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% on Purchases
15 billing cycles
Reward Rate
1% – 5%
0% 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 120 days of account opening.
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 |
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 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