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The U.S. Bank Cash+™ Visa Signature® Card remains available through NerdWallet, but our site and U.S. Bank are no longer the only places you can apply for it online, so this page is out of date. Interested in the card? Read our review of the U.S. Bank Cash+™ Visa Signature® Card.
Among 5%-bonus-category credit cards, the $0-annual-fee U.S. Bank Cash+™ Visa Signature® Card has long been a standout option for its flexibility and customization options.
And as of Nov. 22, 2021, the only places that the card will be available online are through U.S. Bank’s website and NerdWallet.
The ability to choose your own bonus categories based on your spending makes the card a competitive option for rewards maximizers. Other 5% cash-back options typically feature quarterly categories that are chosen by the issuer. But with the U.S. Bank Cash+™ Visa Signature® Card, cardholders can choose two 5% cash-back categories each quarter, out of a list of 12 options. Additionally, also every quarter, cardholders will be able to select a 2% cash-back category from a list of three choices.
Note that you’ll have to opt into bonus categories online each quarter to earn the card’s 5% and 2% rates.
» COMPARE: Credit cards that offer customizable rewards
U.S. Bank Cash+™ Visa Signature® Card: Details
Annual fee: $0.
Sign-up bonus: $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
APR: The offer through NerdWallet is as follows: 0% intro APR for 15 billing cycles on purchases and balance transfers, and then the ongoing APR of 13.99%-23.99% Variable APR.
5% cash back in two categories you choose (from a list of several), on up to $2,000 in combined eligible purchases each quarter. See the complete 5% list below.**
2% unlimited cash back in one everyday category that you choose. (In Q4 2021, everyday categories include grocery stores, gas stations and restaurants.)
1% cash back on all other purchases.
** In Q4 2021, eligible 5% categories include home utilities; cell phone providers; department stores; electronic stores; sporting goods stores; furniture stores; movie theaters; ground transportation; gyms and fitness centers; select clothing stores; fast food; and TV, internet and streaming services.
Redemption options: Rewards can be redeemed for statement credit or a deposit into an eligible bank account with U.S. Bank, or as a U.S. Bank Rewards Card. There’s a minimum redemption amount of $25 for cash back, and rewards will expire three years after you’ve earned them.
Balance transfer fee: 3% of each transfer amount, $5 minimum.
Foreign transaction fee: 2% for transactions in U.S. dollars; 3% for transactions made in a foreign currency.