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With no annual fee and a high cashback potential, it’s designed for strategic spenders who want to maximize their rewards on everyday purchases.
Disclaimer: You will be redirected to the official website.
Benefits of U.S. Bank Cash+ Card
- Earn 5% cashback on two categories of your choice (on up to $2,000 in combined purchases per quarter)
- Get 2% cashback on one everyday spending category (such as gas, groceries, or dining)
- Receive 1% cashback on all other purchases with no limits
- No annual fee, keeping more money in your pocket
- 0% Intro APR for 15 months on purchases and balance transfers
- Redeem cashback as statement credits, direct deposits, or gift cards
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Pros
- Customizable 5% and 2% cashback categories for tailored rewards
- No annual fee, maximizing your savings
- 0% intro APR for 15 months on purchases and balance transfers
- Flexible redemption options including statement credits and direct deposit
- Quarterly category selection allows for optimized rewards
Cons
- Category selection required every quarter, which may be inconvenient
- 5% cashback capped at $2,000 in quarterly purchases
- Redemption minimum of $25 for statement credits or direct deposit
about the card
The U.S. Bank Cash+® Visa Signature® Card is one of the most flexible cashback cards available, allowing cardholders to customize their earning potential. The ability to choose two 5% categories and one 2% category every quarter means you can optimize rewards based on your spending habits.
Unlike many cashback cards with fixed reward categories, this card adapts to your lifestyle. Whether you’re spending more on groceries, travel, or home utilities, you can adjust your selections every quarter to ensure maximum earnings.
The 0% introductory APR for 15 months on purchases and balance transfers makes it an excellent choice for those looking to finance a big purchase or consolidate existing credit card debt. Plus, with no annual fee, all your cashback earnings stay in your pocket.
If you’re looking for flexibility, high cashback rates, and a straightforward rewards program, the U.S. Bank Cash+® Visa Signature® Card is an excellent choice.
How to Apply for the u.s. bank cash+ Card
- Check your credit score (good to excellent credit recommended)
- Visit the U.S. Bank website and navigate to the Cash+ Visa Signature Card page
- Complete the online application with your personal and financial details
- Select your cashback categories for the upcoming quarter
- Review and agree to the terms and conditions
- Submit your application and wait for approval (typically within 7-10 business days)
Disclaimer: You will be redirected to the official website.
HOW TO EARN REWARDS FOR THIS CARD
| Category | Cashback Earned |
|---|---|
| Two chosen categories (rotating quarterly) | 5% (on up to $2,000 per quarter) |
| One everyday category (gas, groceries, or dining) | 2% |
| All other purchases | 1% |
Each quarter, you can reassess your spending and choose categories that align with your lifestyle. Whether it’s streaming services, travel, home improvement, or utilities, you’re in control of how you earn.
This level of customization makes it ideal for anyone who wants to maximize their spending in the areas that matter most to them.
ENJOY A TAILORED REWARD EXPERIENCE
The U.S. Bank Cash+® Visa Signature® Card is one of the few cards that lets you decide where you earn the most rewards. Unlike other cashback cards that force you into pre-set categories, this card allows true flexibility.
Each quarter, you can reassess your spending and choose categories that align with your lifestyle. Whether it’s streaming services, travel, home improvement, or utilities, you’re in control of how you earn.
This level of customization makes it ideal for anyone who wants to maximize their spending in the areas that matter most to them.
How to Improve Your Credit Score to Get Approved for the u.s. bank cash+ visa signature credit CARd
A strong credit score is essential to qualify for premium cashback cards like the U.S. Bank Cash+® Visa Signature® Card. Here are some tips to boost your credit score:
- Always pay on time – Your payment history makes up 35% of your credit score. Set up automatic payments to avoid late fees.
- Keep credit utilization low – Try to use less than 30% of your credit limit at any time.
- Limit new credit applications – Too many hard inquiries in a short period can temporarily lower your score.
- Check your credit report regularly – Look for errors and dispute inaccuracies immediately.
- Maintain older accounts – The length of your credit history affects your score, so keep long-standing accounts open.
By practicing responsible credit habits, you can increase your score and qualify for even better financial products.
FINAL CONSIDERATIONS
The U.S. Bank Cash+® Visa Signature® Card is one of the best customizable cashback cards on the market. The ability to choose your 5% and 2% categories each quarter makes it unique and ideal for savvy spenders who want full control over their rewards.
If you’re looking for a high-earning cashback card with no annual fee, this is an excellent option. The 0% intro APR for 15 months also makes it great for large purchases or balance transfers, allowing you to save money on interest.
Additionally, U.S. Bank’s security features, mobile wallet compatibility, and flexible redemption options make this card a well-rounded choice for everyday use. If you’re willing to actively manage your categories, you can unlock substantial cashback earnings year-round.