Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.

U.S. Bank Cash+ Visa Signature Card — Full Review [2024]

Jarrod West's image
Jarrod West
Jarrod West's image

Jarrod West

Senior Content Contributor

451 Published Articles 1 Edited Article

Countries Visited: 21U.S. States Visited: 24

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Edited by: Kellie Jez
Kellie Jez's image

Kellie Jez

Director of Operations & Compliance

6 Published Articles 1193 Edited Articles

Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon4
  • $200

  • $0

  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.49% - 29.74% (Variable).

  • Good to Excellent (670-850)

U.S. Bank Cash+® Visa Signature® Card

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon4

The U.S. Bank Cash+® Visa Signature® Card is a great card for those looking to maximize their cash-back rewards by earning up to 5% back from a variety of expense categories.

The cardholder gets to choose 2 categories every quarter. It’s also the best cash-back card to use for utility bills, a tricky expense to get solid rewards back for.

Card Snapshot

Welcome Bonus & Info

  • $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
  • 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
  • 1% cash back on all other eligible purchases
  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.49 – 29.74%
  • No Annual Fee
  • Terms and conditions apply.

Pros

  • 5% cash-back across a large range of expense categories (you choose 2 categories every quarter), including utility bills (a rare perk for a credit card), home utilities, cell phone providers, fast food, TV, internet and streaming services, gym/fitness centers, and more
  • 5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Center
  • 2% cash-back on 1 everyday category, including grocery stores, restaurants, and gas stations
  • 1% cash-back on all other purchases
  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles; after that, a variable APR currently19.49 – 29.49%
  • No annual fee

Cons

  • Your 5% cash-back rewards on the top 2 categories of your choosing are limited to $2,000 in combined eligible purchases each quarter
  • Cash-back for travel expenses must be made through the Rewards Center

Upgraded Points: Expertise You Can Trust

Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.

  • Content by Leading Industry Experts
  • Routine Updates and Fact-Checks
  • First-Hand Credit Card Experience
  • Shared Across 200+ Top Outlets
  • Methodical “U.P. Rating” System
  • 1060+ Expert Credit Card Guides

Great Card If

  • You’re looking for a cash-back rewards card that you can tailor to your spending habits
  • You want a card without an annual fee

Don’t Get If

  • You want a card that earns broad travel rewards
  • The 5% cash-back bonus categories don’t fit your spending habits

U.S. Bank Cash+ Signature Card — Is It Worth It?

The U.S. Bank Cash+ Signature card is well worth it for anyone who is looking for a strong cash-back rewards card that can be tailored exactly to the purchases you spend the most on.

Consider that you’ll earn 5% cash-back on up to $2,000 in spend per quarter on the 2 categories of your choosing. Pick from categories including home utilities, cell phone providers, TV, internet and streaming services, and more. Thanks to these bonus categories, this is one of the best credit cards for monthly bills and expenses.

Those who choose wisely and meet the $2,000 quarterly threshold can earn $100 of cash-back each quarter, or $400 every year. That is some pretty stellar cash-back earnings from a no-annual-fee card!

The cash-back rewards don’t stop there, though. You’ll also receive 5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Center, and 2% cash-back on everyday categories such as grocery stores, restaurants, or gas stations.

Put simply, the U.S. Bank Cash+ Signature card is an excellent option for those who know where their money goes each month and are looking for a way to maximize their cash-back rewards on these expenses.

U.S. Bank Cash+ Signature Card Top Benefits

Introductory APR

The card offers an introductory APR offer, which can be helpful to some.

If you’re interested in spreading out a large purchase, or several purchases, the card offers a 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.74 - 29.74% variable

This will allow you to split up a large purchase over the intro period, without being billed for any interest during those months.

Rewards Center Earn Mall

The Rewards Center Earn Mall is U.S. Bank’s shopping portal that allows you to earn even more cash-back rewards at over 1,100 online stores.

If you’re someone that does a fair bit of online shopping, then this card benefit could be quite lucrative for you. Even more so when you consider that some of the card’s 5% cash-back categories include furniture stores, electronic stores, department stores, select clothing stores, and sporting goods stores.

Best Ways To Earn and Redeem Your Cash-back

To earn as much cash-back with your card as possible, you’ll obviously want to make sure you’re using it for every purchase you can, since you’ll earn 1% to 5% cash-back depending on the category.

Speaking of categories, you’ll also want to make sure that you choose your 5% bonus categories and 2% category wisely, as doing so will allow you to earn significantly more cash-back.

