U.S. Bank Cash+™ Visa Signature® Card

Approval Odds

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3.6 out of 5 stars
5 Reviews

From Cardholders in the last year

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ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

3 out of 5 stars

Customer Service

3.5 out of 5 stars

3.5 5
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These reviews were written by current and former cardholders in the last year.

Mar 01, 2017
Nothing great about this card
ZenReview Cardholder

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

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Nov 26, 2016
Keep away from usbank
ZHGWU Cardholder

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.

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Sep 26, 2016
Great for "Everyday" Use!
Aveah Cardholder

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 :)

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Jun 16, 2016
Approved for 5K
birons247 Cardholder

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.

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May 23, 2016
A Mere Shell of It's Former Glory
jconwuem Cardholder

I applied for this card for four reasons which were the 5% cash back on restaurants, 5% cash back on fast food, the $25 gift card everytime you redeemed $100 in cash rewards and the fact that there is no annual fee. Now two of the four reasons I chose this card are still active and that is the only reason I kept the card (no annual fee and 5% cash back on fast food). Honestly had it not been for the 5% on restaurant I wouldn't have applied for this card, but it was good while it lasted. Now it is a decent card every once in a while when I pay for an annual gym membership or intend to spend a lot of money on furniture. Other than that I use it to pay for my cellular phone or when I rarely have to settle for fast food (both of which get 5% cash back when the category is set). Overall it is a good card if you can bare to wait in a physical US Bank to do the application. I plan to keep the card unless they implement a annual fee, however I will not use it often.

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U.S. Bank Cash+™ Visa Signature® Card