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About Our Ratings
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

Cashback on Gas
1%, 2% or 5%
3% at U.S. gas stations
2% at U.S. gas stations
Cashback on Groceries
1%, 2% or 5%
6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
3% at U.S. supermarkets on up to $6,000 per year in purchases
Cashback on other
1%, 2% or 5%
1% other purchases. Terms and limitations apply.
1% other purchases. Terms and limitations apply.
Purchase Intro
APR:
N/A
APR:
0% on Purchases
Period:
for 12 months
APR:
0% on Purchases
Period:
for 12 months
Purchase APR
13.24% to 23.24% (Variable) 
13.49%-23.49% Variable 
13.49%-23.49% 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:
13.24% to 23.24% (Variable)
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 9.74% to 19.74%
 9.74% to 19.74%
 20.74%
APR:
  13.24% to 23.24% (Variable)
 13.24% to 23.24% (Variable)
 24.24% (Variable)
APR Floor:
 None
 None
 None
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 Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

  • Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms Apply.
Credit Needed:
Excellent, Good
Apply online for Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • Earn $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive cash back in the form of statement credits.
  • Earn Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases, 2% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
  • Simple and straightforward: With the Blue Cash Everyday Card, you can start earning cash back.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
Credit Needed:
Excellent, Good