U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card

on US Bank's website

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card

on US Bank's website

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Card details

  • New! $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 Travel 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 14.74% - 24.74%

  • No Annual Fee

  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.

  • Terms and conditions apply.

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1%-5%

  • Bonus offer

    $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

  • Intro APR

    0% intro APR for 15 billing cycles on purchases and balance transfers

  • Ongoing APR

    APR: 14.74%-24.74% Variable APR

    Cash Advance APR: 26.74%, Variable

  • Balance transfer fee

    Either 3% of the amount of each transfer or $5 minimum, whichever is greater

  • Foreign transaction fee

    2% 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

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn moreLearn more
Annual fee

$0

Annual fee

$99

Annual fee

$199

Regular APR

14.74%-24.74% Variable APR

Rates & Fees

Regular APR

16.24%-25.24% Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

0% intro APR for 15 billing cycles on purchases and balance transfers

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Melissa Lambarena

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

4.3

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Bonus categories

  • High rewards rate

Cons
  • Complicated rewards

The U.S. Bank Cash+® Visa Signature® Card lets you choose your own bonus categories for spending.

The annual fee is $0, and it earns:

-5% cash back (up to $2,000 in combined purchases per quarter) on two bonus categories of your choice.

-2% cash back on one everyday purchase category of your choice.

-1% cash back on all other eligible purchases.

You can choose two 5% categories from a list. Some examples include cell phone providers, movie theaters, fast food and car rentals. Your everyday category can include gas stations, grocery stores or restaurants.

For more information, see NerdWallet’s full review.