U.S. Bank Cash+® Visa Signature® Card
- Annual Fee
- $0
- cash back · Welcome Bonus
- $200
- Top Rate
- 5%
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Visa Signature
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Good to Excellent
Welcome Offer
Bonus: $200 cash back
Spend: $1,000
Period: 3 months
Earning Rates
- 5%
Telecom
5% on cell phone providers (user's choice, 2 categories per quarter)
Cap: $2,000/quarterly
- 5%
Streaming
5% on TV, internet, and streaming services (user's choice)
Cap: $2,000/quarterly
- 5%
Cable Tv
5% on TV, internet and streaming services (user's choice)
Cap: $2,000/quarterly
- 5%
Movie Theaters
5% on movie theaters (user's choice). Keyed movie_theaters, not entertainment, so it does not answer concert or sporting-event ticket searches (TASK-0324)
Cap: $2,000/quarterly
- 5%
Transit
5% on ground transportation (user's choice)
Cap: $2,000/quarterly
- 5%
Fitness
5% on gym and fitness centers (user's choice)
Cap: $2,000/quarterly
- 5%
Department Stores
5% on department stores (user's choice)
Cap: $2,000/quarterly
- 5%
Electronics
5% on electronics stores (user's choice)
Cap: $2,000/quarterly
- 5%
Travel
5% on prepaid air, hotel and car reservations booked directly in the U.S. Bank Travel Center; not user-choice, no quarterly cap
- 5%
Sporting Goods
5% on sporting goods stores (user's choice, 2 categories per quarter)
Cap: $2,000/quarterly
- 5%
Fast Food
5% on fast food (user's choice 5% category). Restaurants are a 2% choice only, not 5%.
Cap: $2,000/quarterly
- 5%
Utilities
5% on home utilities (user's choice)
Cap: $2,000/quarterly
- 2%
Dining
2% on one everyday category (user's choice: dining, gas, or grocery)
- 2%
Gas Stations
2% on one everyday category (user's choice: dining, gas, or grocery)
- 2%
Grocery Stores
2% on one everyday category (user's choice: dining, gas, or grocery)
- 1%
All Other
1% on all other purchases
Benefits & Perks
Dining Out
2% cash back at restaurants
if dining is your chosen category
$2 back on a $100 dinner
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2%, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
Cash Back Rewards
Reviews & Analysis
Pros and Cons
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
Who It's Best For
Best For
- 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
The Math: Is $0 Worth It?
First-year value includes $200 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Purchase APR | 17.99%–28.24% (Variable) |
| Cash Advance APR | 30.74% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Card Family
Usbank Cash Plus family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Usbank Cash Plus Secured | entry | $0 |
Product changes available between family members without a new credit inquiry.
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Usbank Official | — | Usbank Official |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page: Balance transfer fee | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page: Multiple card facts | |
| U.S. Bank Official | U.S. Bank Official | |
| U.S. Bank Official | U.S. Bank Official |
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.
