U.S. Bank Cash+ Visa Credit Card Review

Best for: cardholders willing to track their spending to maximize quarterly category bonuses

For cardholders who enjoy earning lucrative rewards in bonus categories of their choosing, the US Bank Cash+ Visa Signature® credit card is a great option to have in your wallet. It offers flexibility, enticing introductory offers and steep reward point bonuses. 

The basics

  • APR: 0% intro APR for balance transfers for the first 12 billing cycles, then variable APR of 15.99% – 25.49% after that on balance transfers and on all purchases
  • Annual Fee: $0
  • Reward Rates:  Earn 5% cash back in two bonus categories on up to $2,000 in combined purchases every quarter, 2% cash back on everyday purchases like at gas stations, grocery stores and restaurants and 1% cash back on all other eligible purchases
  • Intro Offer: $150 cash bonus after spending $500 on eligible purchases in the first 90 days after account opening

Standout features

  • Cash back rewards: You get to choose two categories to earn 5% cash back in, from categories like cell phone services, select streaming services, movie theaters, sporting goods stores or fast food, among others. Unlimited 2% cash back at gas stations, grocery stores and restaurants and unlimited 1% cash back on all other eligible purchases
  • Cash back redemption: No minimum required to redeem, and cash back can be redeemed as either statement credit, a deposit to your U.S. Bank checking or savings account or a rewards card.
  • No annual fee. No APR change for paying late.
  • Visa Signature® benefits: Your card comes with select Visa Signature benefits
  • Highly rated mobile and desktop user experience

Best way to use this card

The US Bank Cash+ credit card is made for people who like to earn rewards on their big purchases. The best way to use this card is to choose two categories where you spend the most each month. Then, routinely use your card to make those purchases, up to the $2,000 combined limit each month.

In addition, you can use the card for everyday purchases and earn 2% cash back, so you have two ways to increase your cash rewards beyond your standard purchases. Plus, you get a $150 cash bonus for spending $500 in the first 90 days after opening your account. 

Try to pay your balance in full each month so you can keep using the card for your reward categories. This will give you the most cash back for your money. 

In a nutshell

As cards designed to give you control over your rewards go, the US Bank Cash+ Visa Signature card is one of the best reward cards on the market. Qualified applicants will get two introductory offers to earn some extra cash, reward points never expire and you can redeem at any time with no minimum. 

If you travel out of the country often, you may want to consider a credit card that offers $0 fees on foreign transactions. The Capital One® Quicksilver® Cash Rewards Credit Card is a great option if you’re making purchases while abroad.

If you’re looking to build credit, you may want to consider a secured credit card like the Citi® Secured Mastercard®. It’s a solid option for millennials looking to improve their credit score with a secured credit card.

Miranda Birt

Personal finance writer and small business underwriter in the technology space.

Miranda lives in Austin, Texas with her dog, Violet. Her hobbies include camping, hiking, and creating art.