Rewards
Pros & Cons
- Welcome offer
- No annual fee
- Up to 5% cash back
- High APR
- Foreign transaction fee
- Requires good credit
Features & Benefits
| Security | Zero Liability |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Cell Phone Protection, Extended Warranty Coverage, Price Protection, Purchase Protection, Return Guarantees |
| Travel Perks | Access to Special Events and Concerts, Auto Rental Collision Damage Waiver, Emergency Travel Assistance, Airport Lounge Access, Luggage Protection, Trip Delay Reimbursement, Roadside Assistance, Travel Accident Insurance, Trip Cancellation Insurance |
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency |
| Regular APR | 18.99% - 28.99% (V) APR |
0% Intro APR
| Balance Transfers | 0% Intro APR for 15 months on balance transfers, then 18.99% - 28.99%(V) APR after that. |
| Purchases | 0% Intro APR for 15 months on purchases, then 18.99% - 28.99% (V) APR after that. |
Our Take
The Cash+ Visa offers some of the highest cash back rewards on travel purchases. The reward structure is not simple. It includes multiple rewards categories and even multiple rotating categories. But the end result is a card that pays excellent cash back.
Its combination of a welcome bonus, 0% intro APR and no annual fee earn it a high rating.
How Does the Cash+ Visa Compare?
The Cash+ Visa competes well against other cash back cards. Its 5% cash back on travel through U.S. Bank's Rewards Travel Center makes it an excellent travel card. And its cash back on select rotating categories of your choosing makes it a contender for an everyday credit card.
Who is the Cash+ Visa best for?
The Cash+ Visa is best for those who travel in the U.S. frequently and are willing to purchase travel through the Rewards Travel Center.
Who would do better with a different card?
If you don't travel frequently or don't want to use the Rewards Travel Center, this card is not for you. It's also not ideal for those looking for a card with a simple rewards structure. And those with less than good credit should look elsewhere.
The card is also not suited for those who frequently travel overseas. It charges a foreign transaction fee, which is odd for a card that pays higher reward rates for travel.
What Credit Score is Required to Get the Cash+ Visa
Based on data we’ve collected from public forums, a credit score of about 670 or higher is needed to get approved for this card. A score of 700 or higher is ideal. We have seen one approval with a score as low as 676, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 08/03/2020 | TransUnion | ||
| Approved | 08/18/2017 | Experian | ||
| Approved | 10/24/2022 | TransUnion | ||
| Approved | 06/06/2019 | Experian | ||
| Approved | 06/19/2023 | TransUnion | ||
| Approved | 07/16/2018 | TransUnion | ||
| Approved | 04/02/2020 | TransUnion | ||
| Denied | 07/19/2021 | Experian |
What are the best alternatives?
Chase Freedom Unlimited®
Rating
4.9
Rewards Range
1.5% - 5%
Annual Fee
$0
Chase Sapphire Preferred® Card
Rating
4.9
Rewards Range
1x - 5x points
Annual Fee
$95
Capital One Venture Rewards Credit Card
Rating
4.5
Rewards Range
2x - 5x miles
Annual Fee
$95
