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If you are looking for a flexible credit card with great benefits, consider signing up for the U.S. Bank Cash+ TM Visa Signature® Card. You have the opportunity to earn a $150 cash back bonus after making at least $500 in purchases in the first 90 days of your account opening.
You could also earn up to 5% cash back on your first $2,000 in combined eligible net purchases each quarter on two categories you choose. This card has a no annual fee and options to redeem with no minimum required. Start earning rewards on those everyday purchases with the U.S. Bank Cash+ Visa Signature Card!
* The Cash+ Visa Signature Card is issued by U.S. Bank. They also offer great sign-up bonuses for their Checking/Savings accounts. You can also compare this card with other credit card bonuses!
Note: Check out the following cards to earn one of the best flat cash back opportunities across all purchases: Wells Fargo Cash Wise card, the Chase Freedom Unlimited card, or the American Express Cash Magnet card! For a wider variety, see more credit card bonus offers here.
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| Chase Sapphire Preferred® Card | 60,000 Points | Review |
| Chase Ink Business UnlimitedSM Credit Card | $500 Cash | Review |
| Chase Ink Business CashSM Card | $500 Cash | Review |
| Chase Freedom® | $150 Cash | Review |
| Chase Freedom Unlimited® | 3% Cash Back | Review |
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| ABOC Platinum Rewards Mastercard® | $150 Cash | Review |
Table of Contents
U.S. Bank Cash+ Visa Signature Card Summary
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| Bonus Available | Get $150 bonus cash after you spend $500 within the first 90 days of account opening. |
| *Bonus Value | $150 |
| Ongoing Rewards/Benefits | 5% cash back on your first $2,000 in combined eligible purchases each quarter in 2 categories you choose, 2% cash back on 1 everyday category you choose, and 1% cash back on all other purchases. |
| Foreign Transaction Fees | 2% in USD, 3% in foreign currencies. |
| Annual Fee | $0 |
* Bonus value is an estimated value calculated by HustlerMoneyBlog and not the card issuer.
View the latest valuations here.
Recommended Free Credit Score (Get Free Score)
690 – 850 (Good – Excellent)
PROS
- No annual fee
- Bonus cash
- Flexible rewards
CONS
- Good-Excellent credit needed to qualify
- Quarterly registration for bonus categories
- Foreign transaction fees
Editor’s Alternate Pick
 The Chase Freedom® Card offers a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. You'll earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and an unlimited 1% cash back on all other purchases. You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. This card has no annual fee and you'll get a free credit score that's updated weekly with Credit JourneySM. |
Card+ Card $150 Bonus Cash Offer
Sign up and take advantage of the Cash+ card’s introductory offer of $150 bonus cash. In order to qualify, charge at least $500 to your card within the first 90 days of opening your account
Here are some ideas on meeting the spending requirements:
| • Plastiq - Using Plastiq allows you to pay for your personal expenses such as rent, tuition, mortgage, auto lease etc. Although they charge a 2.5% processing fee for using your credit card, this will contribute to the card bonus that you will receive. There is also a referral program that allows you to earn "Free-Free Dollars" that goes towards processing fees as well. |
| • Funding Checking Accounts - When it comes to funding a checking account, opening your initial deposit with a credit card is the usual way to go about it. However, if you want to have more opportunities, you should open a checking account that offers a sign-up bonus. This allows you to work towards bonuses from not one but two different sources instead. Banks like Chase, Huntington Bank, TD Bank and BBVA offers credit card funding, and for your opening deposit, you can often fund anywhere from $50-$1000 with a credit card, depending on the bank. |
| • Gift Card Purchases With Using a Credit Card - Another way to acquire the bonus is using your credit card to purchase gift cards. Buying a a gift card or an individual merchant card typically do not require a purchase fee and are used towards leisure, so gift cards are ideal. However, gift cards such as a Visa or American Express do incur purchase fees because they can be spent anywhere, but gift cards that are specifically for a certain online shopping site such as Amazon or eBay don't. |
| As for a Citi Credit Card, you should call customer service and ask them to lower your Cash Advance limit to $0 before making any purchases because Citi tends to read gift card purchases as a Cash Advance. Ideally, you should do this with any card just to be safe. Lastly, there is such thing as a discounted gift card which can be purchased on Raise or eBay. If you use a credit card often for everyday purchases, it can build your credit score that will contribute towards paying for things such as bills and taxes. |
| |
Earning Your Cash+ Rewards
You’ll earn 5% cashback on your first $2,000 each quarter on the combine two categories of your choosing. If spending caps are hit every three months, you get $100 in bonus rewards each year.
