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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%
2% at U.S. gas stations
1-5%
Cashback on Groceries
1%, 2% or 5%
3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
1-5%
Cashback on other
1%, 2% or 5%
1% back on other purchases.
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.
Purchase Intro
APR:
N/A
APR:
0% on Purchases
Period:
for 12 months
APR:
0%
Period:
14 months
Purchase APR
14.49% to 23.49% (Variable) 
13.99%-24.99% Variable 
11.74% - 23.74% Variable 
Rates and Fees
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 Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express(R) Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
Terms and Limitations Apply
Credit Needed:
Excellent, Good
Apply online for Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • You could turn $200 into $400 with Cashback Match(TM). 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.
  • Get your FICO(R) Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
Excellent, Good