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Credit Needed
Excellent

U.S. Bank Cash+™ Visa Signature® Card Review

Pros & Cons

  • Winner of the 2017 CardRatings Editor's Choice Award for Best Rotating Cash-Back Rewards Card.
  • Each quarter you choose two categories in which to earn 5 percent cash back on up to the first $2,000 you spend, meaning there's no reason you shouldn't maximize your rewards earning with this card.
  • Enjoy 2 percent cash back in a non-rotating category of your choosing and 1 percent back on all your other purchases.
  • If you don't remember to choose your 5 percent categories each quarter, you'll earn just 1 percent for that quarter, so this card is best for people who take a hands-on approach to their credit card reward.

Top Features

Cashback on Gas
1%, 2% or 5%
Cashback on groceries
1%, 2% or 5%
Cashback on other
1%, 2% or 5%
Annual Fee
None

This card compared to other cash back cards

Card Name
U.S. Bank Cash+™ Visa Signature® Card
Cashback on Gas
1%, 2% or 5%
1-5%
Unlimited 1.5% cash back
Cashback on Groceries
1%, 2% or 5%
1-5%
Unlimited 1.5% cash back
Cashback on other
1%, 2% or 5%
5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Unlimited 1.5% cash back
Purchase Intro
APR:
N/A
APR:
0%
Period:
14 months
APR:
0% Intro APR on Purchases
Period:
for 15 months
Purchase APR
14.49% to 23.49% (Variable) 
11.99% - 23.99% Variable 
15.99%-24.74% Variable 
CardRatings.com Editorial Staff

U.S. Bank Cash+™ Visa Signature® Card details

Balance Transfer Intro APR:
0% introductory APR for the first 12 billing cycles for balances transferred within 30 days from account opening
Balance Transfer Intro Period:
12 billing cycles
Purchase Intro:
APR:
N/A
Purchase APR:
14.49% to 23.49% (Variable)
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 10.74% to 19.74%
 10.74% to 19.74%
 20.74%
APR:
  14.49% to 23.49% (Variable)
 14.49% to 23.49% (Variable)
 24.49% (Variable)
APR Floor:
 N/A
 N/A
 N/A
Intro Rate:
 N/A
 0% introductory APR for the first 12 billing cycles for balances transferred within 30 days from account opening
 N/A
Intro Period:
 N/A
 12 billing cycles
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 None

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars; 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
Late Fee:
 Up to $37
Over-the-limit Fee:
 None
Balance Transfer Fee:
Either 3% of the amount of each transfer or $5 minimum, whichever is greater  


Notes:

Rebate Description:
 Earn 5% cash back on your first $2,000 in net purchases each quarter on the combined 2 categories you choose like Restaurants or Department Stores. Earn 2% cash back on your choice of one everyday category like gas, groceries or drug store purchases. Earn 1% cash back on everything else. No limit on total cash back earned. Make sure you choose your categories each quarter; if not, all net purchases will still earn 1% cash back.
Special Notes:
 If you do not qualify for the U.S. Bank Cash+™ Visa Signature Card, you will automatically be considered for the U.S. Bank Cash+ Visa Platinum Card which has the same cash back on all net purchases as the Cash+ Visa Signature Card but does not offer the Visa Signature benefits. Returned Payment Fee: Up to $35.
Credit Card More Information:

Card Issued By:
 U.S. Bank
General Correspondence Address:

Card Type:
 Visa
Card Class:
 Signature
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Discover it® - Cashback Match™

Discover it® - Cashback Match™

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  • You could turn $150 into $300 with Cashback MatchTM. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
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  • No annual fee.
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Credit Needed:
Excellent, Good
Apply online for Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99%-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good