The U.S. Bank Cash+® Visa Signature® Card is perfect for individuals who want to maximize cash back earnings with flexibility. With customizable cashback categories, this card offers a tailored experience that suits a variety of spending profiles.
Alongside rewards, it delivers fraud protection, secure transactions, and international acceptance, making it a complete option for users who prioritize convenience and financial efficiency.
Curious about how to personalize your rewards? Keep reading to explore all the features and benefits of the U.S. Bank Cash+® Visa Signature® Card.
Meet the Issuer
U.S. Bank is one of the largest financial institutions in the United States, offering a wide range of consumer banking services. The Cash+® Visa Signature® card is a standout product for its unique customizable cashback program.
This card allows users to choose their top spending categories to maximize returns, creating a personalized approach to rewards. From groceries to streaming services, the card adjusts to your lifestyle.
This level of flexibility and user control makes it an excellent choice for those who want their credit card to adapt to their financial habits.
Main Benefits of the Card
Customized Cashback: Earn 5% cashback on up to $2,000 in combined purchases each quarter in two categories of your choice. Also receive 2% cashback on one everyday category and 1% on all other purchases.
Welcome Bonus: Get a $200 bonus after spending $1,000 on eligible purchases within the first 120 days of account opening.
No Annual Fee: Enjoy all the benefits of the card without any annual charges.
0% Intro APR: Introductory 0% APR on purchases and balance transfers for the first 15 billing cycles. Afterward, a variable APR between 18.49% and 28.74% applies.
Visa Signature Benefits: Includes travel and emergency assistance, card replacement, and fraud protection with zero liability.
Rewards Center Access: Redeem rewards, access exclusive offers, and manage your cashback categories through the U.S. Bank Rewards Center.
U.S. Bank Cash+ Signature: Fees and Commissions
There is no annual fee for the U.S. Bank Cash+® Visa Signature® Card, allowing you to enjoy the perks without added cost. The card also features a 0% introductory APR on both purchases and balance transfers for the first 15 billing cycles. Once the intro period ends, the APR becomes variable between 18.49% and 28.74%, depending on your credit profile.
Keep in mind that these terms may change over time. For the most accurate and up-to-date information, visit the official U.S. Bank website.
Card Limit
The initial credit limit is determined based on your credit score, income, and financial history. Responsible use may qualify you for periodic credit line increases.
Higher credit limits can improve your purchasing power and credit utilization ratio, which may positively impact your credit score over time.
Positive points
- Custom Cashback:Tailor your rewards to match your spending habits and maximize your cash back.
- Attractive Welcome Bonus:Receive $200 after spending just $1,000 in the first 120 days.
- No Annual Fee:Enjoy benefits without paying a yearly fee.
Negative points
- 5% Cashback Limit:The 5% rate applies only to the first $2,000 spent per quarter in selected categories.
- Quarterly Category Selection:You must actively choose cashback categories every quarter, which may be inconvenient.
- Foreign Transaction Fee:3% surcharge applies to purchases made outside the U.S.
How to Apply for U.S. Bank Cash+ Signature Credit Card
Ready to personalize your cashback experience? Follow these steps to apply:
- Visit the official U.S. Bank website
- Navigate to the credit cards section
- Select the Cash+® Visa Signature® Card
- Click “Apply Now” to begin the application process
- Fill out the form with your personal and financial information
- Review your application and submit it for approval
- Once approved, the card will be mailed to your address
How to Contact U.S. Bank Cash+ Signature
- Phone: 1-800-285-8585
- Live Chat: Available on the official website
- Mobile App Support: Manage your account on the go
- Email: Accessible through secure online banking
The U.S. Bank Cash+® Visa Signature® is ideal for anyone seeking flexible, personalized cashback rewards. If you’re looking to align your credit card with your lifestyle, this could be the perfect choice. Apply now and start turning your everyday purchases into valuable cash back.