U.S. Bank Cash+® Visa Signature® Card Reviews: Is It Worth It? (2026)Reviews, rates, fees, and rewards details for The U.S. Bank Cash+® Visa Signature® Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees0% intro APR on purchases0% intro APR on balance transfersHigh rewards rateSpending caps on rewardsBalance transfer feeHigh regular APRForeign fee
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
The U.S. Bank Cash+® Visa Signature® Card is a good cash back credit card for people with good or excellent credit who want the opportunity to earn lots of bonus rewards without paying an annual fee. The U.S. Bank Cash+ offer starts with an easy-to-earn sign-up bonus: $200 for spending $1,000 in the first 90 days. There’s no letup with its ongoing rewards, either, as cardholders earn 5% cash back on up to $2,000 spent in two bonus categories each quarter, plus unlimited 2% cash back in one quarterly bonus category and 1% back on everything else. Info about the U.S. Bank Cash+® Visa Signature® Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.2/5
240 reviewsRead and write reviews
Editor’s Review
4.5/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
4.1
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases” for this card.
Fees
4.0
Rewards
5.0
Cost
4.3
APR
3.9
4.1/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit
U.S. Bank Cash+ Annual Fee
$0
U.S. Bank Cash+ APR on Purchases
0% intro APR for 15 billing cycles, 17.74% - 27.99% (V) APR after that
U.S. Bank Cash+ Balance Transfer
0% intro APR for 15 billing cycles, 17.74% - 27.99% (V) APR after that
Balance Transfer Fee:3% (min $5)
U.S. Bank Cash+ Rewards
$200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
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 Travel Center.
2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants.
1% cash back on all other eligible purchases.
Terms and conditions apply.
U.S. Bank Cash+'s Additional Info
0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 17.74% - 27.99%.
The U.S. Bank Cash+® Visa Signature® Card is a good cash back credit card for people with good or excellent credit who want the opportunity to earn lots of bonus rewards without paying an annual fee. The U.S. Bank Cash+ offer starts with an easy-to-earn sign-up bonus: $200 for spending $1,000 in the first 90 days. There’s no letup with its ongoing rewards, either, as cardholders earn 5% cash back on up to $2,000 spent in two bonus categories each quarter, plus unlimited 2% cash back in one quarterly bonus category and 1% back on everything else.
The U.S. Bank Cash+ Card has a $0 annual fee, but you do have to pay a price in terms of hassle and uncertainty if you want to enjoy its high rewards earning rates. Cardholders must register their chosen bonus categories each quarter to get the 2% and 5% cash back rates. Only eligible purchases made after registration and before the quarter’s end qualify. And the categories available for cardholders to choose from are subject to change, so it’s hard to forecast how well it will suit your spending habits.
U.S. Bank Cash Plus Review Highlights
Nice Sign-Up Bonus. At $200 for spending $1,000 within 90 days of opening an account, you’re earning 20% back right off the bat. And that’s in addition to the normal rewards you’ll get for those initial purchases. The average initial bonus on a cash back credit card is $236.
Pick Two 5% Rewards Categories Each Quarter. Get 5% cash back on your first $2,000 in total purchases each quarter in two spending categories. You get to pick the categories, but only from U.S. Bank’s list of available options for that particular quarter. The categories are subject to change, and you’ll only earn the bonus rate on purchases made after you register your category choices for the quarter.
Pick One 2% Rewards Category Each Quarter. U.S. Bank Cash+ gives unlimited 2% cash back in a category of your choice. The only downside is you have to register your chosen category each quarter, or you’ll earn 1% back on purchases that would otherwise qualify. Plus, there’s no guarantee your favorite category will always be an option.
No Annual Fee. The U.S. Bank Cash+ Card’s $0 annual fee makes it $27.85 per year cheaper than the average credit card. Many bonus cash back credit cards charge a lot more than that, too.
Best for Everyday Purchases. U.S. Bank Cash+ is not the card to use for purchases that will take a long time to pay off, considering its APR could be 17.74% - 27.99% (V), depending on your creditworthiness. There’s a 0% intro APR for 15 billing cycles on new purchases.
Above-Average Balance Transfer Offer. At 0% for 15 billing cycles with a 3% (min $5) fee, the U.S. Bank Cash+ Card’s transfer terms are good compared to what the average 0% balance transfer card brings to the table: 0% for 13 months with a 3.33% fee.
