U.S. Bank Cash+™ Visa Signature® Card review

Finder experts pick U.S. Bank Cash+™ Visa Signature® Card as a 2021 best product for credit cards.

How to apply for the U.S. Bank Cash+™ Visa Signature® Card

1. Go to the provider's site and click Apply now.
2. Complete the application with your personal details.
3. Review and submit your application.

• See screenshots of the application form

  

  

How long will it take to get my U.S. Bank Cash+™ Visa Signature® Card?

Automated preapproval means that you’ll likely get a decision within a minute. If additional information is needed, U.S. Bank will send you a response within a few business days to a few weeks.

Once approved, expect your card to arrive in the mail within seven to 10 business days.

The perks

• Signup bonus.

  Get a $150 cash back bonus once you spend $500 in your first 90 days of card membership. Competitor cards offer the same bonus amount but you need to spend from $1,000 to $1,500 to claim it.

• Cash back.

  Earn 5% cash back on up to $2,000 each quarter you activate in combined purchases in two categories of your choice, after that you get 1% back. You also earn 2% back on one category like gas or groceries, and 1% back on everything else you buy. Redeem cash back as a statement credit or as a deposit made to your U.S. Bank savings, checking or money market account. Alternatively, get your cash back as a U.S. Bank rewards card.

• Intro APR period on balance transfers.

  Enjoy a 0% intro APR period on balance transfers for the first 12 months following your account opening for transfers completed within 60 days of card membership. After that, a variable APR of 13.99% to 23.99% will apply.

• No annual fee.

  You get this card without paying an annual fee.

U.S. Bank Cash+™ Visa Signature® Card cashback rewards calendar

You’ll also like …

• Visa Signature benefits.

  Get travel and emergency assistance services and Visa Concierge to help you with travel plans, dining reservations and special event bookings. Also take advantage of the Visa Signature Luxury Hotel Collection.

• No penalty APR.

  This is one of the rare credit cards where you only pay fees for late or returned payments. With other cards, you’ll pay the fee plus you could get a penalty APR of up to 30% for a single late or returned payment. In some cases the penalty APR lasts indefinitely.

• Digital payments.

  You can use Apple Pay, Samsung Pay, Google Pay, Microsoft Wallet, Fitbit Pay, Garmin Pay and Visa Checkout to pay with a touch, tap or click.

Compare similar cashback credit cards

Sort by:

Name	Product	Filter values	Rewards	Purchase APR	Annual fee
Blue Cash Preferred® Card from American Express			6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases	0% intro for the first 12 months (then 13.99% to 23.99% variable)	$0 intro annual fee for the first year ($95 thereafter)	Apply now View details	Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Terms apply, see rates & fees	Compare	loading Fetching your data...
Blue Cash Everyday® Card from American Express			2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases	0% intro for the first 15 months (then 13.99% to 23.99% variable)	$0	Apply now View details	This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn $200 after you spend $1,000 in the first 3 months. Terms apply, see rates & fees	Compare	loading Fetching your data...
Chase Freedom Unlimited®			5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases	0% intro for the first 15 months (then 14.99% to 23.74% variable)	$0	Apply now View details	This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.	Compare	loading Fetching your data...

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What to watch out for

• You must keep enrolling in cash back categories.

  Each quarter, you must go online and register which categories you want to earn 5% and 2% cash back in. You can enroll 45 days before the beginning of or during each quarter. If you don’t, you’ll earn 1% back on these categories.

• Potentially high APR.

  If you have a weaker credit history, you may be given a higher interest rate of 23.99% variable.

• Foreign transaction fees.

  When you travel abroad, you’ll pay 2% fee for each transaction made in US dollars and 3% fee for foreign currency transactions.

• Balance transfer limits.

  To use the intro APR period, you must complete all balance transfers within 60 days of card membership.

Best cashback credit cards with no annual fee

How does a balance transfer work with this card?

Complete your balance transfers within 60 days of card membership to get the 0% intro APR period for 12 months following your account opening. A variable APR of 13.99% to 23.99% will apply after that.

Each balance transfer will cost you $5 or 3% of the transaction, whichever is greater. This means you’ll pay a $90 fee for a $3,000 balance transfer.

You can call U.S. Bank using the number on the back of your card or log on to your online account to initiate a balance transfer. It can take up to two weeks for your balance transfer request to be fully processed. Make sure to continue making payments to the account you’re transferring from until the transfer finishes.

What should I know before I apply?

You must be at least 18 years old and a US citizen.

You’ll also need to provide personal information, such as:

• Your full name and contact information.
• Your residential status.
• Your annual income and employment information.
• Your Social Security number.

What credit score do I need?

Apply with a good to excellent credit score of 670 or higher. To increase your chance of approval, get a low APR and a higher credit limit make sure to apply with a high credit score and low credit utilization.

U.S. Bank Cash+™ Visa Signature® Card reviews and complaints

U.S. Bank earns B rating from the Better Business Bureau, which accredited it in 1970. The U.S. Bank customer reviews at BBB mostly complain about poor customer service for the bank in general.

As for the card, users are generally happy with the cashback rate on rotating categories, but they claim the categories are restrictive. Some even complain that the merchants where they often shop don’t qualify for the higher cash back.

I got the card. Now what?

• Download the U.S. Bank mobile app. Use it to make payments, send money, monitor your accounts, find a nearby ATM and more.
• Avoid interest. Your due date is between 24 and 30 days after the close of each billing cycle. Pay your balance before that to avoid paying interest.
• Avoid fees. You’ll pay up to $40 fee for late payments and up to $40 for returned payments. Balance transfers and cash advances also come with fees.
• Customer service. Contact U.S. Bank at 800-872-2657 if you have questions, or reach them with the U.S. Bank mobile app.

Bottom line

This can be a decent card if you spend up to $2,000 every three months on purchases from specific categories. Furthermore, you get a long intro APR period on balance transfer to help you move balances from other non-U.S. Bank accounts and to pay them without interest.

However, if you usually spend more than $8,000 per year — or if you don’t spend much in the categories offered by U.S. Bank — a flat cashback card could be a better choice.

Check out other credit cards that offer cash back and compare your options to find the best card for your needs.
Top 5% cashback credit cards

Frequently asked questions

• Does the card have a signup bonus?

  Yes. Once you spend $500 in the first 90 days of your account opening, you’ll get $150 bonus cash back.

• If I qualify for the signup bonus, when will I receive it?

  You’ll receive your bonus within six to eight weeks. It’ll be credited to your rewards balance.

• What is Visa Signature® card?

  Visa Signature® cards offer more benefits than Visa traditional cards, including concierge service, travel assistance and insurance and more.

• Does the card have an annual fee?

  No, the card has no annual fee.

• Does my cash back expire?

  Yes. Unused cashback rewards will expire 36 months after you earn them.

Images: USBank.com