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U.S. Bank
With tailored 5% and 2% cash-back options, a sign-up bonus, and zero annual fee, the U.S. Bank Cash+® Visa Signature® Card puts you in charge of optimizing your returns.
Gain 2% Cash Back on a Chosen Daily Category
Earn 2% cash back on an everyday category of your choice (such as grocery stores, gas, or dining) plus 1% on every other qualifying purchase.
Claim an Introductory Bonus
Take advantage of an introductory offer, like $200 back when you charge $1,000 in qualifying expenses during your initial 90 days.
0% Intro APR Promotion
Benefit from a 0% introductory APR rate applying to both purchases and balance transfers across the initial 15 billing cycles.
CHECK HOW TO APPLY!
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Why the U.S. Bank Cash+® Visa Signature® Card Distinguishes Itself
The U.S. Bank Cash+ Card provides cardholders with remarkable versatility when collecting cash rewards. Every quarter, cardholders select two bonus categories from an available list (including options like utilities, fast food, streaming services, department stores, and more), securing 5% cash back on combined spending up to $2,000. Any transactions beyond this limit or outside these sectors still receive a baseline 1% return. Furthermore, you can select one “everyday spending” category (such as groceries, gas stations, or restaurants) to gain 2% cash back, providing great flexibility as your budget changes throughout the year. Another major highlight is the sign-up bonus—frequently $200 once you make $1,000 in purchases during the opening 90 days. This provides upfront earnings, particularly if aligned with planned large buys. Cardholders also benefit from a 0% Intro APR on purchases and balance transfers during the first 15 billing cycles, offering flexibility for big expenses or debt consolidation before the standard variable APR kicks in. To truly optimize benefits, users must stay proactive: select quarterly categories wisely, hit the spending threshold, and pay balances promptly to avoid interest charges. Ultimately, for strategic spenders, this card provides an excellent balance of personalization, rewards, and long-term value—entirely free of an annual fee.
Which credit score is required to be approved?
Approval for the U.S. Bank Cash+® Visa Signature® Card typically requires a good or excellent credit rating.
Does this card charge an annual fee?
No, there is zero annual fee for this card.
How does the welcome bonus work?
A standard introductory offer provides a $200 cash back bonus once you spend $1,000 on qualifying purchases within the initial 90 days.
How does the rewards program function?
You select two 5% cash-back categories each quarter (up to $2,000 in total combined spend), one 2% everyday category (such as gas stations, grocery stores, or restaurants), plus 1% cash back on every other qualifying purchase.
Does it charge international transaction fees?
Yes. As per current terms, the U.S. Bank Cash+ card applies foreign transaction fees on purchases completed outside of the United States.
Step-by-Step Application for the U.S. Bank Cash+® Visa Signature® Card
Follow these steps for an easy application process: First, check your credit qualifications. This product is designed for applicants with good to excellent credit, and having the appropriate score boosts approval odds. Gather your details beforehand, including your Social Security number, proof of income, and address. Next, go to the official U.S. Bank website and find the Cash+® Visa Signature® Card section. Check the active terms—introductory bonus, APR details (such as any 0% promo period), and current category options. Promotions can change, so reviewing them is essential. When prepared, select “Apply Now” and fill out the online form with your personal data (full name, residential address, earnings) and any existing account details. Review all conditions carefully—including category rules, purchase limits, and deadlines for picking categories. Upon submitting, applicants frequently receive an immediate or fast response, though some files need extra review. If approved, the card typically arrives by mail in about a week. After it arrives, complete activation, choose your preferred 5% and 2% reward categories, and start spending in those areas to earn the highest cash back.