Credit Card
Is the U.S. Bank Cash+™ Visa Signature® credit card worth it?
Maximize cashback on everyday spending with the U.S. Bank Cash+™ Visa Signature® card. Choose preferred categories. Learn more in this article.
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The information in this post is accurate as of the publication date. However, some terms or offers may have changed since then. We recommend verifying current conditions before making any decisions.
The U.S. Bank Cash+™ Visa Signature® credit card allows you to earn up to 5% cashback without any annual fees.
Consider the U.S. Bank Cash+™ Visa Signature® credit card for a new credit card option. No annual fee and cashback rewards on everyday purchases, including groceries and gas stations.
Is it suitable for you? Continue reading to discover.
Redeem points earned via Capital One mobile app effortlessly. Choose from statement credits, gift cards, Walmart discounts, and Capital One Travel Rewards bookings. Enjoy $0 Fraud Liability as well.
A good to excellent credit score is required for Capital One Walmart Rewards® Mastercard® eligibility. Learn more about the application process below.
| Annual Fee | $0 |
| Credit Score | Good/Excellent |
| Welcome bonus | $200 after spending $1,000 on the first 4 months. Terms apply. |
| Rewards | 5% cashback on two bonus categories of your choice.* 2% cashback on selected categories.* 1% cashback on other purchases.* *Terms apply. |
$0
Good/Excellent
$200 after spending $1,000 on the first 4 months. Terms apply.
5% cashback on two bonus categories of your choice.* 2% cashback on selected categories.* 1% cashback on other purchases.* *Terms apply.
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U.S. Bank Cash+™ Visa Signature® card
The U.S. Bank Cash+® Visa Signature® Card is like that friend who’s always up for any plan, ready for whatever comes their way—except in the world of credit cards!
With a customizable rewards scheme, it offers a lot of bonus cashback for many relevant categories.
On top of this dreamy rewards program, the card also offers a $200 welcome bonus for new customers who spend $1,000 within the first 120 days.
And it doesn’t stop there! There’s a 0% APR offer for purchases and balance transfers during the first 15 billing cycles—a lifesaver if you’re planning on making a big purchase or transferring a heavy balance.
After that, the APR varies from 19.49% to 29.74%. The card has no annual fee, but there’s a 3% foreign transaction fee and a balance transfer fee of $5 or 3%, whichever is greater.
Rewards Structure:
- 5% Cash Back: You can earn 5% cash back on your first $2,000 in combined eligible purchases each quarter across two categories of your choice. These categories include options like cell phone services, fast food, electronics stores, and more. You need to select your categories each quarter.
- 2% Cash Back: Additionally, you can earn 2% cash back on one everyday category such as gas stations, grocery stores, or restaurants.
- 1% Cash Back: All other purchases earn 1% cash back.
Should you get one?
This card is the right choice for those with good to excellent credit (with a score above 670) who want to maximize their rewards without paying an annual fee.
It’s ideal for people who spend heavily in certain categories and are willing to adjust their cashback options each quarter to get the best return.
But if you prefer something simpler or need a card for international use, it might be better to look elsewhere.
If you excel at cashback management, the main benefit of this card is its cashback rewards. With no annual fee, it’s worth considering. Here are some of the card’s advantages and disadvantages:
Pros
- No annual fee;
- Easy $200 welcome bonus with $1,000 spent in 120 days;
- Choose 2 out of 12 categories for 5% cashback (up to $2,000 per quarter);
- 2% cashback on groceries, gas, restaurants, and EV charging;
- 1% cashback on other purchases;
- Zero fraud liability.
Cons
- Complicated rewards program;
- Good credit score required.
To apply for the U.S. Bank Cash+™ Visa Signature® credit card, learn about the application process in the following.
How to Apply Online for the U.S. Bank Cash+™ Visa Signature® card
If you want to apply for the U.S. Bank Cash+™ Visa Signature® card, you can do it from the comfort of your own home.
Simply visit the U.S. Bank website and click on the “apply now” button for the Cash+ card. Before applying, be sure to review the card’s features and benefits to confirm it’s the right card for you.
During the application process, you’ll need to register on the site and provide basic contact information, including your name, email, and address.
Keep in mind that U.S. Bank will conduct a hard inquiry on your credit score, so ensure that you meet the necessary requirements before applying.
Be sure to carefully fill out the application form and wait for a response, which should arrive in your email within minutes.
But wait, have you heard about the US Bank Altitude® Go Visa card?
If you want another option of credit card with no annual fees and great benefits, you can apply for the US Bank Altitude® Go Visa Signature® card.
How to request US Bank Altitude® Go Visa card?
Here's how to apply for the US Bank Altitude® Go Visa Signature® card and start earning rewards and cashback today!
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