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

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Rating:
Bottom Line:
Get cashback on what you want with this flexible card; $150 bonus opportunity; plus a 12-month 0% APR on balance transfers

Full Review:
The U.S. Bank Cash+  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 $150 intro bonus opportunity.

U.S. Bank Cash+  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+  Visa Signature®  Card also offers a $150 intro bonus that you can earn after spending $500 on purchases in the first 90 days - a nice 30% 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+  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+  Visa Signature®  Card is a great pick for you.

Highlights From U.S. Bank
  • New Cardmember bonus: $150 after you spend $500 in eligible net purchases in the first 90 days of account opening.
  • 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose.
  • 2% cash back on your choice of one everyday category, like gas or groceries.
  • 1% cash back on all other eligible net purchases.
  • No limit on total cash back earned.
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 15.24% - 24.24%
  • 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 5.5% the first year on your first $2,000 in eligible purchases each quarter on the combined two categories you choose department stores, restaurants, airlines… plus many more. Thereafter, earn 5%.
  • Earn 2.5% the first year on your choice of one everyday category (i.e. gas or groceries). Thereafter, earn 2%.
  • Earn 1.5% the first year on all other eligible net purchases. Thereafter, earn 1%.

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: 15.24% - 24.24%* (Variable), depending on credit history.
  • Balance Transfer APR:0%* intro on BTs for 12 months, then 15.24% - 24.24%* (Variable)
  • Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
  • *Terms and Conditions


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Card Details

Features:$150 back after spending $500 on purchases in first 90 days; 5% on first $2K in combined purchases each quarter in 2 categories you choose; 2% on 1 category of choice; 1% back on everything else.
Purchase APR:15.24% - 24.24%* (Variable)
Balance Transfer APR:0%* intro on BTs for 12 months for transfers made in the first 60 days, then 15.24% - 24.24%* (Variable)
Annual Fee:$0*
Credit Needed:Excellent

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