Cash+™ Visa Signature®
- 5% Cash Back in two categories you choose
- 2% Cash Back in an "everyday" category
- 1% Cash Back on everything else
- $100 Cash Back Signup Bonus
- $0 Annual fee
- View Terms
Why We Like It
The U.S. Bank Cash+™ Visa Signature® Credit Card is a flexible rewards card with no annual fee. It's an excellent cash back card as long as you stay on top of your cash back categories every quarter.
It has one of the highest cash back rates available in the market, especially considering you have the freedom to choose your own bonus categories.
Earn 5% Cash Back on your first $2,000 in purchases each quarter in two categories you choose. Categories could include: Department Stores, Travel, Electronics, Fast Food, Cell Phone, Gym, Charity, Office Supplies, Furniture, Car Rental, Cable Bundled Services.
Earn 2% Cash Back in an "everyday" category of your choice, such as Gas, Groceries, or Restaurants, plus 1% Cash Back on everything else.
Limited-Time Bonus: Get $100 Cash Back when you spend $500 within the first 90 days! This is a sign-up bonus with one of the lowest spending requirements offered by a cash back card!
$100 Cash Back Bonus if you spend $500 within first three months
We recommend you have Excellent (750+) credit before applying for this card.
You are not able to choose an "everyday" category for the 5% Cash Back rate.
You must remember to enroll in your 5% Cash Back categories every quarter or it will default to a flat 1% Cash Back rate.
Once you hit the combined $2,000 limit per quarter, all additional purchases in the 5% Cash Back categories will revert to 1% Cash Back.
Cash back rewards expire 3 years after the billing cycle in which they were earned.
Additional benefits include:
- Sign up for text alerts to remind you to choose your categories each quarter
- Global Assistance Hotline
- Auto Rental Insurance: coverage for damage due to collision or theft
- Concierge: get 24/7 help with requests like dinner reservations, travel plans, personal requests, or Broadway, music and sporting event tickets
- $0 Fraud Liability
If you don't qualify for the Visa Signature® version of this card, you'll be considered for the basic Visa Platinum Card version which earns the same cash back but may not offer Visa Signature benefits such as Extended Warranty, Purchase Protection, Return Protection, Lost Luggage Reimbursement or Roadside Assistance.
|Purchase Intro APR||N/A|
|Purchase APR||13.24% - 23.24%* variable APR based on on creditworthiness|
|Rewards Rate||Up to 5% Cash Back per dollar|
|Rewards Rate Details||Cash back is redeemed as statement credits or U.S. Bank Rewards Cards, or deposited into your U.S. Bank account|
|Foreign Transaction Fee||2% if purchase is in USD, 3% if purchase is in foreign currency|
Thoughts from Actual Users
"This is my first cash back card and love it has no fees. Perfect for all my spending each quarter and very convenient for me who already banks with US Bank. Glad I got it." Brad S of Minneapolis, MN
"Web interface is easy to use and I set up text alerts to remind me to check my categories every quarter. Very pleased at how flexible spending categories are. Perfect for me since I spend differently every quarter based on big purchases or holiday shopping or just everyday purchases." Stacey N. of Gresham, OR