Rates
Regular APR Interest Rate 18.24% ‐ 28.24% (Variable) (0% for the first 15 months)

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

Balance Transfer Interest Rate 18.24% ‐ 28.24% (Variable) (0% for the first 15 months)

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

Cash Advance Interest Rate 29.74% (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.


Of each transaction in a foreign currency.

Over Limit Fee $0.00
Late Payment Fee $41.00


Sign up bonus $200 after spending $1,000

On purchases within the first 120 days.

All Purchases 1% cash back

Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
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 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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