U.S. Bank Cash+ Visa Signature Credit Card Review

Discover the U.S. Bank Cash+ Visa Signature Credit Card, a no-annual-fee cash back card that lets you choose your own 5% categories.

The U.S. Bank Cash+ Visa Signature Credit Card is not your typical cash back card. It’s built for people who want real control over how they earn rewards. Unlike other cards that limit you to flat percentages or fixed categories, Cash+ gives you the power to choose where you earn the most cash back. That means your rewards truly align with your lifestyle—whether that’s dining out, streaming, filling up at the gas station, or shopping online.

This card goes beyond just cash back. It combines flexibility, security, and value all in one sleek package. With no annual fee, a generous bonus offer for new cardholders, and a wide range of perks backed by Visa Signature, the U.S. Bank Cash+ Card is a tool that empowers you to get more from every purchase you make.

CREDIT CARD

U.S. Bank Cash

1% cash back on all other eligible purchases $0 Annual Fee

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Benefits of the U.S. Bank Cash+ Visa Signature Credit Card

1. Customizable 5% Cash Back Categories

One of the most exciting features is the ability to earn 5% cash back on two categories of your choice each quarter (up to $2,000 in combined eligible purchases). Whether you want to maximize cash back on utilities, cell phone bills, fast food, or streaming services, you get to decide. This flexibility ensures your rewards always fit your spending habits.

2. Unlimited 2% Cash Back in Everyday Categories

In addition to customizable 5% categories, you also earn 2% unlimited cash back on one everyday category of your choice—such as groceries, restaurants, or gas stations. This makes sure that even your routine purchases are always working hard for you.

3. 1% Cash Back on Everything Else

For all other purchases, you’ll earn 1% cash back automatically. No matter what you buy, you’ll always be rewarded, giving you consistent value on top of your chosen bonus categories.

4. New Cardmember Bonus

When you’re approved, you can take advantage of a one-time welcome bonus after meeting the initial spending requirement. This bonus jumpstarts your rewards and adds even more value right from the beginning.

5. No Annual Fee

There’s no annual fee for this card. That means every dollar of rewards you earn goes straight into your pocket, not toward maintaining the card. For budget-conscious consumers, this is a huge win.

6. Flexible Redemption Options

Redeem your rewards in the way that works best for you—statement credits, direct deposits into a U.S. Bank checking or savings account, or even as gift cards. This flexibility makes it easy to put your cash back to good use.

7. Wide Selection of 5% Categories

The card offers a wide variety of categories you can choose from each quarter. Options include home utilities, department stores, fast food, TV and streaming services, cell phone providers, gyms, electronics stores, and more. This breadth ensures that nearly any lifestyle can maximize rewards.

8. Visa Signature Benefits

As a Visa Signature card, it comes with premium perks such as 24/7 concierge service, travel and emergency assistance, extended warranty protection, purchase security, and access to exclusive events. These benefits add an extra layer of value beyond just cash back.

9. Contactless Payment Convenience

Tap-to-pay functionality means you can check out quickly and securely without swiping or inserting your card. Contactless payments are not only safer but also more convenient for everyday use.

10. Security You Can Trust

U.S. Bank provides zero fraud liability, real-time alerts, and strong digital account protection. You can shop online and in stores with peace of mind, knowing you’re covered against unauthorized transactions.

11. Introductory APR Offers

Depending on promotions, the card often comes with a low or 0% introductory APR on purchases and balance transfers for the first several months. This is perfect if you’re planning a large purchase or want to consolidate debt.

Who Can Apply?

To qualify for the U.S. Bank Cash+ Visa Signature Credit Card, applicants must:

• Be at least 18 years old (or 21 in some states if applying independently).
  
• Be a U.S. citizen or permanent resident with a valid Social Security number.
  
• Provide proof of income that demonstrates the ability to manage credit.
  
• Have a good to excellent credit score (typically 670+).
  
• Present a valid U.S. address for billing and account management.
  
• Submit a completed credit application, either online or in branch.
  

How to Apply

1. Visit the official U.S. Bank website.
   
2. Navigate to the Cash+ Visa Signature Credit Card page.
   
3. Click “Apply Now.”
   
4. Fill out the online application form with your personal, employment, and financial information.
   
5. Provide your Social Security number and proof of income.
   
6. Review the terms and conditions carefully.
   
7. Submit your application for approval.
   
8. Most applicants receive an instant decision; some may require additional review.
   
9. Once approved, your card will arrive by mail within 7–10 business days.
   
10. Activate your card online, by phone, or through the U.S. Bank mobile app.
    

Frequently Asked Questions (FAQ)

1. What is the annual fee?
There is no annual fee for the U.S. Bank Cash+ Visa Signature Card.

2. How does the 5% cash back work?
Each quarter, you select two categories where you’ll earn 5% cash back on the first $2,000 in combined purchases.

3. What happens if I don’t choose my categories?
If you don’t choose, U.S. Bank will assign default categories, but it’s always better to select the ones that fit your lifestyle.

4. Can I change my 2% category?
Yes, you can choose one 2% category (gas, groceries, or restaurants) and change it whenever the issuer allows.

5. Do my rewards expire?
As long as your account is open and in good standing, your cash back rewards do not expire.

6. How can I redeem my rewards?
You can redeem them as statement credits, direct deposits, or gift cards.

CREDIT CARD

U.S. Bank Cash

1% cash back on all other eligible purchases $0 Annual Fee

APPLY NOW You will be redirected