U.S. Bank Cash+™ Visa Signature® Card

Sorry, this offer is no longer available on Credit Karma.
  • You Choose Your Cash Back: 5% on your first $2,000 in combined eligible net purchases each quarter on the two categories you choose, 2% on one everyday category (like gas or groceries), 1% on all other eligible net purchases
  • New Cardmember bonus: $100 after you spend $500 in eligible net purchases in the first 90 days you have the card
  • 0% Intro APR* on balance transfers for 12 billing cycles.  After that, a variable APR currently 14.74% - 23.74% 
  • Unlimited cash back
  • No annual fee
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
Annual Fee:
$0
Purchase Intro APR:
N/A
Purchase Regular APR:
14.74% - 23.74%*
Variable
Balance Transfer Intro APR:
0%*
(12 Billing Cycles)
Balance Transfer Regular APR:
14.74% - 23.74%*
Variable

Details, Rates & Fees

Click here for Additional Details

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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 24.74%
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
Aveah
Great for "Everyday" Use!
by Aveah
Helpful to 11 out of 13

I love this card! APR is fairly high, so it's not a great idea to use for bigger purchases that may take more than a billing period to pay off. But the rewards are nice! I pay my cell phone bill with it every month to get 5% back. We use it when go out to dinner and I use it for grocery shopping and filling up both of our vehicles.

 

I haven’t had to deal with Customer Service as I have not ran into any issues, but if I ever have to, I will more than likely run into my local US Bank Branch and talk to my bank lady first as their customer service is wonderful in person.

 

I applied with a 660ish TU and 700 EQ and was instantly approved. When I first started looking into the card several months before I applied, I asked my banker lady more about it. She gave me info about the card and informed me that an applicant needed a minimum of 600 credit score to apply or they would automatically be denied. When I applied, I noticed they pulled TU report. Hope that helps anyone considering this card.

Hope that helps for any onlookers :)

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
ZenReview
Nothing great about this card
by ZenReview
Helpful to 1 out of 1

It pays the phone bills , its good for department store shoppers, other than that , i will just stick with my citi double cash


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 23.74%, 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 February 2017 through July 2017. 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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