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

U.S. Bank Cash+<sup>®</sup> Visa Signature<sup>®</sup> Card

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

Rewards Rate
5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose. 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants. 1% cash back on all other eligible purchases.
Sign-Up Bonus
$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening
Intro APR
0% intro APR on purchases for the first 15 billing cycles , then 18.24% - 28.24% (Variable) and 0% Intro APR on balance transfers for the first 15 billing cycles, then 18.24% - 28.24% (Variable)
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the U.S. Bank Cash+® Visa Signature® Card best for?

If you’re in the market for a cash back credit card that offers a generous rewards rate in everyday spending categories — like home utilities and streaming services — as well as a promotional interest-free period, the U.S. Bank Cash+® Visa Signature® Card should be on your radar.

U.S. Bank Cash+® Visa Signature® Card holders earn 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose. 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants. 1% cash back on all other eligible purchases. The $0 annual fee card also comes with an intro APR on purchases and balance transfers for more than a year.

We highlight the pros and cons of the U.S. Bank Cash+® Visa Signature® Card to help you determine if it’s the right fit for you.

U.S. Bank Cash+® Visa Signature® Card overview

    • $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
    • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.
    • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center.
    • 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants.
    • 1% cash back on all other eligible purchases.
    • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 18.24% - 28.24%
    • No Annual Fee.
    • Terms and conditions apply.
  • Credit needed:
    700 850
    Excellent/Good
  • Zero fraud liability
  • Contactless pay technology
  • Flexible redemption options

Intro Purchase APR

0% intro APR on purchases for the first 15 billing cycles

Regular Purchase APR

18.24% - 28.24% (Variable)

Intro BT APR

0% Intro APR on balance transfers for the first 15 billing cycles

Regular BT APR

18.24% - 28.24% (Variable)

Annual Fee

$0

Cash Advance Fee

See Terms*

Foreign Transaction Fee

2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency

Balance Transfer Fee

Either 3% of the amount of each transfer or $5 minimum, whichever is greater

Pros and cons

Pros

  • Cash back rewards
  • Sign-up bonus
  • Intro APR offers
  • $0 annual fee

Cons

  • Cap on the higher earning rate
  • Balance transfer fee
  • Foreign transaction fees

What we like about the U.S. Bank Cash+® Visa Signature® Card

  • Cash back rewards

    With the U.S. Bank Cash+® Visa Signature® Card, cardholders earn 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose. 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants. 1% cash back on all other eligible purchases. Cardholders must select their categories and enroll every quarter to earn that higher rewards rate.

    The 5% cash back categories include the following: fast food; TV, internet and streaming services; cellphone providers; home utilities; department stores; electronic stores; sporting goods stores; movie theaters; gyms and fitness centers; furniture stores; ground transportation and select clothing stores.

    For the 2% category, you can choose one of the following categories: grocery stores, gas stations and EV charging stations or restaurants. And there is no spending cap on the 2% earning categories.

    Plus, cardmembers can also earn 5% cash back for every $1 in eligible net purchases spent on prepaid air, car and hotel reservations made in the Rewards Travel Center using your card.

  • Sign-up bonus

    U.S. Bank Cash+® Visa Signature® Card holders also receive $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening

    Cash back can be redeemed in the form of a statement credit or deposited into your U.S. Bank savings, checking or money market account. Just know, your rewards will expire at the end of the calendar month 36 months after the billing cycle in which they were earned.

  • Intro APR offers

    If you need to finance a large purchase or transfer high-interest credit card debt, you can do so without incurring interest charges for more than a year with the U.S. Bank Cash+® Visa Signature® Card.

    The card offers 0% intro APR on purchases for the first 15 billing cycles on purchases. After that, a 18.24% - 28.24% (variable) APR applies.

    Additionally, receive a 0% Intro APR on balance transfers for the first 15 billing cycles on balance transfers, then a 18.24% - 28.24% (variable) APR.

  • Annual fee

    The U.S. Bank Cash+® Visa Signature® Card charges a $0 annual fee.

What to watch out for with the U.S. Bank Cash+® Visa Signature® Card

  • Cap on the higher earning rate

    With the U.S. Bank Cash+® Visa Signature® Card, you can only earn the highest cash back rate on the two categories of your choice on the first $2,000 in combined purchases each quarter.

    Also know, you must select which two categories will earn the 5% rate each calendar quarter. Otherwise, those categories will only earn 1% cash back.

  • Balance transfer fee

    If you transfer a balance to the U.S. Bank Cash+® Visa Signature® Card, you will be subject to a balance transfer fee of Either 3% of the amount of each transfer or $5 minimum, whichever is greater of the amount of each transfer.

