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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
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U.S. Bank Cash+® Visa Signature® Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
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$200
$0
0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.74% - 29.74% (Variable).
Good to Excellent (670-850)
U.S. Bank Cash+® Visa Signature® Card
This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4
The U.S. Bank Cash+® Visa Signature® Card is a great card for those looking to maximize their cash-back rewards by earning up to 5% back from a variety of expense categories.
The cardholder gets to choose 2 categories every quarter. It’s also the best cash-back card to use for utility bills, a tricky expense to get solid rewards back for.
Card Snapshot
Welcome Bonus & Info
$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 19.74 – 29.74%
5% cash-back across a large range of expense categories (you choose 2 categories every quarter), including utility bills (a rare perk for a credit card), home utilities, cell phone providers, fast food, TV, internet and streaming services, gym/fitness centers, and more
5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Center
2% cash-back on 1 everyday category, including grocery stores, restaurants, and gas stations
1% cash-back on all other purchases
0% Intro APR on purchases and balance transfers for the first 15 billing cycles; after that, a variable APR currently19.49 – 29.49%
No annual fee
Cons
Your 5% cash-back rewards on the top 2 categories of your choosing are limited to $2,000 in combined eligible purchases each quarter
Cash-back for travel expenses must be made through the Rewards Center
You’re looking for a cash-back rewards card that you can tailor to your spending habits
You want a card without an annual fee
Don’t Get If
You want a card that earns broad travel rewards
The 5% cash-back bonus categories don’t fit your spending habits
U.S. Bank Cash+ Signature Card — Is It Worth It?
The U.S. Bank Cash+ Signature card is well worth it for anyone who is looking for a strong cash-back rewards card that can be tailored exactly to the purchases you spend the most on.
Consider that you’ll earn 5% cash-back on up to $2,000 in spend per quarter on the 2 categories of your choosing. Pick from categories including home utilities, cell phone providers, TV, internet and streaming services, and more. Thanks to these bonus categories, this is one of the best credit cards for monthly bills and expenses.
Those who choose wisely and meet the $2,000 quarterly threshold can earn $100 of cash-back each quarter, or $400 every year. That is some pretty stellar cash-back earnings from a no-annual-fee card!
The cash-back rewards don’t stop there, though. You’ll also receive 5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Center, and 2% cash-back on everyday categories such as grocery stores, restaurants, or gas stations.
Put simply, the U.S. Bank Cash+ Signature card is an excellent option for those who know where their money goes each month and are looking for a way to maximize their cash-back rewards on these expenses.
U.S. Bank Cash+ Signature Card Top Benefits
Introductory APR
The card offers an introductory APR offer, which can be helpful to some.
If you’re interested in spreading out a large purchase, or several purchases, the card offers a 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.74 - 29.74% variable
This will allow you to split up a large purchase over the intro period, without being billed for any interest during those months.
Rewards Center Earn Mall
The Rewards Center Earn Mall is U.S. Bank’s shopping portal that allows you to earn even more cash-back rewards at over 1,100 online stores.
If you’re someone that does a fair bit of online shopping, then this card benefit could be quite lucrative for you. Even more so when you consider that some of the card’s 5% cash-back categories include furniture stores, electronic stores, department stores, select clothing stores, and sporting goods stores.
Best Ways To Earn and Redeem Your Cash-back
To earn as much cash-back with your card as possible, you’ll obviously want to make sure you’re using it for every purchase you can, since you’ll earn 1% to 5% cash-back depending on the category.
Speaking of categories, you’ll also want to make sure that you choose your 5% bonus categories and 2% category wisely, as doing so will allow you to earn significantly more cash-back.
When it comes to redeeming your cash-back, U.S. Bank allows you to do so as a statement credit, a rewards card, or directly deposited into your U.S. Bank checking or savings account. The only downside here is that you must have at least $25 worth of cash-back rewards before you can make a redemption.
Alternative Cards to the U.S. Bank Cash+ Signature Card
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.
