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U.S. Bank Cash+® Visa Signature® Card Review
Home / Credit Cards / U.S. Bank Cash+® Visa Signature® Card VISA Visa Signature
U.S. Bank Cash+® Visa Signature® Card Overview Program Reviews Details Media
Foreign Transaction Fee
3%
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Category Rate Type Booking Method Cap Notes Telecom 5X Core any $2,000/quarterly 5% on select utility categories (user's choice, 2 categories per quarter) Streaming 5X Core any $2,000/quarterly 5% on TV, internet, and streaming services (user's choice) Entertainment 5X Core any $2,000/quarterly 5% on select entertainment (user's choice) Transit 5X Core any $2,000/quarterly 5% on transit (user's choice) Fitness Clubs 5X Core any $2,000/quarterly 5% on gym and fitness centers (user's choice) Department Stores 5X Core any $2,000/quarterly 5% on department stores (user's choice) Electronic Stores 5X Core any $2,000/quarterly 5% on electronics stores (user's choice) Home Improvement 5X Core any $2,000/quarterly 5% on home improvement stores (user's choice) Dining 2X Core any None 2% on one everyday category (user's choice: dining, gas, or grocery) Gas Stations 2X Core any None 2% on one everyday category (user's choice: dining, gas, or grocery) Grocery Stores 2X Core any None 2% on one everyday category (user's choice: dining, gas, or grocery) All Other 1X Base any None 1% on all other purchases
Program & Transfers
Currency: Cash back dollars
Point Value: 1 cpp
Range: 1–1 cpp
Reviews & Analysis
Pros + 5% cash back on two categories of your choice (from 12+ options) + 2% on one everyday category (dining, gas, or grocery) + No annual fee + Visa Signature benefits + $200 welcome bonus Cons - Must select 5% categories each quarter (defaults to 1% if forgotten) - $2,000 combined quarterly cap on 5% categories - 3% foreign transaction fee - Base rate only 1% on non-category spend Details & Terms
Purchase APR 18.74%–28.74% (Variable) Cash Advance APR 29.99% (Variable) Foreign Transaction Fee 3% Authorized User Fee $0
Usbank Cash Plus family
Product changes available between family members without a new credit inquiry.
Home / Credit Cards / U.S. Bank Cash+® Visa Signature® Card VISA Visa Signature
U.S. Bank Cash+® Visa Signature® Card Overview Program Reviews Details Media
Foreign Transaction Fee
3%
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Category Rate Type Booking Method Cap Notes Telecom 5X Core any $2,000/quarterly 5% on select utility categories (user's choice, 2 categories per quarter) Streaming 5X Core any $2,000/quarterly 5% on TV, internet, and streaming services (user's choice) Entertainment 5X Core any $2,000/quarterly 5% on select entertainment (user's choice) Transit 5X Core any $2,000/quarterly 5% on transit (user's choice) Fitness Clubs 5X Core any $2,000/quarterly 5% on gym and fitness centers (user's choice) Department Stores 5X Core any $2,000/quarterly 5% on department stores (user's choice) Electronic Stores 5X Core any $2,000/quarterly 5% on electronics stores (user's choice) Home Improvement 5X Core any $2,000/quarterly 5% on home improvement stores (user's choice) Dining 2X Core any None 2% on one everyday category (user's choice: dining, gas, or grocery) Gas Stations 2X Core any None 2% on one everyday category (user's choice: dining, gas, or grocery) Grocery Stores 2X Core any None 2% on one everyday category (user's choice: dining, gas, or grocery) All Other 1X Base any None 1% on all other purchases
Program & Transfers
Currency: Cash back dollars
Point Value: 1 cpp
Range: 1–1 cpp
Reviews & Analysis
Pros + 5% cash back on two categories of your choice (from 12+ options) + 2% on one everyday category (dining, gas, or grocery) + No annual fee + Visa Signature benefits + $200 welcome bonus Cons - Must select 5% categories each quarter (defaults to 1% if forgotten) - $2,000 combined quarterly cap on 5% categories - 3% foreign transaction fee - Base rate only 1% on non-category spend Details & Terms
Purchase APR 18.74%–28.74% (Variable) Cash Advance APR 29.99% (Variable) Foreign Transaction Fee 3% Authorized User Fee $0
Usbank Cash Plus family
Product changes available between family members without a new credit inquiry.