Pick one everyday spending category every quarter and earn unlimited 2% cashback on those purchases. All other spending earns unlimited 1% cashback.
Please note that the Cash+ Card’s 5% categories change quarterly. Here are some past examples:
- Gym memberships
- Cell phone bills
- Home utilities
- Ground transportation
- Movie tickets
- Fast food
- Car rentals
- Sporting goods
- Bookstore
- Electronics
- Department store purchases
- Charitable donations
Everyday spending category choices that earn unlimited 2% cashback can also change. Here are some typical examples:
- Gas stations
- Grocery stores
- Restaurants
To activate bonus categories, you’ll need to sign in to your account and identify which ones you want to register. You can pick the same categories every quarter, but they won’t automatically carry over. Please note that if you forget to identify your bonus categories, you’ll only earn 1% cashback on all your purchases.
Redeeming Your Cash+ Rewards
You can redeem your cashback as:
- Statement credits to your Cash+ account
- Direct deposits to a U.S. Bank account
- Rewards cards ($20 minimum in $5 increments)
U.S. Bank Cash+ Card Top Features
- 5% cashback on your first $2,000 in combines eligible net purchases each quarter on two categories you choose.
- 2% cashback on everyday category, like gas stations or grocery stores.
- 1% cashback on all other eligible net purchases.
With this card, you’ll be able to benefit from certain perks through the Visa Signature program. Some of these perks include:
- Complimentary Rental Car Insurance: You’ll have the option to complimentary rental car coverage (loss & damage) for rentals paid in full with your Cash Plus card.
- Retail Protection: Enjoy reimbursement after certain adverse shopping events, subject to key limitations and restrictions.
- 24/7 Concierge Service: Travelers can easily make complicated entertainment, restaurant, or travel reservations in unfamiliar places, even where they may not speak the language. Just call them to help you.
- Mobile Payment: Pay with just a touch or a tap with your favorite digital device. It’s secure because your card number isn’t stored on the device. Plus, mobile payments are accepted at many stores and in apps.
As a Visa Signature card, the U.S. Bank Cash+ has several extra benefits you can take advantage of, such as:
- Purchase security
- Extended warranty
- Car rental insurance
- Baggage insurance
- Roadside assistance
- Travel discounts
- Concierge services
- Complimentary room upgrades
Make purchases abroad without worrying about foreign transaction fees with the U.S. Bank Cash+ Visa Signature Card.
Bottom Line
The U.S. Bank Cash+ Visa Signature Card allows you to get up to 5% cash back on two categories of your choice with a $2,000 purchase limit each quarter, while having no annual fee, and much more. Also get an easy $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
Starting being getting cash back for your purchases with this flexible credit card. If you are interested in more deals that U.S. Bank has to offer, see our list of the Best U.S Bank Promotions. For more credit cards, see our latest list of the best credit card bonuses.
Hustlermoneyblog has partnered with CardRatings for our coverage of credit card products. Hustlermoneyblog and CardRatings may receive a commission from card issuers.
There are several no-annual-fee cards that are flat-rate rewards card or earn higher categories in rewards. It all depends on your spending habits and how much you keep up with categories.
Good examples include the following cards: Chase Freedom Unlimited, Capital One Quicksilver Cash Rewards Credit Card, Capital One SavorOne Cash Rewards Credit Card, American Express Cash Magnet Card, and the Blue Cash Everyday Card from American Express
 The Chase Freedom Unlimited® Card offers double cash back. You'll earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases. There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open. This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM. |
 The Capital One® Quicksilver® Cash Rewards Card offers a one-time $150 cash bonus after spending $500 on purchases within 3 months from account opening. You'll be able to earn an unlimited 1.5% cash back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards. This card comes with no annual fee and no foreign transaction fees which makes this card a viable option for your go-to everyday card. |
 The Capital One® SavorOneSM Cash Rewards Credit Card offers a one-time $150 cash bonus after spending $500 on purchases within the first 3 months from account opening. You'll earn an unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases with no rotating categories or sign-ups needed to earn cash rewards. This card comes with no annual fee and no foreign transaction fees. |
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| Chase Total Business Checking® | $200 Cash | Review |
| Simple High-Yield Checking | $300 Cash | Review |
| Discover Bank Online Savings | $200 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| You InvestSM by J.P. Morgan | $625 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| Discover Cashback Debit Account | $360 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| UFB Direct High Yield Savings | 2.25% APY | Review |
| Betterment Everyday Savings | 2.21% APY | Review |
| CIT Bank Savings Builder | 2.20% APY | Review |
Does one need to pick from a list of available 5% categories or is it completely up to ones choice ?