U.S. Bank Cash+™ Visa Signature® Card

APPLY NOW
  • Earn a new cardmember bonus of $100 after you spend $500 in net purchases on your card within the first 90 days of account opening.
  • 5% cash back on your first $2,000 in combined net purchases each quarter on two categories you choose*.
  • 2% cash back on your choice of one everyday category (like gas or groceries)*.
  • 1% cash back on everything else*.
  • No limit on total cash back.
  • No annual fee*.
  • Subject to credit approval.
Annual Fee:
$0
Purchase Intro APR:
N/A
Purchase Regular APR:
13.24% - 23.24%*
Variable
Balance Transfer Intro APR:
0%*
(12 Billing Cycles)
Balance Transfer Regular APR:
13.24% - 23.24%*
Variable

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 24.24%
Cash Advance Fee 4%, Min: $10
Late Fee Up to $37
Penalty APR N/A
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee Up to 3%
Return Payment Fee Up to $35

Rewards

Sign-Up Bonus

Earn $100 after you spend $500 in 3 months.

All Purchases

1% cash back per dollar

No cap on spending

Gas

2% cash back per dollar

2% cash back on your choice of one everyday category (like gas or groceries)*

Groceries

2% cash back per dollar

2% cash back on your choice of one everyday category (like gas or groceries)*


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
birons247
Approved for 5K
by birons247
Helpful to 2 out of 2

I've had my checking and savings with US Bank for about a year and a half. I applied for Cash Plus card at a branch; was given the 7-10 day message. They pulled TU Fico, which was 697. I had 2% utlilization, a couple baddies that are paid. Took about 3 or 4 days for the final approval. I read that they automatically consider you for the lower tier card if you are denied the cash plus; I was approved outright for the cash plus. Received the card pretty quickly; it was visible online before it came in the mail. You must activate the catagory you wish to have the cash back count towards; I chose electronics and made a purchase at Best Buy, which was credited pretty quick to my rewards at 5%. Am happy with the card, was no sign up bonus or intro APR, with the exception of balance transfer.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
ZHGWU
Keep away from usbank
by ZHGWU

Low approve limit: $500 compared with my other credit cards from $5000 to $10000+. I dont know what usbank was thinking.

Hold my money: because of the low limit I over pay it to do large purchase at black Friday. It hold my money for one week! Now it's Sunday I still cannot use the money which was taken from my checking account several days ago.

They just dont want lose money, they lost customers.


Our Take

The U.S. Bank Cash+™ Visa Signature® Card offers an impressive variety of cash back bonuses, making it a good choice for consumers with excellent credit.

What to Like

The U.S. Bank Cash+™ Visa Signature® Card lets you choose from several rewards categories. You get 5% cash back on your first $2,000 in combined spending each quarter for two categories that you select, and 2% cash back in one everyday category (like gas or groceries) of your choice.

Look Out For

There is no intro APR on purchases, and interest rates on purchases and balance transfers can start as high as 23.24%, depending on your credit. There’s also a $5 or 3% (whichever is greater) balance transfer fee as well as foreign transaction fees.

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2016 through November 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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