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The Bank Cash Visa Signature Card is a fantastic option for those who want to make the most of cashback benefits.
With it, you get up to 5% back on two categories you choose each quarter, plus 2% on an everyday category, such as supermarkets or restaurants.
And to make things even better, the card offers a $200 bonus when you spend $1,000 in the first 90 days.
If you want to better understand how to apply for yours and start accumulating rewards, keep reading this post for all the information!
Bank Cash
Convenient access Enjoy fastHow does the Bank Cash work?
The U.S. Bank Cash+® Visa Signature® Card is a great option for those who want to earn cashback in a practical and flexible way. It offers up to 5% back on up to $2,000 of qualifying purchases per quarter, in two categories you choose, such as supermarkets, restaurants, electronics stores and more.
In addition, you earn 2% cashback on an everyday category, such as gas stations or supermarkets, and 1% on all other purchases.
Each quarter, you can change your categories to take better advantage of the options according to your spending habits. If you don’t choose your categories in time, all purchases will generate 1% cashback.
And the best thing is that the rewards are very flexible: you can use them as bill credit, transfer them to your bank account or even apply for a rewards card. If you’re looking for a simple way to earn cashback, this card could be a great choice!
Main benefits for the Bank Cash
The U.S. Bank Cash+® Visa Signature® Card offers a number of advantages for those looking to maximize their rewards. One of the biggest advantages is cashback of up to 5% in two categories that you choose each quarter.
This means you can adjust your earnings according to your consumption preferences, for example in restaurants, supermarkets or even electronics stores. In addition, the card offers 2% cashback in an everyday category, such as gas stations or supermarkets.
Another great advantage is the $200 bonus you receive when you spend $1,000 within the first 90 days of opening your account. For those who like flexibility, Cash+ allows you to redeem cashback earnings as bill credit, direct deposit or as a rewards card.
And if you like shopping online, the card also offers up to 5% cashback at over 1,100 participating stores, through Rewards Center Shopping Deals.
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Cons for the Bank Cash
Although it offers good benefits, the U.S. Bank Cash+® Visa Signature® Card has some disadvantages:
- Balance transfer fee: You pay 3% of the amount transferred, with a minimum amount of $5.
- Limitations on the introductory APR: The 0% APR is only valid for purchases and balance transfers made in the first 15 cycles. After that, the interest rate goes up.
- Cash advances are not included in the promotion: The introductory APR is not valid for cash advances, which usually have a higher interest rate.
- Balance payments: Payments are applied first to ExtendPay® plans and then to higher interest balances.
APR and Fees
The U.S. Bank Cash card offers an introductory APR rate of 0% for purchases and balance transfers for the first 15 billing cycles. After this period, the APR becomes variable.
The balance transfer fee is 3% of the amount transferred, with a minimum of $5. It is important to remember that the introductory APR does not apply to cash advances, which have higher interest rates. Also be aware of balance payments with different APRs.
How to apply for the Bank Cash
Applying for the U.S. Bank Cash+ Visa Signature® Card is a simple and quick process. First, go to the official U.S. Bank website and look for the Cash+ card page.
You will need to fill out an online form with personal information, such as your name, address, income and Social Security number. You will also need to provide details about your financial history and your credit score, which should be in the good to excellent range to increase your chances of approval.
Once submitted, the bank will analyze your application and you will receive a response within a few days.
If approved, the card will be sent to your address. Remember to choose your cashback categories at the time of activation to start accumulating rewards.
Approved, you can start taking advantage of the card’s benefits, such as cashback on the categories you choose and the $200 bonus when you spend $1,000 in the first 90 days.
