Apply for the U.S. Bank Cash+ Visa Signature Card

The U.S. Bank Cash+® Visa Signature® Card is a versatile credit card designed to reward consumers for everyday purchases.

Whether you’re buying groceries, fueling your car, or making online purchases, this card offers an excellent rewards program that allows cardholders to earn cash back on their spending.

In this article, we’ll explore the key benefits, drawbacks, requirements, fees, and frequently asked questions about the U.S. Bank Cash+® Visa Signature® Card.

Card Overview

The U.S. Bank Cash+® Visa Signature® Card is designed for consumers who want to earn cash back on a wide range of purchases.

The card features a unique rewards structure that lets you choose your bonus categories every quarter, making it a flexible option for those who want to maximize their earnings in areas that matter most to them.

Additionally, cardholders can earn cash back on regular purchases with no annual fee, making it an attractive option for those who want to earn rewards without paying extra fees.

Reasons to Choose the Card

Here are several reasons why the U.S. Bank Cash+® Visa Signature® Card may be a great choice for you:

Customizable Rewards Categories:

One of the standout features of the U.S. Bank Cash+® Visa Signature® Card is the ability to choose two bonus categories each quarter where you can earn 5% cash back on the first $2,000 in combined purchases.

These categories include options like home utilities, department stores, and electronic stores, allowing you to earn higher rewards on the types of purchases you make the most.

1% Cash Back on Other Purchases:

In addition to the 5% cash back on selected categories, cardholders earn an unlimited 1% cash back on all other purchases.

This makes the card a great choice for those who want to earn rewards on every purchase, even if it doesn’t fall into one of the bonus categories.

No Annual Fee:

The U.S. Bank Cash+® Visa Signature® Card comes with no annual fee, making it a cost-effective option for cardholders who want to maximize their rewards without worrying about extra charges.

Sign-Up Bonus:

New cardholders can earn a generous sign-up bonus after spending a certain amount within the first few months of opening an account.

This bonus can provide a significant boost to your cash back earnings right from the start.

Flexible Redemption Options:

Cash back earned with the U.S. Bank Cash+® Visa Signature® Card can be redeemed in a variety of ways, including statement credits, direct deposits into your U.S. Bank account, or as a check.

This flexibility allows you to choose the redemption method that best suits your needs.

U.S. Bank Cash+ Visa Signature Card

Drawbacks of the Card

While the U.S. Bank Cash+® Visa Signature® Card has many advantages, there are a few potential drawbacks to consider:

Bonus Categories Change Quarterly:

While the ability to choose your bonus categories each quarter is a unique feature, it also means that the categories change regularly. You must remember to select your categories each quarter to ensure you’re maximizing your rewards in the areas you spend the most.

Bonus Category Limit:

The 5% cash back is limited to the first $2,000 in combined purchases each quarter in the bonus categories. Once you reach that limit, your purchases in those categories will earn 1% cash back instead.

Foreign Transaction Fees:

The U.S. Bank Cash+® Visa Signature® Card charges a foreign transaction fee, which can add up if you frequently make purchases abroad or shop with international retailers.

How to Apply for the Card

Visit the Official U.S. Bank Website:
Navigate to the U.S. Bank website and locate the page specifically for the Cash+® Visa Signature® Card to review its details and eligibility criteria.

Review Card Features and Requirements:
Check the rewards structure, customizable bonus categories, no annual fee benefits, and any other terms to ensure the card meets your needs.

Start the Online Application:
Click the “Apply Now” or equivalent button on the card’s webpage to access the secure online application form.

Fill Out the Application Form:
Provide your personal information, such as your name, address, Social Security number, and financial details. Make sure all your details are accurate and current.

Submit Any Required Documentation:
If requested, upload supporting documents, such as proof of income or identification, to expedite the application review process.

Review and Accept Terms and Conditions:
Carefully read through the card’s terms, conditions, fees, and rewards program details, then indicate your agreement by checking the appropriate box.

Submit Your Application:
After verifying that all required fields are complete, submit your application. You will receive an email confirmation and further instructions regarding the next steps in the review process.

Fees and Costs

The U.S. Bank Cash+® Visa Signature® Card comes with the following fees:

• Annual Fee: $0
• APR: Variable APR for purchases and cash advances, based on creditworthiness.
• Foreign Transaction Fee: 2% of each transaction in U.S. dollars or 3% for transactions in foreign currencies.
• Late Payment Fee: Up to $40, depending on your outstanding balance.
• Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
• Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.

Frequently Asked Questions about the Card

1. What are the bonus categories for the U.S. Bank Cash+® Visa Signature® Card?

The U.S. Bank Cash+® Visa Signature® Card offers 5% cash back on the first $2,000 in combined purchases in two categories of your choice each quarter. These categories can include options like home utilities, electronic stores, and department stores, among others.

2. Is there an annual fee for the U.S. Bank Cash+® Visa Signature® Card?

No, the U.S. Bank Cash+® Visa Signature® Card comes with no annual fee, making it an affordable choice for those looking to earn rewards without paying extra fees.

3. Can I redeem my rewards for anything other than a statement credit?

Yes, cash back earned with the U.S. Bank Cash+® Visa Signature® Card can be redeemed for statement credits, direct deposits into your U.S. Bank account, or checks. You can choose the redemption method that works best for you.

4. How do I keep track of my quarterly bonus categories?

You will need to log in to your U.S. Bank account each quarter to select your bonus categories. It’s important to remember to make this selection to ensure you’re maximizing your rewards in the areas you spend the most.

5. Is there a foreign transaction fee on the U.S. Bank Cash+® Visa Signature® Card?

Yes, there is a foreign transaction fee of 2% for transactions in U.S. dollars or 3% for transactions in foreign currencies. Be mindful of this fee if you frequently travel or make purchases abroad.

The U.S. Bank Cash+® Visa Signature® Card is a flexible and rewarding option for individuals who want to earn cash back on their everyday purchases.

With customizable bonus categories, no annual fee, and a strong rewards program, this card is perfect for those who want to earn rewards without extra costs.

However, be mindful of the quarterly bonus categories and foreign transaction fees before applying.

If you’re looking for a card that offers rewards on your terms, the U.S. Bank Cash+® Visa Signature® Card may be a great fit for you.