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

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.

U.S. Bank Cash+ Visa Signature

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

SecurityZero Liability
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsExtended 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 APR18.99% to 29.24% (V) APR
Balance Transfers0% Intro APR for 15 months on balance transfers, then 18.99% to 29.24%(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 18.99% to 29.24% (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 StatusDateCredit ScoreBureauCredit Limit
Approved09/01/2023
780
Not Provided
$10,000
Approved02/06/2023
778
Experian
$10,000
Approved02/06/2023
809
Equifax
$10,000
Approved02/06/2023
820
TransUnion
$10,000
Approved01/11/2024
797
Experian
$17,000
Approved09/21/2023
800
Experian
$500
Approved01/09/2023
809
Experian
$9,000
Approved08/05/2023
749
Not Provided
$500
Approved08/05/2023
803
Not Provided
$500
Approved08/05/2023
808
Not Provided
$500
Approved08/05/2023
829
Not Provided
$500
Approved06/19/2023
663
TransUnion
$600
Approved05/30/2023
744
Experian
$6,500
Approved05/30/2023
752
Equifax
$6,500
Approved05/30/2023
772
TransUnion
$6,500
Denied10/02/2023
791
Experian
---
Denied10/02/2023
811
Equifax
---

Pros & Cons

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 Sapphire Preferred® Card
Chase Sapphire Preferred® Card

Rating

4.9

Rewards Range

1x - 5x points

Annual Fee

$95

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

Rating

4.5

Rewards Range

2x - 5x miles

Annual Fee

$95

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

Rating

4.9

Rewards Range

2x - 10x

Annual Fee

$395

Related Articles