If you are looking for a flexible credit card with great benefits, consider signing up for the U.S. Bank Cash+® Visa Signature® Card. You have the opportunity to earn a $250 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening.
Update 8/5/24: The offer has increased to a $250 bonus (up from $200) with same spend requirement.
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!
Editor’s Note:
- Interested in more from U.S. Bank? They currently offer generous bonuses when opening a new personal checking or business checking account.
- The Chase Sapphire Preferred® Card, Capital One SavorOne Cash Rewards Credit Card or Chase Freedom Unlimited Card is a great alternative.
U.S. Bank Cash+ Visa Signature Card Summary
Bonus Available | Get $250 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening.
0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR. |
Ongoing Rewards/Benefits | 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.
5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants. 1% cash back on all other eligible purchases |
Foreign Transaction Fees | 2% in USD, 3% in foreign currencies. |
Annual Fee | $0 |
(at U.S. Bank)
U.S. Bank Cash+ Bonus Offer
Earn $250 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening.
Ink Business Preferred® Card 90K Points after $8,000 spend within first 3 months | Ink Business Unlimited® Credit Card $900 Bonus after $6,000 spend within 3 months |
Capital One Venture X Business 150K Miles after $30,000 spend within 3 months | Ink Business Cash® Credit Card Up to $750 Bonus: Earn $350 after $3,000 spend in the first 3 months and an additional $400 with $6,000 spend in the first 6 months. |
Chase Sapphire Preferred® Card 60K Points after $4,000 spend within 3 months. | Chase Freedom FlexSM $200 Bonus after $500 spend within 3 months |
The Platinum Card® from American Express 80K Points after $8,000 spend within 6 months. Terms Apply. | Capital One Venture Rewards Credit Card 75K Points after $4,000 spend within 3 months |
American Express® Gold Card 60K Points after $6,000 spend within 6 months. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24. Terms Apply. | Chase Freedom Unlimited® Card earn an additional 1.5% cash back on everything you buy --- on up to $20,000 in the first year! |
Blue Cash Preferred® Card from American Express $250 Welcome Offer after $3,000 eligible spend within 6 months. Terms Apply. | Blue Cash Everyday® Card from American Express $200 Welcome Offer after you spend $2,000 in purchases on your new Card within the first 6 months. Terms Apply. |
Chase Sapphire Reserve® Card 60K Points after $4,000 spend within 3 months. | Capital One Quicksilver Cash Rewards Card $200 Bonus after $500 spend within 3 months |
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
Card Benefits
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
No Foreign Transaction Fees
- 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 offers great cash back rewards.
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 their latest banking promotions and offers here for business checking and personal checking accounts.
For more credit cards, see our latest list of the best credit card bonuses.
Ron says
Does one need to pick from a list of available 5% categories or is it completely up to ones choice ?