The U.S. Bank Cash+ Visa Signature Card is a highly flexible credit card designed to offer cashback rewards on everyday purchases.
What sets it apart from other credit cards in the market is its customizable rewards structure.
Cardholders can earn 5% cashback on the first $2,000 spent in combined purchases in two eligible categories each quarter, 2% cashback on one everyday category, and 1% cashback on all other purchases.
The card is issued by U.S. Bank, one of the largest financial institutions in the United States, providing a range of personal and business banking products, including credit cards, loans, and savings accounts.
About U.S. Bank
Founded in 1863, U.S. Bank is headquartered in Minneapolis, Minnesota, and operates as one of the largest banking institutions in the country.
The bank provides a full range of financial services, including personal banking, mortgages, investments, small business banking, and corporate services.
With a wide national footprint and over 3,000 branches, U.S. Bank is committed to delivering high-quality financial services to both individual customers and businesses.
Who Is This Card For?
The U.S. Bank Cash+ Visa Signature Card is ideal for individuals who want to maximize their rewards by customizing their cashback categories to fit their lifestyle.
It is also a great choice for those who want to earn cashback on categories they use most, such as groceries, gas, or dining, without being tied to fixed categories offered by other rewards cards.
Additionally, individuals who already have a banking relationship with U.S. Bank may find this card even more valuable due to the potential for bundled benefits with other accounts.
Advantages of the U.S. Bank Cash+ Visa Signature Card
- Customizable Rewards Structure: One of the standout features of this card is its ability to let cardholders choose their bonus categories. This flexibility allows users to adjust the card to their personal spending habits, ensuring that they earn the most cashback where they spend the most.
- 5% Cashback in Rotating Categories: Cardholders can earn 5% cashback on the first $2,000 spent in two categories every quarter. Categories such as online shopping, grocery stores, home improvement, and gas stations are often available, giving users the chance to maximize their rewards on purchases that matter to them.
- 2% Cashback on One Everyday Category: In addition to the 5% cashback on rotating categories, users can earn 2% cashback on an everyday category of their choice, such as gas, grocery, or dining. This provides an additional stream of cashback that can complement the higher-rate spending in other categories.
- No Annual Fee: The U.S. Bank Cash+ Visa Signature Card does not charge an annual fee, making it a great option for consumers who want a rewards card without additional yearly costs.
- Sign-Up Bonus: New cardholders can enjoy a generous sign-up bonus after making a minimum purchase within the first few months of account opening. This bonus is a great way to kick-start the rewards earning process.
- Visa Signature Benefits: As a Visa Signature cardholder, users receive access to a suite of additional benefits, including travel insurance, purchase protection, extended warranty coverage, and access to exclusive events and concierge services.
Additional Benefits
- Worldwide Acceptance: As a Visa Signature card, the U.S. Bank Cash+ Visa Signature Card is accepted at millions of locations worldwide, making it an excellent travel companion.
- Mobile Payment Capabilities: Cardholders can easily link the card to popular mobile payment services such as Apple Pay, Google Pay, and Samsung Pay, providing convenient and secure ways to make purchases.
- Purchase Protection and Extended Warranty: The card offers protection for eligible purchases against damage or theft for up to 120 days after the purchase date, as well as extended warranty coverage on items purchased with the card.
- No Foreign Transaction Fees: Cardholders can make international purchases without worrying about foreign transaction fees, which can be a huge cost-saving advantage for frequent travelers.
Fees and charges
Late Payment: Up to $41;
Returned payment: Up to $41;
● Introductory APR: 0% for 15 billing cycles;
● Standard APR: 18.49% - 28.74%;
● Balance Transfer Fee: either 3% of the amount of each transfer or $5 minimum;
● Cash Advance: either 5% of the amount of each advance or $10 minimum.
Expert review
The U.S. Bank Cash+ Visa Signature Card is a highly flexible rewards credit card designed for consumers who want to earn customizable cashback.
With 5% cashback on the first $2,000 spent in two rotating categories every quarter and 2% cashback on one everyday category, this card provides great value for those who can tailor their rewards to their spending habits.
It also offers a no annual fee, a sign-up bonus, and access to valuable Visa Signature benefits such as purchase protection and travel perks, making it an attractive choice for diverse spenders.
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+Positive points
- 5% cashback on the first $2,000 spent in two rotating categories every quarter.
- 2% cashback on one everyday category (such as groceries or gas).
- No annual fee, making it an affordable choice for consumers.
- Access to exclusive Visa Signature benefits, such as purchase protection and special offers.
- Sign-up bonus, giving an initial boost to rewards.
- Negative points
- Rotating categories must be activated every quarter to earn the maximum cashback.
- The 5% cashback limit is only $2,000 per quarter, after which the cashback rate drops.
- No travel rewards or points for all purchases, which may limit its value for frequent travelers.
