U.S. Bank Cash+® Visa Signature® Card

Quick Snapshot

• Annual Fee: $0
• APR: 0% intro for 15 billing cycles, then variable
• Rewards: 5% on two custom categories (up to $2,000/quarter), 2% on one everyday category, 1% everything else
• Bonus: $200 after $1,000 spend in 90 days
• Best For: Flexible rewards seekers, category customizers, utility/cell phone bill payers
• Credit Needed: Good to Excellent (670+)

Overview

The U.S. Bank Cash+ Visa Signature Card is one of the most flexible cash back cards available, putting you in control of your rewards. Each quarter, you choose two 5% cash back categories and one 2% category from a robust list of options—including utilities, cell phone providers, streaming services, fast food, department stores, and more. With no annual fee, a $200 welcome bonus, and 0% intro APR for 15 billing cycles, this card adapts to your spending patterns.

What makes the Cash+ truly unique is its category selection flexibility. Unlike rotating category cards that dictate what earns 5%, you select the categories that match your spending each quarter. Pay your electric bill and cell phone with this card? That's 5% cash back. Stream services and buy sporting goods? 5% there too. This customization, combined with a generous $2,000 quarterly spending cap per category, makes the Cash+ one of the most rewarding no-annual-fee cards for strategic users.

APR Breakdown

• Purchase APR: 0% intro APR for the first 15 billing cycles, then variable APR applies
• Balance Transfer APR: 0% intro APR for the first 15 billing cycles, then variable APR applies
• Cash Advance APR: Variable APR applies (cash advances not eligible for intro rate)
• Penalty APR: None specified

Note: The 15-billing-cycle 0% intro APR gives you over a year to pay down purchases or transferred balances interest-free. Balance transfers carry a 5% fee ($5 minimum).

Benefits Overview

Travel Benefits

• Travel and emergency assistance services (Visa Signature)
• Auto rental collision damage waiver
• Trip cancellation/interruption insurance (Visa Signature)
• Emergency card replacement and cash disbursement worldwide
• No foreign transaction fees on international purchases (Visa Signature benefit)

Everyday Benefits

• Purchase security protection (covers theft or damage)
• Extended warranty protection (extends manufacturer's warranty)
• Return protection (for items merchants won't accept)
• Real-Time Rewards (redeem cash back via text message for instant statement credits)
• Contactless tap-to-pay for secure transactions
• Zero liability fraud protection

Lifestyle Benefits

• Flexible category selection: Choose your 5% and 2% categories quarterly
• 5% on prepaid travel: Additional 4% cash back (5% total) on prepaid air, hotel, and car reservations booked through U.S. Bank Travel Center
• Shopping Deals: Up to 5% total cash back with 1,100+ online merchants through Rewards Center
• Real-Time Rewards for instant redemptions
• Visa Signature benefits and privileges

Rewards & Cash Back

• 5% cash back on your first $2,000 in combined eligible net purchases each quarter in two categories you choose (then 1% after)
• 2% cash back on one everyday category you choose each quarter from: gas/EV charging stations, grocery stores, or restaurants
• 1% cash back on all other eligible net purchases with no limits
• Additional 4% cash back (5% total) on prepaid air, hotel, and car reservations booked through U.S. Bank Travel Center
• Up to 5% total cash back via Rewards Center Shopping Deals with 1,100+ online merchants

Choose Two 5% Categories Each Quarter:

• Fast food restaurants (perfect for quick meals and coffee shops)
• Home utilities (electric, gas, water, cable—pay bills with rewards!)
• TV, internet, and streaming services (Netflix, Hulu, internet bills)
• Department stores (Target, Macy's, Nordstrom, and more)
• Cell phone providers (Verizon, AT&T, T-Mobile monthly bills)
• Electronics stores (Best Buy, Apple Store, Microsoft Store)
• Sporting goods stores (Dick's Sporting Goods, REI, sports equipment)
• Movie theaters (AMC, Regal, Cinemark, and local theaters)
• Gyms and fitness centers (monthly gym memberships and fitness classes)
• Furniture stores (IKEA, Ashley Furniture, Wayfair)
• Ground transportation (taxis, rideshare like Uber/Lyft, parking, tolls)
• Select clothing stores (specific retailers in this category)

Choose One 2% Everyday Category Each Quarter:

• Gas stations and EV charging stations (excludes warehouse clubs)
• Grocery stores (excludes warehouse clubs, supercenters like Walmart)
• Restaurants (sit-down dining and some takeout)

Important: You must actively enroll and select your categories each quarter through your U.S. Bank account. If you don't select categories, you'll earn 1% on all purchases for that quarter. Set calendar reminders!

