U.S. Bank Cash+™ Visa Signature® Card

Robin Saks Frankel  in  Cash Back How we rate our cards  |  Advertiser Disclosure
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Recommended Credit Score

Good Credit to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On U.S. Bank's secure website
Annual Fee:
Purchase Intro APR:
Balance Transfer Intro APR:
0%* intro on BTs for 12 billing cycles
Regular APR:
15.74% - 25.24%* (Variable)
Terms and Restrictions Apply | Rates and Fees

Bankrate Rating

Commonly used for: Auto Rental Insurance, Balance Transfer, Cash Back, Concierge Service, Editor's Pick, EMV, Excellent Credit, Extended Warranty Program, Gas, Grocery, Lost Luggage Reimbursement, Mobile Pay Ready, No Annual Fee, Purchase Protection, Rewards, Roadside Assistance, Travel Accident Insurance, Travel Assistance, Unsecured credit card, Visa Signature®, Zero Fraud Liability.

Score Breakdown

Bankrate Rating

Annual Fee
Intro Bonus
Variable APR
Foreign Transaction Fee

The U.S. Bank Cash+ Visa Signature Card is the only personal credit card we know of that gives you the option to choose your rotating bonus categories.

Gotta have the latest gear and gadgets? Choose electronics as one of your bonus categories. Take the family to see a flick and splurge on the concessions regularly? Opt for 5% back at the theaters as a second category.


Want maximum rewards and major flexibility in how to earn them? The U.S. Bank Cash+ Visa Signature Card could make your cash-back credit card desires come true.

Every quarter, you can pick two categories from a list of 12 that earn 5.0% cash back on up to $2,000 in combined purchases per quarter, making it a truly custom rewards plan. Next, choose one category from a list of three that earns 2% cash back for the first year. All other purchases earn 1% cash back on all other eligible net purchases the first year.

And there’s an easy-to-attain $150 bonus if you make $500 in eligible net purchases in the first 90 days you have the card.

All of this, and there’s no annual fee, either.

This card, in theory, ensures you aren’t stuck with categories that don’t fit your spending patterns. It instead offers rotating bonus categories and lets you cherry-pick which ones you want. If you like the idea of choosing your rewards category, don’t forget about the Bank of America® Cash Rewards credit card, which allows cardholders to earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs and unlimited 1% on all other purchases (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).

Here are the 12 categories from which you can choose the maximum cash-back reward:

  • Ground transportation
  • Select clothing stores
  • Cell phones
  • Electronics stores
  • Car rentals
  • Gyms/fitness centers
  • Bookstores
  • Fast food
  • Sporting goods stores
  • Department stores
  • Furniture stores
  • Movie theaters
  • Select TV, internet and streaming services

You can earn 2% rewards on one of the following: Gas stations, restaurants or grocery stores.

Keep in mind, if you plan on shelling out for some high-priced items within those bonus categories, like a new dining room set or upgraded home entertainment system, you’re likely to exceed the $2,000 quarterly cap and might be better off with a card that gives you a flat 2% cash back.

The 0% APR balance transfer offer for 12 billing cycles is nice (15.74% – 25.24% variable after that), but it comes with a 3% balance transfer fee, which can eat away at your savings.

Who should get this card

This card may be a good fit for someone who spends no more than $2,000 a quarter in their two 5% bonus categories. You could pair this card with another rotating cash-back card for maximum savings.

  • Most cards that offer bonus categories, have the categories pre-selected. This one lets you choose your own two bonus categories every quarter.
  • If you don't qualify for this card, you'll be automatically considered for U.S. Bank Cash+ Visa Platinum Card, which has the same earning rewards as the Cash+ Visa Signature Card, but does not offer the Visa Signature benefits.
  • The card is part of the Visa Signature network, which includes travel and auto protections and insurances.
  • You have to log into your account to choose your category bonuses, which may be cumbersome for some.
  • There’s a $2,000 cap per quarter in net spending in the bonus categories so anyone who spends in excess of $8,000 annually in those areas may be better off with a flat rate cash-back rewards card.
  • It will take some organization to track your spending to maximize your earnings.
  • There's a balance transfer fee, which can eat away at your savings if you transfer a debt to this card. See rates and fees.

Fees and APR

  • This card carries a variable purchase APR of 15.74% – 25.24%.
  • Enjoy an introductory 0% APR on balance transfers for 12 billing cycles. After that, a variable 15.74% to 25.24% based on creditworthiness will apply.
  • There’s a 3% balance transfer fee.
  • You’ll pay no annual fee.
  • You’ll pay a 2% fee for foreign transactions made in U.S. dollars and a 3% fee for foreign transactions made in non-U.S. currency.
  • Late payments won’t affect your overall APR, but there is an up to $39 fee.
  • Rates and Fees 

Extras, perks and using rewards

This card comes with Visa Signature benefits, which includes 24-hour concierge service, discounts and upgrades on select travel, and access to exclusive entertainment and fine-dining events.

There’s no minimum redemption amount and you can cash in your awards any time as a deposit into your U.S. Bank checking or savings account, or as a credit on your statement. You do not have to be a customer with the bank to qualify for a card.