The U.S. Bank Cash+® Visa Signature® Card is a cashback rewards credit card that offers exceptional flexibility for cardholders.
With its customizable rewards structure, the card allows users to earn 5% cashback on their first $2,000 in combined eligible purchases in two categories of their choice (from a list of categories), 2% cashback on one everyday category (such as groceries or gas), and 1% cashback on all other purchases.
This makes it an ideal option for those who want to maximize their cashback rewards without being locked into preset categories.
About U.S. Bank
U.S. Bancorp, the parent company of U.S. Bank, is a major financial services provider in the United States.
Founded in 1863 and headquartered in Minneapolis, Minnesota, U.S. Bank has established itself as one of the leading banks in the country, offering a wide array of banking products and services.
These include personal banking, small business solutions, wealth management, and corporate banking services.
Who Is This Card For?
The U.S. Bank Cash+® Visa Signature® Card is perfect for individuals who want to earn cashback while enjoying the flexibility of choosing their reward categories. It is ideal for:
- Consumers who want flexibility in choosing cashback categories: The ability to choose the categories for earning 5% cashback allows cardholders to tailor their rewards program to their unique spending habits.
- People with diverse spending habits: Whether you spend more on gas, groceries, or dining, the U.S. Bank Cash+® Visa Signature® Card allows you to choose where you earn the most cashback.
- Frequent credit card users: Those who regularly use credit cards for purchases can benefit from the high earning potential in selected categories, such as gas stations, electronics, or home improvement stores.
- People seeking a sign-up bonus: The sign-up bonus is a great way for new customers to jumpstart their rewards earnings and take advantage of the cashback opportunities.
- Shoppers who want value on everyday purchases: The 2% cashback on an everyday category like groceries or gas can add up quickly for consumers who shop frequently at these types of stores.
Card Benefits
The U.S. Bank Cash+® Visa Signature® Card offers several valuable benefits for its cardholders, making it a top choice among cashback credit cards. Here are some of the key benefits:
- 5% Cashback on Categories of Your Choice: One of the standout features of this card is the ability to earn 5% cashback on the first $2,000 in combined purchases in two categories that cardholders select. These categories include options like grocery stores, gas stations, department stores, and electronics, providing a great opportunity for users to maximize their cashback.
- 2% Cashback on One Everyday Category: Cardholders earn 2% cashback on a category they choose, which can be a great fit for those who regularly shop for groceries, gas, or utilities. This ensures that cardholders get solid cashback rewards on common everyday purchases.
- 1% Cashback on All Other Purchases: For all purchases outside the selected categories, users still earn 1% cashback. While not as high as the 5% and 2% categories, this ensures cardholders continue to earn rewards on all their purchases, making it a well-rounded cashback card.
- Sign-Up Bonus: New cardholders can earn a $200 bonus after spending a certain amount in the first few months of opening an account. This provides an immediate return on spending, which can be used for anything from paying off purchases to investing in future rewards.
- No Annual Fee: The U.S. Bank Cash+® Visa Signature® Card comes with no annual fee, which makes it an even more attractive option for those looking to maximize cashback without incurring additional costs.
Additional Benefits
In addition to the core benefits, the U.S. Bank Cash+® Visa Signature® Card offers several extra features that make it a competitive option for cashback seekers:
- No Foreign Transaction Fees: Cardholders can use the card internationally without worrying about foreign transaction fees, making it a great option for travelers.
- Enhanced Security: U.S. Bank offers fraud alerts, chip technology, and virtual card numbers to enhance the security of card transactions.
- Access to Special Events and Offers: As a Visa Signature card, cardholders can enjoy exclusive access to concerts, sports events, and dining experiences, as well as enjoy discounted hotel rates and other travel perks.
Fees and charges
Late Payment: Up to $41;
Returned payment: Up to $41;
● Introductory APR: 0% for 15 billing cycles;
● Standard APR: 18.49% - 28.74%;
● Balance Transfer Fee: either 3% of the amount of each transfer or $5 minimum;
● Cash Advance: either 5% of the amount of each advance or $10 minimum.
Expert review
The U.S. Bank Cash+® Visa Signature® Card is a flexible cash-back card that offers 5% cash back on the first $2,000 spent in two categories of your choice, plus 2% cash back on one everyday category like groceries or gas.
With no annual fee, it’s a great option for those who want to customize their rewards.
However, it requires activation for the 5% categories and has a cap on the higher rewards.
Still, it’s an excellent choice for maximizing cash back.
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+Positive points
- 5% cash back: Earn 5% cash back on the first $2,000 spent in two categories you choose each quarter.
- 2% cash back: Get 2% cash back on one everyday category like gas or groceries.
- No annual fee: A great option for maximizing cash back without paying an annual fee.
- Flexible rewards: Choose your categories each quarter to maximize rewards based on your spending habits.
- Sign-up bonus: Earn a $150 cash back bonus after spending $500 in the first 90 days.
- Negative points
- Category activation: You need to manually activate the 5% categories each quarter.
- Spending cap: The 5% cash back is limited to the first $2,000 spent per quarter in selected categories.
- Limited bonus categories: You only have a few options for the 5% cash back categories, which may not suit everyone’s spending patterns.