Cash+™ Visa Signature®

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on US Bank's secure website.
  • 5% Cash Back in two categories you choose, up to $2,000 per quarter
  • 2% Cash Back in an "everyday" category
  • 1% Cash Back on everything else
  • $100 Cash Back Signup Bonus
  • 0% Intro APR on Balance Transfers for first 12 billing cycles
  • $0 Annual fee
  • Credit Needed: Excellent
  • 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, plus you have the freedom to choose your own bonus categories!

Earn 5% Cash Back on your first $2,000 in combined net 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!

Plus get a $25 Cash+ Bonus the first time you redeem $100 or more in a single redemption!

Bonus Offer

$100 Cash Back Bonus if you spend $500 within first 90 days

Get an introductory APR rate of 0% for balances transferred within 60 days for first 12 billing cycles from the date of account opening

$25 Cash+ Bonus when you redeem $100 or more in a single redemption


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 36 months after the billing cycle in which they were earned, but there's no reason to not redeem them right away so this shouldn't be an issue!

There is a balance transfer fee of 3% or $5, whichever is greater.

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 receive a Visa Signature® card, you'll get additional benefits including Purchase Security, Warranty Manager Service, Auto Rental Collision Damage Waiver and Roadside Dispatch, Travel Accident Insurance, Lost Luggage Reimbursement, complimentary 24/7 concierge, access to exclusive events, exclusive shopping perks and more. If you don't qualify for the Signature,  you'll receive a Platinum Visa card without those benefits.

Card Details

Intro Purchase APR N/A
Intro Balance Transfer APR 0%* for 12 billing cycles for balances transferred within 60 days of account opening
Foreign Transaction Fee 2% if purchase is in USD, 3% if purchase is in foreign currency
Annual Fee $0
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
Credit Needed Excellent

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

"Most underrated cash back card. US Bank rocks, I got $125 cash back within 3 months just because of the bonuses they offer. And there's no annual fee! Nothing but great things to say." Kyrie L. of Phoenix, AZ

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