When it comes to redeeming your cash-back, U.S. Bank allows you to do so as a statement credit, a rewards card, or directly deposited into your U.S. Bank checking or savings account. The only downside here is that you must have at least $25 worth of cash-back rewards before you can make a redemption.

Alternative Cards to the U.S. Bank Cash+ Signature Card

Chase Freedom Flex℠ Credit Card

Chase Freedom Flex®
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Learn More(at Chase's secure site)
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

Pros
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
  • No annual fee
Cons
    • 3% foreign transaction fees in U.S. dollars
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • Member FDIC
Financial Snapshot
  • APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

One of our favorite no-annual-fee cash-back credit cards is the Freedom Flex card thanks to its 5% cash-back rewards on rotating quarterly bonus categories like gas and groceries on up to $1,500 in spend.

Plus, it also offers 5% cash-back on travel purchases made through Chase Travel, 3% back on dining and drugstore purchases, and 1% back on all other purchases.

Bank of America® Customized Cash Rewards Credit Card

Bank of America® Customized Cash Rewards credit card
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Bank of America Customized Cash Rewards card allows you to maximize your cash-back in your choice category each month.

The Bank of America Customized Cash Rewards card allows you to maximize your cash-back in your choice category each month.
Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
$200
$0
0% Intro APR for 15 billing cycles for purchases and balance transfers. Variable rate of 18.24% - 28.24% applies thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

If you’re looking to the rake in the cash-back rewards, then the Bank of America® Customized Cash Rewards Credit Card is a great option. Not only do you get to choose the 3% category for the card, but you can also boost the cash-back you earn by being a member of the Bank of America Preferred Rewards program.

Pros
  • 3% cash-back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (your category can be changed each month)
  • 2% cash-back at grocery stores and wholesale clubs
  • 1% cash-back on all other purchases
Cons
  • 3% and 2% cash-back categories are limited to the first $2,500 in combined purchases each quarter, then you’ll earn 1%
  • Charges a foreign transaction fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined quarterly purchases) and unlimited 1% on all other purchases.
  • If you’re a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards.
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24%-28.24% Variable APR will apply. A 3% fee applies to all balance transfers in the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.
  • Contactless Cards – The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Financial Snapshot
  • APR: 0% Intro APR for 15 billing cycles for purchases and balance transfers. Variable rate of 18.24% - 28.24% applies thereafter.
  • Foreign Transaction Fees: 3%

Another card that allows you to choose your own top rewards category is the Bank of America Customized Cash Rewards card. It offers 3% cash-back on either gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. Your category can be changed each month to suit any upcoming purchases. Further, it earns 2% cash-back at grocery stores and wholesale clubs and 1% cash-back on all other purchases with no annual fee.

The information regarding the U.S. Bank Cash+® Visa Signature® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Bank of America® Customized Cash Rewards credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

What credit score do I need for the U.S. Bank Cash+ Signature card?

There isn’t a set credit score that will guarantee your approval for the U.S. Bank Cash+ Signature card. Further, credit issuers take additional factors beyond your credit score into consideration when making application decisions, such as your years of credit history and income.

That said, if your credit score is a 700 or better, you should have strong approval odds for the U.S. Bank Cash+ Signature card.

Does the U.S. Bank Cash+ Signature card have an annual fee?

No, the U.S. Bank Cash+ Signature card does not charge an annual fee.

Does the U.S. Bank Cash+ Signature card have a welcome bonus?

No, the U.S. Bank Cash+ Signature card does not offer a welcome bonus. It does, however, offer a 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.74 - 29.74% variable.

What are the 5% cash-back categories of the U.S. Bank Cash+ Signature card?

You can choose 2 of the following categories to receive 5% cash-back on with the U.S. Bank Cash+ Signature card:

  • Cell phone providers
  • Department stores
  • Electronic stores
  • Fast food
  • Furniture stores
  • Ground transportation
  • Gyms/fitness centers
  • Home utilities
  • Movie theaters
  • Select clothing stores
  • Sporting goods stores
  • TV, internet, and streaming

Further, you’ll also earn 5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Center.

Does the U.S. Bank Cash+ Signature card charge foreign transaction fees?

Yes, the U.S. Bank Cash+ Signature card charges a 3% foreign transaction fee, so you’ll want to choose another card when making purchases overseas.

Jarrod West's image

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

DMCA.com Protection Status