Looking for a credit card that adapts to your lifestyle? The U.S. Bank Cash+® Visa Signature® Card puts you in control, allowing you to choose where you earn the most — with up to 5% cash back, no annual fee, and a strong welcome bonus. Whether you spend on streaming, dining, gas, or utilities, this card lets you customize your rewards like no other.
What Is the U.S. Bank Cash+® Card?
The Cash+® Visa Signature® is a highly customizable cash back credit card that allows you to:
- Choose two 5% cash back categories each quarter (on up to $2,000 combined spend)
- Choose one 2% cash back category that stays active year-round
- Earn 1% cash back on all other purchases
This flexibility makes it one of the most powerful no-annual-fee cards for users who spend strategically.
Key Features and Benefits
5% Cash Back in Two Categories of Your Choice
Each quarter, you can choose two categories to earn 5% cash back on up to $2,000 in combined purchases. Popular options include:
- Streaming services
- Home utilities
- Fast food
- Department stores
- Select clothing stores
- Movie theaters
- Cell phone service providers
- Ground transportation
You can update your selections every quarter to align with your changing spending habits.
2% Cash Back on One Everyday Category
Choose one constant category to earn 2% cash back year-round, such as:
- Grocery stores
- Gas stations
- Restaurants
1% Unlimited Cash Back on Everything Else
All other purchases earn 1% back automatically, with no limits or exclusions.
$200 Welcome Bonus
Earn a $200 cash rewards bonus after spending $1,000 in eligible purchases within the first 120 days of account opening — a longer window than most competitors.
$0 Annual Fee
Enjoy robust rewards and benefits with no annual fee, making this card a long-term keeper.
0% Intro APR on Balance Transfers
- 0% introductory APR for 15 billing cycles on qualifying balance transfers
- A variable APR applies after that
- Transfers must be made within 60 days of account opening (3% fee applies)
Flexible Redemption Options
You can redeem your rewards as:
- Statement credits
- Direct deposits into a U.S. Bank checking or savings account
- Gift cards or travel through the U.S. Bank Rewards Center
Rewards never expire as long as your account is active.
Visa Signature® Benefits
Includes premium perks such as:
- Extended warranty protection
- Auto rental collision damage waiver
- Travel and emergency assistance services
- Roadside Dispatch®
- Concierge services and exclusive Visa Signature events
Things to Consider
- Quarterly activation is required: You must select your 5% and 2% categories each quarter to earn higher rewards. Otherwise, you’ll default to 1%.
- $2,000 cap per quarter on 5% categories: Once you reach the combined limit, earnings drop to 1%.
- No foreign transaction fee waiver: A 3% fee applies to international purchases — not ideal for overseas use.
- No travel transfer partners: This is a pure cashback card — it does not support airline or hotel point transfers.
How to Apply for the U.S. Bank Cash+® Visa Signature® Card
1. Go to usbank.com
Find the Cash+® Card under the “Cash Back Credit Cards” section.
2. Review Categories and Terms
Check the current list of 5% and 2% categories, intro APR offer, and redemption rules.
3. Click “Apply Now”
Submit your secure application with personal, employment, and financial details.
4. Wait for Approval
Most applicants receive a quick decision, and your card typically arrives within 5–10 business days if approved.
Conclusion: Is the U.S. Bank Cash+® Card Worth It?
Absolutely — especially for users who want control over their cash back strategy.
With customizable 5% and 2% categories, a $200 bonus, 0% intro APR, and no annual fee, the Cash+® Card is one of the most flexible and rewarding flat-rate cash back cards in the U.S.
Perfect for:
- Strategic spenders who plan purchases
- Households with recurring utility, dining, or entertainment expenses
- People who want premium value with zero annual cost
Apply now and earn cash back your way — with total control, zero fees, and maximum flexibility.