Not the Best for International Use. U.S. Bank Cash Plus is a chip-and-PIN credit card, which makes it easier to use abroad and more secure overall. But that bit of international appeal is offset by the card’s 3% foreign transaction fee.
People with a credit score of 700+ have the best odds of being approved for the U.S. Bank Cash+® Visa Signature® Card. You can check your latest credit score for free on WalletHub.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
3.2
Market Comparison
4.1
fees: 4.0
rewards: 5.0
cost: 4.3
APR: 3.9
4.5WalletHub Rating
WalletHub Rating
4.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.4
Market Comparison
4.5
fees: 5.0
cost: 4.4
APR: 4.4
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
4.2
fees: 3.8
rewards: 4.3
cost: 4.6
Other Features: 0.0
(240)
(2,250)
(894)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APR0% for 15 billing cycles
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
transfer intro apr0% for 15 billing cycles|Transfer Fee:3% (min $5)
transfer intro apr0% for 18 months|Transfer Fee:3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
transfer intro apr0% for 15 months|Transfer Fee:Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Can't find what you are looking for? Submit your question about U.S. Bank Cash+® Visa Signature® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can redeem your U.S. Bank Cash+ card rewards online or through the mobile app. You can also redeem rewards by calling (888) 229-8864 or the number you see on the back of your card.
Choose your desired redemption option and follow the prompts to complete your request.
U.S. Bank Cash+ Card Rewards Redemption Options
Cash back: You can simply have your cash back rewards deposited into your U.S. Bank deposit account (savings, checking, or money market accounts). This option requires redeeming at least $25.
Statement credit: Your cash back rewards can be applied to reduce your balance but will not count toward your minimum payment. This option requires redeeming at least $25.
U.S. Bank Rewards Card: You can also redeem your rewards as a prepaid U.S. Bank Rewards Card. This option requires redeeming at least $25 ($5 increments thereafter).
Real-Time rewards: You can enroll in Real-Time rewards to use your cash back rewards as you make your eligible purchases. There's a $10 minimum redemption for Real-Time Rewards.
Don't forget that the U.S. Bank Cash+ card rewards expire 36 months after the billing cycle in which they were earned.
The U.S. Bank Cash+® Visa Signature® Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the U.S. Bank Cash+.
Note that while your credit score is very important, plenty of other things will impact your chances of being approved for the U.S. Bank Cash+. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.
The U.S. Bank Cash+ sign-up bonus is $200 cash back for spending $1,000 in the first 90 days.
In addition to the bonus, the U.S. Bank Cash+ offers 1 - 5% cash back on purchases. Its annual fee is $0, and the card is available to people with good credit or better.
The U.S. Bank Cash+® Visa Signature® Card does not offer rental car insurance. But there are other U.S. Bank cards that do have this benefit, which covers theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees and reasonable and customary towing charges, due to a covered theft or damage to the nearest qualified repair facility. Cardholders are covered up to the actual cash value of rental vehicles with an original manufacturer's suggested retail price...
The U.S. Bank Cash+ starting credit limit is between $1,000 - $1,500, but that's not a given.
Your credit limit is decided based on many factors, such as your income, existing debts, credit history and overall creditworthiness.
If you're not satisfied with your starting credit limit, you can request an increase after 6 months of responsible credit utilization. U.S. Bank will also periodically review your account to see if you're eligible for an increase.
To log in to your U.S. Bank Cash+® Visa Signature® Card account, go to U.S. Bank's website or mobile app, enter your username and password in the appropriate fields, and click the button to sign in. If you don't already have an online account with U.S. Bank, you'll need to enroll first and set up a username and password.
How to Log in to Your U.S. Bank Cash+ Account
Visit U.S. Bank's website or app. Navigate to the login box...
The U.S. Bank Cash+ categories for bonus rewards include fast food, department stores, home utilities and more. More specifically, with the U.S. Bank Cash+ you get 5% cash back on two categories of your choice (up to $2,000 each quarter), 5% back on prepaid air, hotel and car reservations booked in the Rewards Center, 2% on your choice of one everyday category (like gas stations, grocery stores or restaurants) and 1% on all other purchases. If you don't select your cash back categories each quarter, you won't receive any bonus cash back other than 1%, which applies to all purchases.
Cardholders can activate their new U.S. Bank Cash+ bonus categories 45 days before the start of each quarter, and up to 5 days before the quarter ends. Keep...
