U.S. Bank
The U.S. Bank Cash+® Visa Signature® Card offers customizable 5% and 2% cash-back categories, a welcome bonus, and no annual fee, giving you control to maximize rewards.
By: Zienic
Earn 5% Cash Back on Two Categories Each Quarter
Earn 5% cash back on two categories of your choice each quarter, up to $2,000 in combined purchases.
Get 2% Cash Back on One Everyday Category
Get 2% cash back on one everyday category you select (e.g. gas, groceries, restaurants) and 1% on all other eligible purchases.
Enjoy a Welcome Bonus
Enjoy a welcome bonus, e.g., $200 after spending $1,000 in eligible purchases within the first 90 days.
0% Introductory APR Offer
Take advantage of a 0% introductory APR on purchases and balance transfers for the first 15 billing cycles.
What Makes the U.S. Bank Cash+® Visa Signature® Card Stand Out
The U.S. Bank Cash+ Card gives users unusual flexibility in earning cash back. Each quarter, you pick two bonus categories from a changing list (for example, fast food, utilities, streaming, department stores, etc.), and earn 5% cash back on up to $2,000 in combined purchases for those two. If you spend beyond that or outside those categories, you still get at least 1% back. In addition, there’s a 2% cash back rate on one “everyday spending” category you choose (gas, groceries, restaurants, etc.), which helps when your spending habits change or certain bills dominate a month. Another draw is the welcome bonus—something like $200 after $1,000 in purchases in the first 90 days. That gives early value, especially when you time some larger purchases. The card also offers a 0% Intro APR for the first 15 billing cycles on purchases and balance transfers, giving breathing space if you have large expenses or need to move balances. After that, the variable APR applies. Of course, to maximize value, you’ll need to pay attention: choose your bonus categories well each quarter, spend enough in them to reach the bonus cap, and avoid carrying a large balance to dodge interest. But for someone who likes to plan, this card delivers a strong mix of control, rewards, and value—all with no annual fee.
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What credit score is needed to qualify?
You generally need a good to excellent credit score to get approved for the U.S. Bank Cash+® Visa Signature® Card.
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Is there an annual fee?
No, this card has no annual fee.
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What is the welcome bonus?
The typical offer is $200 cash-back bonus after spending $1,000 in eligible purchases in the first 90 days.
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How does the cash-back structure work?
You pick two 5% bonus categories per quarter (on up to $2,000 in combined purchases), one 2% everyday category (gas, groceries, or restaurants etc.), and you get 1% cash back on all other eligible purchases.
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Are there foreign transaction fees?
Yes. The U.S. Bank Cash+ card charges foreign transaction fees for purchases made outside the U.S. according to current terms.
How to Apply for the U.S. Bank Cash+® Visa Signature® Card
Here’s a guide to applying smoothly: First, verify your eligibility. The card is aimed at people with good to excellent credit scores. Having a credit score in the right range improves chances of approval. Also prepare documentation like Social Security number, proof of income, address, etc. Next, visit the official U.S. Bank website and navigate to the Cash+® Visa Signature® Card page. Review the current offer—welcome bonus, APR terms (including the 0% introductory period), and the bonus categories list. Offers may change, so this step is key. When you’re ready, click “Apply Now” and complete the online application form. You’ll need personal info (name, address, income), possibly existing bank relationships. Make sure you’re aware of the terms—how the bonus categories work, what spending caps there are, and how/when to change categories. After submission, many applicants get a decision quickly, sometimes instantly; others may require additional verification. If approved, you’ll receive the card by mail, usually within a week or so. Once you have it, activate it, set your choices for the 5% and 2% categories (if needed), and start using it in bonus categories to maximize rewards.