U.S. Bank Cash+ Visa Signature Card–$200 Bonus + Up To 5% Cash Back
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The U.S. Bank Cash+® Visa Signature® Card offers you the freedom to choose whatever two categories you want to earn 5% cash back in, up to $2,000 in combined purchases each quarter. You can choose from TV and streaming, select clothing stores, utilities, gas, cell phone and ground transportation (and more). You get 2% cash back on gas, grocery stores, and restaurants as well. This card is a good opportunity to earn 5% cash back if you typically spend in a category not featured on other cards. You also get a welcome offer with an easy-to-hit spend, and a 0% APR on purchases and balance transfers for the first 15 billing cycles. This card checks a lot of boxes. We dive into the details and your approval odds in this Cash+ Visa review.
Our Rating
4.8/5.0
Welcome Offer
$200 bonus
Annual Fee
$0
0% Intro on Purchases
15 billing cycles
Reward Rate
1% – 5%
0% Intro on Balance Transfers
15 billing cycles
>>Check Out This and Other Cash Back Credit Cards Here
Welcome Offer
$200 bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
Editorial Review
How Does the Cash+ Visa Compare?
The U.S. Bank Cash+® Visa Signature® Card 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 U.S. Bank Cash+® Visa Signature® Card 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. See our alternative options below.
Features & Benefits
| Security | Zero Liability |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | 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 |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% 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 | 19.49% - 29.74% (V) APR |
| Balance Transfers | 0% Intro APR for 15 months on balance transfers, then 19.49% - 29.74%(V) APR after that. |
| Balance Transfer Fee | Either 3% of the amount of each transfer or $5 minimum, whichever is greater |
| Purchases | 0% Intro APR for 15 months on purchases, then 19.49% - 29.74% (V) APR after that. |
What Credit Score Is Required to Get the U.S. Bank Cash+® Visa Signature® Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 663
Average Approved Credit Score: 781
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 09/01/2023 | Not Provided | ||
| Approved | 02/06/2023 | Experian | ||
| Approved | 02/06/2023 | Equifax | ||
| Approved | 02/06/2023 | TransUnion | ||
| Approved | 01/11/2024 | Experian | ||
| Approved | 09/21/2023 | Experian | ||
| Approved | 01/09/2023 | Experian | ||
| Approved | 08/05/2023 | Not Provided | ||
| Approved | 08/05/2023 | Not Provided | ||
| Approved | 08/05/2023 | Not Provided | ||
| Approved | 08/05/2023 | Not Provided | ||
| Approved | 06/19/2023 | TransUnion | ||
| Approved | 05/30/2023 | Experian | ||
| Approved | 05/30/2023 | Equifax | ||
| Approved | 05/30/2023 | TransUnion | ||
| Denied | 10/02/2023 | Experian | ||
| Denied | 10/02/2023 | Equifax |
Pros & Cons
- Welcome offer
- No annual fee
- Up to 5% cash back
- High APR
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
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
Capital One Venture X Rewards Credit Card
Rating
4.9
Rewards Range
2x - 10x
Annual Fee
$395