    For example, if you transfer $10,000, you will be charged $300 in balance transfer fees.

  • Foreign transaction fees

    If you use your U.S. Bank Cash+® Visa Signature® Card to make purchases outside of the U.S., you will be subject to foreign transaction fees of 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency

Alternate cash back card

Compare it to the Chase Freedom Flex℠

| Disclosures
Chase Freedom Flex℠
Chase Freedom Flex℠
on Chase's secure site
0% Intro APR on Purchases for 15 months
17.99% - 26.74% Variable
$0
5% cash back on up to $1,500 in combined purchases in bonus
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% - 26.74%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

 

If you want to the opportunity to earn a cash back sign-up bonus with a much lower spend requirement, as well as an elevated cash back rate in popular categories that rotate each quarter, like gas station and Amazon.com purchases, the Chase Freedom Flex℠ card is a good alternative.

Cardholders earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening! Also earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

Check out the bonus categories so far for 2022: Chase 5% cash back calendar.

If you max out the Chase Freedom Flex℠ card’s spending cap on rotating categories each quarter, you can earn $300 cash back on those purchases alone at the end of the year. Still, that’s slightly less than what you can earn in a year from the U.S. Bank Cash+® Visa Signature® Card ‘s choice categories.

Similar to the U.S. Bank Cash+® Visa Signature® Card, the Chase Freedom Flex℠ charges a $0 annual fee and offers a 0% Intro APR on Purchases for 15 months, then a 17.99% - 26.74% Variable APR. The card also offers a 0% Intro APR on Balance Transfers for 15 months, then a 17.99% - 26.74% Variable APR.

Where the Chase Freedom Flex℠ stands apart is by offering more robust benefits than the U.S. Bank Cash+® Visa Signature® Card, including purchase protection, extended warranty protection, trip cancellation and interruption insurance, cellphone protection, auto rental collision damage waiver and more.

Additionally, unlike with the U.S. Bank Cash+® Visa Signature® Card, Chase Freedom Flex℠ rewards do not expire as long as your account remains open.

Compare the U.S. Bank Cash+® Visa Signature® Card to similar cards

Comparison of four different credit cards
U.S. Bank Cash+<sup>®</sup> Visa Signature<sup>®</sup> Card Chase Freedom Flex℠ Chase Freedom Unlimited<sup>®</sup> Discover it<sup>®</sup> Cash Back
U.S. Bank Cash+® Visa Signature® Card Chase Freedom Flex℠ Chase Freedom Unlimited® Discover it® Cash Back
Apply Now
on U.S. Bank's secure site
Apply Now
on Chase's secure site
Apply Now
on Chase's secure site
Apply Now
on Discover's secure site
Welcome Offer
$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening! Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases. Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Rewards Rate
5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose. 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants. 1% cash back on all other eligible purchases. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically
Annual Fee
$0 $0 $0 $0
Intro Purchase APR
0% intro APR on purchases for the first 15 billing cycles 0% Intro APR on Purchases for 15 months 0% Intro APR on Purchases for 15 months 0% Intro APR for 15 months
Regular APR
18.24% - 28.24% (Variable) 17.99% - 26.74% Variable 17.99% - 26.74% Variable 14.99% - 25.99% Variable APR
Intro Balance Transfer APR
0% Intro APR on balance transfers for the first 15 billing cycles 0% Intro APR on Balance Transfers for 15 months 0% Intro APR on Balance Transfers for 15 months 0% Intro APR for 15 months
Regular Balance Transfer APR
18.24% - 28.24% (Variable) 17.99% - 26.74% Variable 17.99% - 26.74% Variable 14.99% - 25.99% Variable APR
Balance Transfer Fee
Either 3% of the amount of each transfer or $5 minimum, whichever is greater Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater. Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater. 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Recommended Credit
Excellent/Good Excellent/Good Excellent/Good Excellent/Good
Card Details
U.S. Bank Cash+® Visa Signature® Card Chase Freedom Flex℠ Chase Freedom Unlimited® Discover it® Cash Back

Is the U.S. Bank Cash+® Visa Signature® Card right for you?

If you’re looking for a well-rounded credit card with a generous cash back rate in popular spending categories, a $0 annual fee and intro APR offers on purchases and balance transfers, the U.S. Bank Cash+® Visa Signature® Card is a solid option.

But if you prefer a card that offers cash back in categories that rotate each quarter, as well as one that offers more travel and purchase protections, the Chase Freedom Flex℠ may be a better fit.