The $2,000 Quarterly Cap: Each quarter, you can earn 5% cash back on up to $2,000 in combined spending across your two 5% categories. That's $100 in cash back per quarter, or $400 annually. After reaching the cap, those categories earn 1% for the remainder of the quarter.

Welcome Bonus

Earn a $200 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening.

This is one of the best welcome bonuses for a no-annual-fee cash back card, requiring only a modest $1,000 spending threshold.

Fees Summary

• Annual Fee: $0
• Foreign Transaction Fee: $0 (no foreign transaction fees with Visa Signature)
• Balance Transfer Fee: 5% of transfer amount ($5 minimum)
• Cash Advance Fee: Standard fees apply
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Utility and bill payers who want 5% cash back on electric, gas, water, cable, internet, and cell phone bills
• Strategic spenders who can plan their quarterly spending to maximize 5% categories
• Streaming service subscribers who pay for Netflix, Hulu, Spotify, etc.
• Fast food and quick service diners who frequent coffee shops and casual restaurants
• Gym and fitness enthusiasts paying monthly membership fees
• Those wanting flexibility to customize rewards based on changing spending patterns
• Balance transfer needs who can use the 15-billing-cycle 0% intro APR

Not Good For

• Warehouse club shoppers (Costco, Sam's Club, BJ's excluded from 2% grocery/gas categories)
• Set-it-and-forget-it users who don't want to select categories quarterly
• Those exceeding $2,000 combined quarterly spend in 5% categories (rewards drop to 1% after cap)
• Travelers needing premium perks (no lounge access, travel credits, or elite status)
• Those wanting simple, uncapped rewards (requires quarterly category management)

Key Pros & Cons

Pros

• Exceptional flexibility to customize 5% categories based on your spending each quarter
• Strong $2,000 quarterly spending cap per category combination ($8,000 annually across both 5% categories = $400 cash back)
• Wide variety of 5% category options including utilities, streaming, cell phone, fast food, department stores, and more
• Additional 2% category option for everyday spending (gas, grocery, or restaurants)
• $200 welcome bonus with reasonable $1,000 spending requirement
• Extended 15-billing-cycle 0% intro APR on purchases and balance transfers
• No annual fee makes it accessible for all cardholders
• Bonus earning through U.S. Bank Travel Center (5% total) and Shopping Deals (up to 5%)
• No foreign transaction fees (Visa Signature benefit)
• Visa Signature travel and purchase protections included

Cons

• Requires quarterly enrollment and category selection (easy to forget if not set on calendar)
• 5% rewards capped at $2,000 combined per quarter (purchases above cap earn only 1%)
• Grocery and gas 2% category excludes warehouse clubs, supercenters (Costco, Sam's Club, Walmart)
• Variable APR after intro period can be high if carrying balances
• Category options may not align perfectly with everyone's spending patterns
• Must actively manage and track quarterly selections for maximum benefit
• Balance transfer fee of 5% applies (though this is standard)
• No airline or hotel transfer partners (cash back only)

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

If you spend $15,000 per year strategically across categories:

Total Estimated First-Year Value: $720
Total Estimated Ongoing Yearly Value: $520

This example assumes you maximize the $2,000 quarterly cap across both 5% categories and strategically select your 2% category to match your spending.

Should You Get This Card?

You Should Get It If…

• You want maximum control over which categories earn 5% cash back
• You pay recurring bills like utilities, internet, cell phone, or streaming services (earning 5% quarterly)
• You're strategic about spending and can plan purchases around your selected categories
• You want strong cash back rewards without paying an annual fee
• You need a 0% intro APR for purchases or balance transfers
• You're comfortable setting quarterly calendar reminders to select categories
• You appreciate earning 5% on niche categories like gyms, movie theaters, or furniture stores

You Should Skip It If…

• You primarily shop at warehouse clubs like Costco, Sam's Club, or BJ's (excluded from 2% categories)
• You want simple, automatic rewards without quarterly category selection
• You consistently spend over $2,000 per quarter in your chosen 5% categories (rewards drop to 1%)
• You prefer a set-it-and-forget-it cash back card with no management required
• You need premium travel benefits like lounge access or travel credits
• You're looking for 3%+ unlimited rewards without caps or category management

Apply Now

Apply for U.S. Bank Cash+ Visa Signature Card

Information accurate as of December 2025. Terms and conditions apply. Please visit the issuer's website for the most current information.