The U.S. Bank Cash+® Visa Signature® Card is built around your lifestyle—not the other way around. It lets you choose two categories each quarter where you earn the most cash back, whether that’s streaming services, utilities, or department stores. You also get extra rewards on everyday purchases like groceries, gas, or dining, giving you the freedom to earn on what matters most to you.
This card goes beyond rewards by offering a generous intro APR on purchases and balance transfers, along with no annual fee—so you get flexibility without added cost. Whether you’re planning a large expense or just want to maximize what you already spend, the Cash+® Card helps you stay in control and get more out of your money.
U.S. Bank Cash+® Visa Signature® Card
Up to 5% cash back 0% introductory APREnjoy Custom Rewards and Smart Features
- Choose Your 5% Categories
Get 5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you select—like home utilities, department stores, or streaming services. - 2% Cash Back on Daily Spending
Pick one everyday category—gas stations, restaurants, or grocery stores—and earn 2% back, all year round. - 1% Back on Everything Else
All other eligible purchases earn 1% unlimited cash back with no restrictions. - Bonus Cash Offer
Earn a welcome bonus when you meet the minimum spending requirement in the first few months after opening your account. - Intro APR on Purchases and Balance Transfers
Enjoy a 0% introductory APR for purchases and balance transfers made within the promotional window—great for big expenses or consolidating balances. - No Annual Fee
There’s no cost to carry this card, so you can focus on earning rewards—not paying to access them. - Purchase and Fraud Protection
Benefit from zero liability for unauthorized charges and 24/7 fraud monitoring for peace of mind. - Track Your Credit Health
Get free access to your credit score through your online account—an easy way to stay on top of your financial progress.
U.S. Bank Cash+® Visa Signature® Card: Extra Perks That Add Real Value
Beyond customizable cash back, the U.S. Bank Cash+® Visa Signature® Card offers valuable extras that enhance everyday spending. Earn elevated cash back on prepaid travel bookings—such as flights, hotels, and car rentals—when reserved through the Rewards Center. You can also boost your earnings on online shopping thanks to exclusive bonus offers from over 1,100 retailers, whether you shop through the Rewards Center or use the browser extension.
Redemption is just as flexible as the rewards you earn. Choose to receive your cash back as a statement credit, a rewards card, or direct deposit into your U.S. Bank checking or savings account. Plus, for added payment flexibility, new cardmembers can take advantage of special offers on ExtendPay® Plans, giving you the option to split larger purchases into predictable monthly payments—with no hidden surprises.
Fees and Rates: What to Expect
- Intro APR: 0% on purchases and balance transfers for the first 15 billing cycles (balance transfers must be made within 60 days)
- Standard APR: Variable APR applies after the intro period, based on creditworthiness
- Balance Transfer Fee: Applies per transfer, including those made during the intro period
- Cash Advance APR: A higher variable rate applies for cash advances
- Foreign Transaction Fee: A fee applies to purchases made outside the U.S.
- Late/Returned Payment Fees: May be charged if a payment is missed or declined
- Minimum Interest Charge: Applies if you carry a balance
- Annual Fee: $0
Eligibility and How to Apply
Who Can Apply
If you’re looking to take full advantage of this customizable cash back card, you’ll need to meet a few basic criteria. Most approved applicants have a good to excellent credit score, showing a strong history of responsible borrowing. In addition, having a reliable source of income is essential, as it demonstrates your ability to manage monthly payments confidently.
To apply, you must also be a U.S. resident with a valid Social Security number and meet the minimum age requirement—typically 18 years old, or 19 in certain states. These guidelines help ensure you’re well-positioned to benefit from the card’s rewards and features without added financial stress.
How to Apply
Getting started with the U.S. Bank Cash+® Visa Signature® Card is easy and entirely online. Head over to the official U.S. Bank website, where you’ll find a secure application form. You’ll be asked to provide some basic personal and financial details—such as your income, housing status, and employment information.
Once submitted, most applicants receive a decision within minutes, so you can move forward quickly. Whether you’re planning for a large purchase or looking to maximize your everyday spending, applying for this card is a smooth and straightforward process from start to finish.
Final Thoughts: Why This Card Deserves a Spot in Your Wallet
The U.S. Bank Cash+® Visa Signature® Card brings a fresh level of control to cash back. You choose your top earning categories, enjoy no annual fee, and get an intro APR period to ease into big purchases or debt repayment. It’s not just a credit card—it’s a flexible rewards solution that adjusts to your lifestyle.
Whether you’re a planner or just want more from your everyday purchases, this card delivers practical perks without the fluff. Ready to take advantage of a card that puts you in charge? The U.S. Bank Cash+® Visa Signature® Card is an excellent place to start.