The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
No annual fee
Excellent cell phone insurance
Ability to pool points
Mastercard World Elite benefits
Cons
3% foreign transaction fees in U.S. dollars
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 20.49%-29.24%.
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.
Member FDIC
Financial Snapshot
APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
One of our favorite no-annual-fee cash-back credit cards is the Freedom Flex card thanks to its 5% cash-back rewards on rotating quarterly bonus categories like gas and groceries on up to $1,500 in spend.
Plus, it also offers 5% cash-back on travel purchases made through Chase Travel, 3% back on dining and drugstore purchases, and 1% back on all other purchases.
Bank of America® Customized Cash Rewards Credit Card
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Bank of America Customized Cash Rewards card allows you to maximize your cash-back in your choice category each month.
The Bank of America Customized Cash Rewards card allows you to maximize your cash-back in your choice category each month.
Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
$200
$0
0% Intro APR for 15 billing cycles for purchases and balance transfers. Variable rate of 18.24% - 28.24% applies thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
If you’re looking to the rake in the cash-back rewards, then the Bank of America® Customized Cash Rewards Credit Card is a great option. Not only do you get to choose the 3% category for the card, but you can also boost the cash-back you earn by being a member of the Bank of America Preferred Rewards program.
Pros
3% cash-back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (your category can be changed each month)
2% cash-back at grocery stores and wholesale clubs
1% cash-back on all other purchases
No annual fee
Boost your rewards rate with the Bank of America Preferred Rewards program
Cons
3% and 2% cash-back categories are limited to the first $2,500 in combined purchases each quarter, then you’ll earn 1%
Charges a foreign transaction fee
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined quarterly purchases) and unlimited 1% on all other purchases.
If you’re a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
No annual fee and no expiration on rewards.
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24%-28.24% Variable APR will apply. A 3% fee applies to all balance transfers in the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.
Contactless Cards – The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Financial Snapshot
APR: 0% Intro APR for 15 billing cycles for purchases and balance transfers. Variable rate of 18.24% - 28.24% applies thereafter.
Another card that allows you to choose your own top rewards category is the Bank of America Customized Cash Rewards card. It offers 3% cash-back on either gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. Your category can be changed each month to suit any upcoming purchases. Further, it earns 2% cash-back at grocery stores and wholesale clubs and 1% cash-back on all other purchases with no annual fee.
The information regarding the U.S. Bank Cash+® Visa Signature® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Bank of America® Customized Cash Rewards credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Frequently Asked Questions
What credit score do I need for the U.S. Bank Cash+ Signature card?
There isn’t a set credit score that will guarantee your approval for the U.S. Bank Cash+ Signature card. Further, credit issuers take additional factors beyond your credit score into consideration when making application decisions, such as your years of credit history and income.
That said, if your credit score is a 700 or better, you should have strong approval odds for the U.S. Bank Cash+ Signature card.
Does the U.S. Bank Cash+ Signature card have an annual fee?
No, the U.S. Bank Cash+ Signature card does not charge an annual fee.
Does the U.S. Bank Cash+ Signature card have a welcome bonus?
No, the U.S. Bank Cash+ Signature card does not offer a welcome bonus. It does, however, offer a 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.74 - 29.74% variable.
What are the 5% cash-back categories of the U.S. Bank Cash+ Signature card?
You can choose 2 of the following categories to receive 5% cash-back on with the U.S. Bank Cash+ Signature card:
Cell phone providers
Department stores
Electronic stores
Fast food
Furniture stores
Ground transportation
Gyms/fitness centers
Home utilities
Movie theaters
Select clothing stores
Sporting goods stores
TV, internet, and streaming
Further, you’ll also earn 5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Center.
Does the U.S. Bank Cash+ Signature card charge foreign transaction fees?
Yes, the U.S. Bank Cash+ Signature card charges a 3% foreign transaction fee, so you’ll want to choose another card when making purchases overseas.
Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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