Looking for a credit card that adapts to your lifestyle instead of forcing you into preset categories? The U.S. Bank Cash+® Visa Signature® Card gives you the power to choose where you earn the most. With customizable cash back categories and strong financial features, this card is designed to reward you for how you actually spend.
More than just a cash back card, the Cash+® Visa Signature® Card offers zero annual fees, a generous introductory APR on purchases and balance transfers, and practical protections like cell phone coverage and fraud liability. Whether you’re managing monthly bills or planning for big-ticket purchases, this card helps you stay in control of your finances without unnecessary fees or complications.
U.S. Bank Cash+® Visa Signature® Card
Up to 5% cash back 0% introductory APRU.S. Bank Cash+® Visa Signature: Enjoy Smart Benefits That Work for You
- Customizable 5% Cash Back
Each quarter, select two categories where you’ll earn elevated cash back—ideal for adapting to your changing needs throughout the year. - 2% Cash Back on Everyday Essentials
Pick one everyday category—such as gas stations, grocery stores, or restaurants—and earn consistent cash back all year long. - 1% Unlimited Cash Back on Other Purchases
Earn steady rewards on everything else you buy, with no caps or limits. - Intro APR on Purchases and Balance Transfers
Pay off new purchases or consolidate existing debt with an introductory APR that offers more time and flexibility. - No Annual Fee
Enjoy all the rewards without worrying about a yearly cost just to carry the card. - Bonus Cash Opportunity
Receive a welcome cash bonus after meeting the minimum spending threshold within the first few months of opening the account. - Travel and Online Shopping Perks
Earn extra cash back on prepaid travel (airfare, hotels, car rentals) when booked through the U.S. Bank Rewards Center. Plus, unlock bonus rewards at over 1,100 retailers when you shop online using the Shopping Deals platform or browser extension. - Flexible Redemption Options
Redeem your cash back as a statement credit, a rewards card, or direct deposit into your U.S. Bank account—your rewards, your way. - Cell Phone Protection
Get peace of mind knowing your device is covered for damage or theft when you pay your wireless bill with the card. - Purchase Protection and Fraud Coverage
Benefit from extended warranty, purchase security, and zero liability for unauthorized charges. - Access to U.S. Bank ExtendPay® Plans
Split large purchases into manageable payments with no surprise fees—available within the first 60 days for new cardmembers.
Fees and Rates: What to Expect
- Intro APR: 0% APR on purchases and balance transfers for a promotional period after account opening.
- Ongoing APR: A variable rate applies based on your creditworthiness and market conditions.
- Balance Transfer Fee: A fee is charged for each transfer, even during the intro period.
- Cash Advance APR: Higher variable APR applies for cash advances.
- Foreign Transaction Fee: Applies to purchases made outside the U.S.
- Late/Returned Payment Fees: Charges may apply for missed or returned payments.
- Minimum Interest Charge: A small interest charge may apply if a balance is carried.
- Annual Fee: $0—completely waived.
Eligibility and How to Apply
To be eligible for the U.S. Bank Cash+® Visa Signature® Card, you typically need:
- A good to excellent credit score
- A reliable income source
- Valid Social Security number and U.S. residency
- Minimum age of 18 (or 19 depending on your state)
How to Apply
Applying is fast, secure, and done entirely online through the U.S. Bank website. Just fill out your personal and financial information and submit the form. Most applicants receive a decision within minutes, allowing you to start using your new card—or planning your next big move—right away.
Final Thoughts: Why This Card Deserves a Spot in Your Wallet
The U.S. Bank Cash+® Visa Signature® Card is more than just a rewards card—it’s a customizable financial tool built to help you earn smarter and spend more intentionally. With the ability to choose your top-earning categories, enjoy travel and online shopping perks, and access flexible payment options, this card gives you real control without added cost.
Whether you’re looking to boost your everyday earnings or take advantage of a generous intro APR, the Cash+® Card fits seamlessly into your lifestyle. It’s flexible, rewarding, and focused on helping you make the most of your money.
