U.S. Bank Cash+® Card Review: Up to 5% Cash Back and No Annual Fee

U.S. Bank Cash+® Card Overview

The U.S. Bank Cash+® Visa Signature® Card is a flexible cash back credit card offering up to 5% cash back in categories you choose each quarter.

There is no annual fee, making it a budget-friendly pick for maximizing rewards with no ongoing costs.

Introductory 0% APR applies for the first 15 billing cycles, both on purchases and balance transfers, followed by a variable APR (currently 17.99% – 28.24%).

New cardholders can earn a $200 cash back bonus after meeting a minimum spending threshold in the first 90 days.

The minimum credit needed for approval is generally good to excellent, but U.S. Bank also offers secured cards for those building credit.

How to Apply Step by Step

First, decide if you meet the general credit requirements (good to excellent credit).

Navigate to the U.S. Bank application portal for the Cash+® Visa Signature® Card.

Complete the online application form with your personal and financial details.

Review the terms, conditions, and rates before submitting your application.

Await a quick decision; if approved, the card will be mailed to your address.

Key Advantages

The flexibility to choose two spending categories per quarter for 5% cash back makes this card stand out.

No annual fee and a strong sign-up bonus increase the card’s appeal for both new and existing users.

Possible Drawbacks

Enrollment in bonus categories is required every quarter, so missing this step means you won’t maximize cash back.

Returns and credits will reduce your eligible net purchases and therefore reduce your earned rewards as well.

Final Verdict

The U.S. Bank Cash+® Visa Signature® Card is a great fit for those who want high rewards in their chosen areas and have the discipline to enroll quarterly.

With no annual fee, a compelling intro APR, and a valuable cash back structure, this credit card is well-suited for most everyday spenders.