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You are here: Home / Credit Cards / U.S. Bank Cash+ Visa Signature Card–$200 Bonus + Up To 5% Cash Back

U.S. Bank Cash+ Visa Signature Card–$200 Bonus + Up To 5% Cash Back

April 29, 2022 by Rob Berger

The U.S. Bank Cash+ Visa Signature Card enables you to earn up to 5% cash back and a $200 signup bonus the first year. It offers a 0% introductory APR on balance transfers and purchases, and manages all of this without charging an annual fee.

U.S. Bank Cash+ Visa Signature Card
Learn More
Our Rating
4.8/5.0
Welcome Offer
$200
Annual Fee
$0
0% on Purchases
15 Months
Rewards Rate
1% - 5%
0% on Balance Transfers
15 Months

Rewards

5% cash back
Rotating Categories
5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
5% cash back
Airfare
5% cash back on prepaid air booked directly in the Rewards Center
5% cash back
Hotels
5% cash back on prepaid hotels booked directly in the Rewards Center
5% cash back
Rental Cars
5% cash back on prepaid car reservations booked directly in the Rewards Center
2% cash back
Rotating Categories
2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants
1% cash back
On all other purchases
1% cash back on all other purchases

Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • Up to 5% cash back
Cons
  • High APR
  • Foreign transaction fee
  • Requires good credit

Features & Benefits

SecurityZero Liability
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsCell Phone Protection, Extended Warranty Coverage, Price Protection, Purchase Protection, Return Guarantees
Travel PerksAccess 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 Fee2% 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 APR18.99% - 28.99% (V) APR

0% Intro APR

Balance Transfers0% Intro APR for 15 months on balance transfers, then 18.99% - 28.99%(V) APR after that.
Purchases0% 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 StatusDateCredit ScoreBureauCredit Limit
Approved08/03/2020
765
TransUnion
$5,000
Approved08/18/2017
773
Experian
$7,500
Approved10/24/2022
764
TransUnion
$12,500
Approved06/06/2019
754
Experian
$6,000
Approved06/19/2023
663
TransUnion
$600
Approved07/16/2018
676
TransUnion
$5,000
Approved04/02/2020
819
TransUnion
$5,000
Denied07/19/2021
708
Experian
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What are the best alternatives?

Chase Freedom Unlimited®
Chase Freedom Unlimited®

Rating

4.9

Rewards Range

1.5% - 5%

Annual Fee

$0

Read Review
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card

Rating

4.9

Rewards Range

1x - 5x points

Annual Fee

$95

Read Review
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card

Rating

4.5

Rewards Range

2x - 5x miles

Annual Fee

$95

Read Review

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About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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