U.S. Bank Cash+® Visa Signature® Card Review

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ByGrace Pilling
ByGrace Pilling

Updated: June 12, 2024

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U.S. Bank Cash+® Visa Signature® Card
Credit Card logo for U.S. Bank Cash+® Visa Signature® Card
MoneyGeek Rating
4.0/ of 5

Rewards RateEarn 5% cash back on 2 categories of your choice (...
APR19.74%–29.74% variable
Annual Fee$0
Recommended Credit670–850 (Good to Excellent)

The U.S. Bank Cash+® Visa Signature® Card excels for those seeking to maximize cash back on daily and travel expenses. It offers immediate value with no annual fee and an attractive welcome bonus. Its customizable cash-back categories align with your spending habits, enhancing reward potential. The introductory APR period is a boon for managing finances, though it should be used mindfully, especially considering the variable APR after the introductory period. This card is ideal for savvy spenders who want a flexible, rewarding credit card experience.

U.S. Bank Cash+® Visa Signature® Card Overview

When selecting a credit card, it's crucial to thoroughly evaluate its features, as they can significantly influence your financial habits and overall fiscal health, both positively and negatively.

  • Rewards rate - Earn 5% cash back on the first $2,000 in selected categories each quarter, 5% cash back on direct prepaid air, hotel and car bookings through the Rewards Center, 2% cash back in a daily category such as gas stations, EV charging stations, grocery stores or restaurants and 1% cash back on all other eligible transactions
  • Welcome offer - Earn a $200 bonus after spending $1,000 on eligible purchases within the first 120 days
  • Regular APR - 19.74%–29.74% (variable)
  • Annual fee - $0
  • Intro APR offer - 0% Intro APR on purchases and balance transfers for the first 15 billing cycles, then variable APR of 19.74%–29.74% after that

Important Card Details

In evaluating the features of the U.S. Bank Cash+® Visa Signature® Card, consider the opportunities and responsibilities each brings. From its fee structure to rewards and interest rates, each aspect offers unique advantages and challenges that can impact your financial journey.

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    Fees

    The U.S. Bank Cash+® Visa Signature® Card has no annual fee. For many, this lack of yearly financial commitment can be a breath of fresh air, especially when comparing with other premium cards that often come with hefty charges. By not having to fork over a fee each year, you're already saving money, making it easier to enjoy the card's other benefits without feeling the pinch.

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    Cash Back

    The cash back rewards of this card are notably generous. Most striking is the 5% cash back on the first $2,000 in selected categories each quarter. This allows for potential savings of up to $400 annually just from this perk. Additionally, the 5% cash back on direct travel bookings amplifies savings, especially for regular travelers. With an added 2% on daily essentials and 1% on other eligible purchases, your regular spending can accumulate significant rewards over time, turning everyday shopping into genuine savings.

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    0% Intro Offer

    Balance transfers can be a strategic move, especially if you're dealing with existing credit card debt. The 0% intro APR on balance transfers for the first 18 billing cycles is a compelling feature. This essentially gives you a year and a half to pay off transferred balances without accruing extra interest, offering a golden window for debt management and reduction. However, after this period, it's crucial to be aware of the regular APR, which can range between 19.74%–29.74%.

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    Other Perks

    Beyond the primary rewards, this card's regular APR, while variable, is in line with many premium cards on the market. The range suggests that those with better credit scores might enjoy rates on the lower end, making it more manageable for any carried balances after the intro period. Plus, the $200 bonus after a reasonable spending of $1,000 in the initial 120 days is a warm welcome gesture, putting money right back into your pocket as you begin your journey with the card.

How the U.S. Bank Cash+® Visa Signature® Card Compares

In this comparison, we'll examine the distinct features and benefits of the U.S. Bank Cash+® Visa Signature® Card with another popular credit card, offering insights to help you determine which aligns best with your financial needs and spending habits.

How This Card Compares

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U.S. Bank Cash+® Visa Signature® Card

  • Rewards rate: Earn 5% cash back on the first $2,000 in selected categories each quarter, 5% cash back on direct prepaid air, hotel and car bookings through the Rewards Center, 2% cash back in a daily category such as gas stations, EV charging stations, grocery stores or restaurants and 1% cash back on all other eligible transactions
  • Welcome offer: Earn a $200 bonus after spending $1,000 on eligible purchases within the first 120 days
  • Regular APR: 19.74%-29.74% (variable)
  • Annual fee: $0
  • Intro APR offer: 0% Intro APR on purchases and balance transfers for the first 15 billing cycles, then variable APR of 19.74%–29.74% after that
  • Best for: Proactive spenders seeking to maximize cash back on varied purchases, including travel, with the added benefits of an introductory APR offer and no annual fee.
creditCard1 icon

Citi Double Cash® Card

  • Rewards rate: Earn up to 2% cash back on general purchases (excludes gift cards; 1% when you make purchases, 1% as you pay off those purchases), 5% total cash back on hotel, car rentals, and attractions booked on the Citi Travel portal (for a limited time, through 12/31/24).
  • Welcome offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening (fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back).
  • Regular APR: 19.24%–29.24% (variable)
  • Annual fee: $0
  • Intro APR offer: None
  • Best for: Those seeking simple cash back rewards on everyday purchases and enhanced travel benefits through the Citi Travel portal, with the added advantage of no annual fee.

About Grace Pilling


Grace Pilling headshot

Grace Pilling was the Senior Content Manager for Credit Cards at MoneyGeek. She previously led personal finance teams at Bankrate, CreditCards.com and MoneyUnder30.

Pilling has a bachelor's degree in English from Western Sydney University and a diploma in book editing, proofreading and publishing. She is focused on empowering readers to make informed financial choices that support their best lives, not a company’s bottom line.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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