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U.S. Bank Cash+ Visa Signature Card — Full Review [2023]

Name: U.S. Bank Cash+ Visa Signature Card — Full Review [2023]
Item: U.S. Bank Cash+ Visa Signature Card
Rating: 4
Author: Jarrod West

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"You choose where you earn 5% cash-back!"

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.

Learn More (at U.S. Bank's secure site)

Jarrod West

- Updated: February 3, 2023

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.

Pros

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 currently 18.99 – 28.99%
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

U.S. Bank Cash+ Signature Card — Snapshot

Welcome Bonus & Info (Partner Content)
- $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 18.99 - 28.99%
- No Annual Fee
- Terms and conditions apply.
Card Categories:
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Great Card If

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 — Fees

Annual Fee
- $0
Foreign Transaction Fees
2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars or 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
Interest Rates
- 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 18.99 - 28.99% variable.
Late fees
- Up to $41
Balance Transfers
- 0% Intro APR on balance transfers for the first 15 billing cycles. After that, a variable APR currently 18.99 - 28.99%.
- Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Cash Advance APR
- 30.49% Variable

U.S. Bank Cash+ Signature Card - Is It Worth It?

Man Using credit card on computer — Image Credit: Syda Productions via Shutterstock

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.

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, a variable APR is currently 18.99 – 28.99%.

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

Chase Freedom Flex℠ Credit Card

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

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 Bank of America® Customized Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Featured Image Credit: U.S. Bank

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, 18.99 – 28.99% 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.

About Jarrod West

Jarrod has been writing about the ins and outs of credit cards and loyalty programs, along with airlines and hotels, for over 6 years. He is regularly called upon to share his expertise on the latest news within the space, and has been featured in publications such as Matador Network, The New York Times, RetailMeNot, and Yahoo! Finance. Jarrod has over 20 credit cards in his wallet and has tested out dozens more in order to vet the very best card options for readers. As he is constantly sampling new cards, Jarrod also earns (and redeems) over 1 million points and miles each year. This allows him to book luxury travel experiences the world over, and save tens of thousands of dollars in the process.

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