The U.S. Bank Cash+® Visa Signature® Card reports to the credit bureaus once each month, within days after the end of your monthly billing period. U.S. Bank reports the card's credit limit, account balance, payment status, and more to TransUnion, Equifax, and Experian.
After the U.S. Bank Cash+ card reports your account information to a credit bureau each month, it may take a few days before the updates appear on your credit report. When you first open a new U.S. Bank Cash+ credit...
The easiest way to apply for the U.S. Bank Cash+ card is online, and you can get to the online by going directly to U.S. Bank's website. Alternatively, you can apply by phone and in person.
Keep in mind that the U.S. Bank Cash+ card requires Good credit, which means you need a 700+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score. So,...
Yes, the U.S. Bank Cash+ card accepts joint applications. Co-applicants are accepted for all U.S. Bank credit card products. For assistance with an application you can call the relationship banking team at (800) 532-4019. They are available Monday through Friday from 7 a.m. to 10 p.m. CT and Saturday from 9 a.m. to 5 p.m. CT.
You can also add a joint owner to your credit card after you've been approved. Simply call the number on the...
Share your insights and review for the U.S. Bank Cash+® Visa Signature® Card
5
18%
4
14%
3
51%
2
6%
1
11%
3.2
240 reviews
240 reviews
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Stew Cearley @stewcearley
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3 Star Rating
Good News Bad News... Good News: it offers a high 5% reward for transactions in your choice of two category groups and 2% in a second group of categories. All other purchases are rewarded with 1%. The 2% and 5% are treated as "Bonus" rewards where you initially only receive 1% and, if the purchase qualifies, you get an additional 1% or 4% to reach the total of 2% or 5%. Bad News: it is a gamble when you use the card for a purchase in the selected category. They use an opaque coding system supposedly utilized by the merchant to define the transaction. After using the card, I have found that about 25% of purchases from merchants that are clearly in a selected category are denied due to the "Transaction Code" technicality. There is no way to determine the category code in advance for any transaction at the time of purchase. It is a trial and error, kind of like a lottery program. Even worse at one time the additional Bonus was shown but now when you receive your statement or check the online system, the "Bonus" received is a lump sum without any documentation on which purchases were rewarded and which were not. I prefer a program where I can easily understand the process and results. The card system is a "Trust us and hope for the best" approach, but you must accept their rewards results as the correct rewards.
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0
0
Norman @tiltlittle
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2 Star Rating
Verified Customer
I would love to give it more stars, but as others are saying, the 5% cash back can be ridiculously troublesome—and perhaps it's best to look elsewhere for other similar cards.
One of my 5% categories was 'Electronics'—you'd think Samsung Electronics and Sonos would apply, right? Nope, here's your 1%.
And I will have to call, wait weeks, etc., to get a review of IF they can change it—a bit too much hassle for something that should be clear-cut/simple.
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dds_student83 @dds_student83
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1 Star Rating
US-Bank could hold your money for 7-10 business days after it has been cleared from your checking account before being applied towards your credit card statement balance.
You have to call their so-called customer service during business hours and be kept on the line for 20-30 minutes while they call your bank on a conference call, listening to your confidential information as your bank verifies your identity. This occurs even though you had already consented to the payment when you initiated it on the US-Bank app.
Essentially, they withhold access to your funds for several business days, so you cannot use it either through your checking account or as available credit on your US-Bank credit card. You're required to call their customer service to prompt them to apply the payment towards the statement balance. If your bank's policy does not allow for this process without visiting a branch since they have already cleared the funds, you must take time off work to resolve an issue that US-Bank has created for a transaction that should take just 2 minutes through the app. This issue does not arise with any other credit card I have ever had, except for this US-Bank Cash Plus credit card.
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Me Me @pschultzwv
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2 Star Rating
Beware! Categorizing a joke. McDonald's & Taco Bell not fast food but food & dining. 1% and not 5%. How are they not fast food?!
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3
0
charleslionheartii @charleslionheartii
What restaurants categorize themselves as is not up to the card company. It's based on how the restaurant bills you, and they bill you as a restaurant/dining company, not as fastfood. Because it is reliant on the specific restaurant/chain and how they categorize themselves when they bill you, your statement applies to all rewards credit cards, not just this one. I hope this helps! (Not a paid spokes person for any credit card or company).
