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The US Bank Cash Visa Signature® Card gives you the freedom to pick your top-earning categories.
Whether you’re a big spender on utilities or a fan of streaming services and home improvement stores, this card is designed to adapt to your lifestyle—not the other way around.
It’s a card that’s ideal for organized cardholders who want to squeeze the most value from their everyday expenses.
You get to choose two 5% cash back categories each quarter (up to $2,000 in combined purchases), one consistent 2% category, and 1% back on everything else. It’s custom cash back done right, and with no annual fee, the perks feel even sweeter.
Plus, new cardholders can take advantage of a $200 bonus after spending just $1,000 in the first 120 days, along with a 0% intro APR on purchases and balance transfers for 15 billing cycles (then a variable APR applies).
US Bank Cash Plus Visa Signature
No annual fee Foreign transaction feesHow Does the US Bank Cash Card Work?
Once approved, you’ll immediately have access to the reward selection dashboard, where you can choose your quarterly 5% cash back categories.
Options include streaming services, fast food, TV/internet/cell phone services, home utilities, department stores, gyms, and more. This rotation system makes it easy to match your rewards to seasonal or recurring spending patterns.
The 5% cash back is capped at $2,000 in combined purchases per quarter in the two categories you select. After that, the rate drops to 1%.
You also choose one 2% cash back category that doesn’t rotate. Options include grocery stores, gas stations, and restaurants. These earnings are unlimited and stay active regardless of the quarter.
All other purchases outside those chosen categories earn 1% back automatically.
Rewards are issued as cash back and can be redeemed for statement credits, direct deposits, or even gift cards. There’s no expiration on your cash back as long as the account remains open and in good standing.
Main Benefits of the US Bank Cash Card
The primary appeal is flexibility. Few cards let you customize your cash back categories like this one does. If you’re the kind of person who tracks spending and likes to optimize based on personal habits, this is one of the best tools available.
You also get a generous welcome bonus of $200, and a 0% intro APR on both purchases and balance transfers for 15 billing cycles.
This gives you breathing room to manage a large purchase or consolidate debt without interest.
Additional benefits include cell phone protection, provided you pay your bill with the card, as well as access to Visa Signature perks like concierge service and discounts on travel and entertainment.
Another big plus: you’ll never pay an annual fee, keeping more of your rewards in your wallet.
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Cons of the US Bank Cash+ Card
While this card has a lot going for it, it’s not without its limitations. First, you must activate your cash back categories every quarter. Forgetting to do so means losing out on your 5% opportunity.
The $2,000 quarterly cap on 5% cash back might be restrictive for high spenders. And while the category choices are broad, they don’t always align with everyone’s spending patterns.
There’s also a foreign transaction fee, which makes it less ideal for international travel.
If you prefer a simpler card that doesn’t require category tracking or quarterly activations, a flat-rate cash back card may be better suited for your habits.
APR and Fees
- Annual Fee: $0
- Intro APR: 0% for 15 billing cycles (purchases & balance transfers)
- Regular APR: 19.74%–29.74% variable
- Balance Transfer Fee: 3% (min $5)
- Foreign Transaction Fee: 2%–3% depending on currency
- Late Payment Fee: Up to $41
Be sure to make payments on time and avoid using it abroad if you’re concerned about added charges.
How to Apply for the US Bank Cash+ Visa Signature Card
- Go to the official U.S. Bank website.
- Locate the Cash+ Visa Signature Card under personal credit cards.
- Click “Apply Now” and begin the secure application.
- Fill in personal details, including name, address, SSN, income, and employment.
- Consent to a credit check and submit your application.
- Most applicants receive instant decisions, and you may receive a virtual card to use right away.
Once approved, select your 5% and 2% cash back categories and start earning right away.
