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

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

Our Rating
4.8/5.0

Welcome Offer
$200 bonus

Annual Fee
$0

0% on Purchases
15 billing cycles on purchases

Reward Rate
1% - 5%

0% on Balance Transfers
15 billing cycles on balance transfers

Welcome Offer

$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

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

Rewards

1% cash back
On all other eligible purchases
1% cash back on all other purchases
2% cash back
Rotating Categories
2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants
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

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3% 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 APR19.74% - 29.74% (V) APR
Balance Transfers0% Intro APR for 15 months on balance transfers, then 19.74% - 29.74%(V) APR after that.
Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater
Purchases0% Intro APR for 15 months on purchases, then 19.74% - 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 a number of factors in their underwriting process, and these factors can change at any time.

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

What Are the Best Alternatives?

Chase Freedom Unlimited®
Chase Freedom Unlimited®

Rating

4.9

Rewards Range

1.5% - 5%

Annual Fee

$0

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Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card

Rating

4.9

Rewards Range

1x - 5x points

Annual Fee

$95

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Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card

Rating

4.5

Rewards Range

2x - 5x miles

Annual Fee

$95

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