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Robert Johnson @usbanksucks
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1 Star Rating
The 5% categories are somewhat misleading. They will selectively cover only a sliver of what you might expect to be included in the categories. I recently purchased a sectional sofa from West Elm, which I think everyone could reasonably expect to be included under "furniture stores." Indeed, the merchant code came through as code 5719 "Miscellaneous Home Furnishing Specialty Stores," which sounds like it would fit. However, US Bank decided that they would only cover code 5712 "Furniture, Home Furnishings, and Equipment Stores, Except Appliances."
In speaking with customer service, I received repeated statements of "we're sorry, we can't control how the merchants decide to categorize their transactions" without taking any responsibility whatsoever for their choice to pretend that "home furnishing specialty stores" aren't furniture stores. This ended up being approximately $80 of cash back rewards that was taken away.
If you're looking for a card with categories you regularly use, you can discover over time what is or isn't included in that category. For this card, when you intend to change categories frequently to take advantage of good rewards on big purchases, you don't have the chance to feel it out, and you're just counting on the card issuer to be trustworthy and define their categories appropriately.
US Bank is not trustworthy in that way, and will take every opportunity to rip you off.
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Sa Kenoy @kenoy
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5 Star Rating
I have a great experience with this card. The app is great and I can easily access my account. It would be my main card but they don’t have any balance transfer offer lately unlike my BofA, BANK OF THE WEST, Citi or citizen bank.
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NA LA @DesertFern
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1 Star Rating
I have a $248,000 income, 785 credit score, 4% credit card usage level, 100% on time payments, no negative remarks on my credit history, and 3 other credit cards - each with a $19,000 limit, $14,000 limit, and $12,000 limit respectively. I applied for this card because of potential rewards I could not get with my existing credit cards. The approval process was exceptionally long and drawn out - taking numerous weeks, and they finally gave me a $500 credit limit. This wouldn’t even cover the major item I wanted to buy at the store I wanted to use the card for rewards at. This is the only credit card I have applied for in a year because I make it a point not to apply for more than one or take too many credit inquiry hits. What a waste of an annual application. To think I chose this card over 5 other ones I was considering. Completely and utterly useless.
Also, I just found out that every time you request a credit increase, they will do a HARD credit check. No other credit card I have does this. They only do a hard check when you apply, and soft pulls when you request an increase. So it feels like to get this horrendous $500 limit card anywhere to a point where it could be useful, I would have to suffer a plethora of hard inquiries visible on my credit report. Who would want that? What is US Bank thinking? Why is a hard credit check even necessary for a credit limit increase when so many other credit card companies and banks have no need for this?
I was prepared to build a relationship with this bank and even open a bank account, and use some of their other services. But this is a terrible start and given these backwards-thinking policies that negatively impact their customers and do not compare well to other banks/card companies, I am seriously reconsidering having any other relationship with them and taking my business elsewhere. This card might just wind up sitting on the shelf.
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Corey McCann @mccanncj1
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1 Star Rating
This is clearly the worst rewards card I have ever made the mistake of choosing. Even once you get past the incredibly annoying process of logging into the rewards website (not part of US Bank website) and select your rewards categories for the quarter, the rewards are not clearly earnable based on the system described on the website. My expenses at "Qualified Grocery Merchants" (Harris Teeter, Publix) are not considered "Grocery". My expenses at "Qualified Ground Transportation" (Uber, Lyft) are not considered "Ground Transportation". Sure, the website warns "not all vendors are coded the same", but I have been trying for months at "Qualified Merchants" and been unsuccessful in earning a single rewards points. Please save yourself and avoid this card at all costs.
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rob_catharsis @rob_catharsis
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1 Star Rating
US Bank called me in 2013 and sold me on upgrading my card. My old card was closed out and all of my credit history erased. To this day I am still effected by this since it was my oldest card by 10 years. They also changed the UI on their site causing me to miss two payments.. they added a second submit button when previously there was only one button. So to put it simply, US Bank had a big effect on making my life much more difficult than it should have been. I had 14 cards at the time and not a single issue...
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Travis @travisb_32
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5 Star Rating
Verified Customer
I got approved for a 7500 limit! They pulled my transunion report! Which is my lowest score! I think the score they said i had was wrong! They said i had a 628! And they gave me a 7500 limit?? Doesnt seem right!
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Travis @travisb_32
By the way I have a platinum card with US bank also! And a checking account and savings!
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* The information about the following cards has been independently collected by WalletHub: U.S. Bank Cash+® Visa Signature® Card and U.S. Bank Altitude Reserve Visa Infinite® Card.
2026 WalletHub Awards
U.S. Bank Cash+® Visa Signature® Card is an Editor's Pick for:
