U.S. Bank Cash+™ Visa Signature® Card review

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Recommended Credit Score

Good to Excellent (670 - 850)

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Annual Fee:
Purchase Intro APR:
Balance Transfer Intro APR:
0%* intro on BTs for 12 billing cycles
Regular APR:
13.99% - 23.99%* (Variable)
Terms and Restrictions Apply | Rates and Fees

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The information about the U.S. Bank Cash+ Visa Signature Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.


U.S. Bank Cash+™ Visa Signature® Card: Details and benefits

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.

Each quarter, you can pick two categories from a list of 12 to earn 5 percent cash back in 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 (gas stations, grocery stores and restaurants) to earn 2 percent cash back in; all other qualifying purchases earn 1 percent cash back.

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

  • TV, Internet & streaming services
  • Fast food
  • Cell phone providers
  • Department stores
  • Home utilities
  • Select clothing stores
  • Electronics stores
  • Sporting goods stores
  • Movie theatres
  • Gym/fitness centers
  • Furniture stores
  • Ground transportation

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 and you won’t have to pay an annual fee.

The zero percent APR balance transfer offer for 12 billing cycles is nice (15.49 percent – 24.99 percent variable after that), but it comes with a 3 percent balance transfer fee, which can eat away at your savings.


  • No annual fee
  • 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 debt to this card.

Is the U.S. Bank Cash Visa Signature worth it for you?

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

Get the most value from the U.S. Bank Cash Visa Signature

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.

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 percent cash back.

How much are the U.S. Bank Cash Visa Signature rewards worth?

If you spend $2,000 a quarter in the 5 percent category, $1,000 a quarter in the 2 percent category and $500 a quarter in the 1 percent category (effectively maxing out the 5 percent category), you’ll have earned around $500 worth of cash back at the end of 12 months.

When you include the $150 bonus you’ll obtain after spending $500 in eligible net purchases within the first 90 days of account opening, you’ll have earned around $650 worth of cash back by the end of your first year.

How to redeem rewards

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