Home / Credit Cards / U.S. Bank Cash+® Visa Signature® Card VISA Visa Signature
U.S. Bank Cash+® Visa Signature® Card Overview Program Reviews Details Media
Foreign Transaction Fee
3%
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Category Rate Type Booking Method Cap Notes Telecom 5X Core any $2,000/quarterly 5% on select utility categories (user's choice, 2 categories per quarter) Streaming 5X Core any $2,000/quarterly 5% on TV, internet, and streaming services (user's choice) Entertainment 5X Core any $2,000/quarterly 5% on select entertainment (user's choice) Transit 5X Core any $2,000/quarterly 5% on transit (user's choice) Fitness Clubs 5X Core any $2,000/quarterly 5% on gym and fitness centers (user's choice) Department Stores 5X Core any $2,000/quarterly 5% on department stores (user's choice) Electronic Stores 5X Core any $2,000/quarterly 5% on electronics stores (user's choice) Home Improvement 5X Core any $2,000/quarterly 5% on home improvement stores (user's choice) Dining 2X Core any None 2% on one everyday category (user's choice: dining, gas, or grocery) Gas Stations 2X Core any None 2% on one everyday category (user's choice: dining, gas, or grocery) Grocery Stores 2X Core any None 2% on one everyday category (user's choice: dining, gas, or grocery) All Other 1X Base any None 1% on all other purchases
Program & Transfers
Currency: Cash back dollars
Point Value: 1 cpp
Range: 1–1 cpp
Reviews & Analysis
Pros + 5% cash back on two categories of your choice (from 12+ options) + 2% on one everyday category (dining, gas, or grocery) + No annual fee + Visa Signature benefits + $200 welcome bonus Cons - Must select 5% categories each quarter (defaults to 1% if forgotten) - $2,000 combined quarterly cap on 5% categories - 3% foreign transaction fee - Base rate only 1% on non-category spend Details & Terms
Purchase APR 18.74%–28.74% (Variable) Cash Advance APR 29.99% (Variable) Foreign Transaction Fee 3% Authorized User Fee $0
Usbank Cash Plus family
Product changes available between family members without a new credit inquiry.
✓
Those who want 5% cash back on utility bills, streaming, or transit
✓ Consumers with predictable spending in 2-3 categories
✓ People who prefer choosing their own bonus categories each quarter
✓ No annual fee seekers who want elevated rewards Not Ideal For ✗ International travelers due to 3% foreign transaction fee ✗ Those who forget to select categories each quarter ✗ Spenders who want simplicity (requires quarterly category management) ✗ High spenders who exceed the $2,000/quarter cap quickly
✓
Those who want 5% cash back on utility bills, streaming, or transit
✓ Consumers with predictable spending in 2-3 categories
✓ People who prefer choosing their own bonus categories each quarter
✓ No annual fee seekers who want elevated rewards Not Ideal For ✗ International travelers due to 3% foreign transaction fee ✗ Those who forget to select categories each quarter ✗ Spenders who want simplicity (requires quarterly category management) ✗ High spenders who exceed the $2,000/quarter cap quickly
✓
Those who want 5% cash back on utility bills, streaming, or transit
✓ Consumers with predictable spending in 2-3 categories
✓ People who prefer choosing their own bonus categories each quarter
✓ No annual fee seekers who want elevated rewards Not Ideal For ✗ International travelers due to 3% foreign transaction fee ✗ Those who forget to select categories each quarter ✗ Spenders who want simplicity (requires quarterly category management) ✗ High spenders who exceed the $2,000/quarter cap quickly
Top brands for this card Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Top brands for this card Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Top brands for this card Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
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