The U.S. Bank Cash+® Visa Signature® Card is a credit card built around customizable rewards, making it a great fit for those looking to maximize cash back in their preferred spending categories. With no annual fee, up to 5% back, and added perks from the Visa Signature network, it’s an excellent option for anyone wanting real returns on everyday purchases.
By letting cardholders choose where they want to earn the most cash back, the card adapts to various spending styles, from those who prioritize streaming and dining to others who spend more on gas or household bills. Here’s a closer look at what it offers and whether it’s a good match for your lifestyle.
Key Benefits
The main appeal of the U.S. Bank Cash+ lies in its flexibility. Here are the highlights:
- No annual fee
- 5% cash back on two categories of your choice (up to $2,000 in combined purchases each quarter)
- 2% cash back on one everyday category (such as gas stations, grocery stores, or restaurants)
- 1% cash back on all other purchases
- Welcome bonus: $200 after spending $1,000 within the first 120 days
- Unlimited cash back with no expiration date
Cash back can be redeemed as a direct deposit, statement credit, or gift card, all managed easily through the U.S. Bank mobile app.
Additional Card Perks
Beyond the cash rewards, the Cash+ offers a variety of practical and exclusive benefits:
- Monthly customization of your cash back categories
- No annual fee and no cap on rewards earnings
- Access to Visa Signature Concierge, rental car insurance, and purchase protection
- Instant digital card available for immediate use after approval (via the app)
- User-friendly app for tracking spending, setting alerts, and managing rewards categories
It’s a great option for people who want flexible earnings and full control over where and how they earn rewards.
Rates and Terms
Here’s what you need to know about fees and terms:
- Annual fee: $0
- Intro APR: 0% for 15 billing cycles on purchases and balance transfers (then variable APR between 19.74% and 29.74%)
- Balance transfer fee: 3% (minimum $5)
- Cash back: Automatically applied, no need to activate extra offers or use coupons
Note: These terms may vary depending on current bank policies, your location, credit profile, and the time of application. Always double-check the most up-to-date terms before applying.
Who Should Get This Card?
The U.S. Bank Cash+ Visa Signature is perfect for people who want to customize their rewards and enjoy exclusive perks without paying an annual fee. It’s especially useful for those with predictable spending habits who can plan ahead each quarter.
While the card mainly appeals to cash back seekers, anyone who appreciates flexible quarterly rewards might find it valuable.
It’s a great pick for existing U.S. Bank customers, but it’s also open to new applicants nationwide. In terms of eligibility, a good to excellent credit score (typically 690 or higher) is usually required, but applicants with strong credit profiles have a high chance of approval.
How to Apply
If the U.S. Bank Cash+ Visa Signature sounds like a good fit, here’s how to apply:
- Visit the official U.S. Bank website and click “Apply Now” under the Cash+ Card
- Enter your personal, financial, and contact details
- Select your preferred 5% and 2% cash back categories
- Submit the form and wait for approval (often quick)
- Once approved, you can start using your digital card right away via the app
You can change your cash back categories each quarter directly through the app or online banking.
Is the U.S. Bank Cash+® Visa Signature® Card Worth It?
The U.S. Bank Cash+ Visa Signature is one of the most flexible cash back cards available. The ability to choose your 5% categories each quarter lets you align your rewards with your lifestyle, something rarely offered by no-annual-fee cards.
With a welcome bonus, full app control, Visa Signature security, and no annual cost, it’s ideal for anyone who wants straightforward, valuable rewards.
If you’re looking for a card that puts real money back in your pocket and adjusts to your spending, the Cash+ could be the right choice for you.
All information in this and other BOISLA articles is subject to change over time. Please check for updates directly with the institutions and companies mentioned. Approval is subject to the institution’s review.
REFERENCES:
Read more about credit cards in https://boisla.com/category/credit-cards/
