U.S. Bank Cash+® Visa Signature® Card

Earn 5% cash back on two categories you choose (up to $2,000 per quarter), 2% on everyday category you choose, 1% on all else.

Last checked on June 9, 2026. We may earn a commission when you click through.

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✓ Earn up to 5% cash back on two chosen categories ✓ No annual fee ✓ Attractive sign-up bonus of $200 after spending $1,000
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U.S. Bank Cash+® Visa Signature® Card

Visa · cashback

Our Verdict

The U.S. Bank Cash+® Visa Signature® Card offers flexible cash back options but may not be the best fit for those who spend less in the selected categories.

What it really costs

Annual fee No annual fee
APR Range 19.49% – 29.49%

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Who it's for

This card is ideal for individuals who can maximize rewards in specific spending categories and want no annual fee.

Watch out

Ensure you actively manage category selections to avoid missing out on rewards.

The good and the not so good

  • Earn up to 5% cash back on two chosen categories
  • No annual fee
  • Attractive sign-up bonus of $200 after spending $1,000
  • 2% cash back on one everyday category
  • 1% cash back on all other purchases
  • Cash back categories need to be selected quarterly
  • 5% cash back cap of $2,000 per quarter
  • Variable APR can be high (19.49%-29.49%)
  • Requires good to excellent credit for approval
  • Limited to specific categories for maximum rewards

In-Depth Review

The U.S. Bank Cash+® Visa Signature® Card stands out in the crowded cash back credit card market with its customizable rewards structure. You can earn 5% cash back on up to two categories of your choice, such as groceries or gas, which is particularly beneficial for those who can align their spending with these categories. Additionally, the 2% cash back on one everyday category provides a solid return on common purchases, while the 1% on all other spending ensures that every dollar counts. However, potential users should be cautious. The card imposes a cap of $2,000 on the 5% cash back each quarter, which might limit rewards for heavy spenders in those categories. Furthermore, the variable APR can be steep, which is a concern if you plan to carry a balance. Credit scores of 670 and above are typically required for approval, which may exclude some applicants. In comparison to other cash back cards, the U.S. Bank Cash+® offers flexibility and a generous sign-up bonus, but it may not be ideal for those who prefer a simpler rewards structure without the need to manage category selections actively. Overall, it's a strong choice for strategic spenders who can take full advantage of its offerings.

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