Cash+® Visa Signature®

Olena
By Olena | May 16, 2025 at 5:53 PM EST

The Bottom Line

4.3
BIG4CREDIT RANKING Our 5-star rating is based on Big4credit’s independent, data-driven scoring system. Each card is evaluated across multiple weighted categories – including rewards, fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections. Ratings are determined solely by our research and analysis and are never influenced by card issuers or advertisers. Read about our ranking system in the Credit Card Ranking & Methodology section.
The U.S. Bank Cash+® Visa Signature® Card is a flexible cashback card that puts you in control of your rewards. Each quarter, you can earn 5% cashback on two categories you choose, like fast food, home utilities, or streaming services, on up to $2,000 in combined purchases. You also get 2% back on one everyday category you pick, such as grocery stores, restaurants, or gas and EV charging stations, and 1% on everything else. There’s no annual fee, and new cardholders get a $200 bonus after spending $1,000 in the first 90 days, plus an intro 0% APR on purchases and balance transfers for 15 months. This card is a great fit for people who want to earn more where they spend most and like having the flexibility to choose their top categories.
Cash+® Visa Signature®
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Cash+® Visa Signature®
Annual fee:   $0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

17.74% - 27.99% Variable APR

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on the first $2,000 in combined purchases each quarter in two categories you choose. Activation is required each quarter by the stated deadline. Earn 5% cashback on prepaid airfare, hotels, and car rentals booked through the Rewards Center with your card. Earn 2% cashback each quarter on one everyday category you choose, such as gas stations and EV charging stations, grocery stores, or restaurants. Activation is required each quarter by the stated deadline. Plus, earn 1% cashback on all other purchases.

1% - 5% Cashback

Welcome Offer Earn a $200 cash rewards bonus after spending $1,000 in the first three months.

$200

Welcome Offer

Earn a $200 cash rewards bonus after spending $1,000 in the first three months.

Rewards

  • 5% Cashback on Two Quarterly Categories: Earn 5% cashback on the first $2,000 in combined purchases each quarter in two categories you choose. Activation is required each quarter by the stated deadline.
  • 5% Cashback on Prepaid Travel: Earn 5% cashback on prepaid airfare, hotels, and car rentals booked through the Rewards Center with your card.
  • 2% Cashback on One Everyday Category: Earn 2% cashback each quarter on one everyday category you choose, such as gas stations and EV charging stations, grocery stores, or restaurants.
  • 1% Cashback on All Other Purchases.

Redemption Options

  • Flexible Redemption Options: Redeem rewards for cash, gift cards, purchases at Amazon.com, PayPal checkout, and more.
  • Real-Time Rewards: Instantly redeem your rewards at the point of purchase, turning everyday spending into immediate savings.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 15 months from account opening. To qualify for Intro APR on balance transfer, you must make balance transfer within the first 60 days.
  • Regular APR: After the introductory period, a variable APR of 17.74% - 27.99% applies to purchases and balance transfers.
  • Balance Transfer Fees: $5 or 3% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Exclusive Offers

  • Shopping Deals: Earn extra cashback when you shop online at 1,100+ stores through the Rewards Center using your U.S. Bank Cash+® Visa Signature credit card.

Travel Benefits

  • Visa Signature® Car Rental Privileges: Get up to 25% off base rates at Avis and Budget when you book with your Visa Signature® card. Enjoy perks like complimentary upgrades (when available), waived additional driver fees, and 10% off XM Satellite Radio during your rental.
  • Visa Signature® Luxury Hotel Collection: Enjoy premium benefits when booking through the Visa Signature Luxury Hotel Collection with your Premium Rewards® card.
  • Other Travel Benefits: Includes Roadside Assistance and Travel and Emergency Assistance Services.

Additional Features

  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Zero liability protection, fraud protection, automatic account alerts, compatibility with digital wallets, free access to Credit Score, and Visa Signature® concierge service.

Terms and Conditions

Click Apply Now to see the terms and conditions.

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