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U.S. Bank Cash+™ Visa Signature® Card: Freedom and Flexibility

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U.S. Bank Cash+™ Visa Signature® Card : Freedom and Flexibility

U.S. Bank Cash+™ Visa Signature® Card Editor's Rating: 4.6 / 5

If you love living life on your own terms, the U.S. Bank Cash+™ Visa Signature® Card may be the card for you. Instead of choosing bonus categories for you, this card lets you pick your own. To boot, it offers a high ongoing rewards rate and considerable long-term value.

US Bank Cash+(TM) Visa Signature(R) Card Credit Card
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5% as a starting point

The U.S. Bank Cash+™ Visa Signature® Card offers 5% cash back on bonus categories that change every quarter up to $2,000 in net purchases spent per quarter, or $8,000 a year. You can choose two 5% categories from a list that may include gym costs, cell phone bills, movie theaters, fast food and car rentals. On top of that, you’ll also get an unlimited 2% rewards on one everyday purchase category, where you may be able to choose from categories such as gas, groceries or restaurants.

Best of all, the rewards are unlimited, and the annual fee is $0, which gives this card an even better long-term value.

U.S. Bank Cash+™ Visa Signature® Card vs. Chase Freedom®: 5 on 5

Chase Freedom Credit Card
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If you’re thinking about getting the U.S. Bank Cash+™ Visa Signature® Card, you’ve probably also considered another reigning 5% champion, the Chase Freedom®. The Chase Freedom® gives 5% back on bonus categories, but those categories are preset by Chase, and capped at $1,500 in purchases a quarter, or $6,000 a year.

The U.S. Bank Cash+™ Visa Signature® Card has higher ongoing rewards than the  Chase Freedom®, but lacks the head start of a bonus. The  Chase Freedom®, meanwhile, comes with an easy-to-get offer: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Moral of the story? Get the U.S. Bank Cash+™ Visa Signature® Card if:

  • You want to choose your own rewards categories
  • You plan to hold the card for more than 2 years

Get the Chase Freedom® if:

  • The bonus categories dovetail with your spending
  • You plan to hold the card for 2 years or fewer

It comes down to sign-up bonus versus ongoing rewards, here’s something to keep in mind: The Chase Freedom® delivers a lot of value quickly, while the U.S. Bank Cash+™ Visa Signature® Card has less short-term value but more staying power.

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