U.S. Bank Cash+TM Visa Signature® Card U.S. Bank Cash+<sup><small>TM</small></sup>  Visa Signature® Card
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U.S. Bank Cash+TM Visa Signature® Card Review

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Rating:
Bottom Line:
Get cashback on what you want with this flexible card; $100 bonus opportunity; plus a 12-month 0% APR on balance transfers

Full Review:
The U.S. Bank Cash+TM Visa Signature® Card is the perfect card for those who want more control over their cash back rewards because users get to choose and change their cash back categories every quarter. In addition, the U.S. Bank Cash+TM Visa Signature® Card has no annual fee and offers a $100 intro bonus opportunity.

U.S. Bank Cash+TM Visa Signature® Card holders get 5% back on their first $2,000 spent on purchases each quarter in the combined 2 categories they select (e.g., department stores and restaurants). They'll also get 2% back in 1 everyday category they choose, like gas or groceries, and 1% on everything else. Similar to other credit cards with rotating categories, you're required to choose your categories each quarter, so you'll want to make sure you sign up for the free email/text messages that remind you to enroll. If you forget to choose your categories for that quarter, all your purchases will default to earning a standard 1% cash back.

The U.S. Bank Cash+TM Visa Signature® Card also offers a $100 intro bonus that you can earn after spending $500 on purchases in the first 90 days - a nice 20% cash back on the first $500 you spend! Earned rewards can be redeemed as a statement credit, rewards card or deposit made to your U.S. Bank savings, checking or money market account. On top of that, the U.S. Bank Cash+TM Visa Signature® Card has a 12-month 0% intro APR on balance transfers made within 60 days of account opening (note there's a balance transfer fee of 3% or $5, whichever is greater).

If you're someone who wants more choices in which purchases earn the most cash back, the U.S. Bank Cash+TM Visa Signature® Card is a great pick for you.

Highlights From U.S. Bank
  • You Choose Your Cash Back: 5% on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose, 2% on one everyday category (like gas or groceries), 1% on all other eligible net purchases.
  • New Cardmember bonus: $100 after you spend $500 in eligible net purchases in the first 90 days you have the card.
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 14.99% - 23.99%.
  • Unlimited cash back.
  • No annual fee.
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017.

Rewards
  • New Cardmember bonus: $100 after you spend $500 in eligible net purchases in the first 90 days you have the card.
  • Earn 5% on two categories you chose - department stores, restaurants, airlines… plus many more!
  • Earn 2% on gas, groceries or drug stores - choose one.
  • Earn 1% cash back on all other purchases.

Redeem Rewards
  • Redeem your cash back rewards online, over the phone or in person at a U.S. Bank branch.
  • No minimum redemption - redeem your cash back at any time in any amount when redeeming to checking, savings or statement credit.

Fees and APR
  • Annual Fee: $0
  • Purchase APR: 14.99% - 23.99% (Variable), depending on credit history.
  • Balance Transfer APR: 0% for first 12 months for balances transferred within 60 days from account opening, then Purchase APR.
  • Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.


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Card Details

Features:$100 cash back after you spend $500 on purchases within first 90 days; 5% cash back on your first $2K in combined purchases each quarter in 2 categories you choose; 2% back on 1 category you choose; 1% cash back on everything else
Purchase APR:14.99% - 23.99% (Variable)
Balance Transfer APR:0% for 12 months, then 14.99% - 23.99% (Variable)
Annual Fee:$0
Credit Needed:Excellent

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