SmartRatesUSA
Credit Card Review⚡ Best Custom 5%

U.S. Bank Cash+® Visa Signature®

Issued by U.S. Bank

5% on two chosen categories (up to $2,000/qtr), 2% on one everyday category, 1% on all other purchases — plus $200 cash back after $1,000 spend in first 120 days.

At a Glance

Annual Fee

$0

Purchase APR

17.74%–27.99%

Rewards Rate

5% on two chosen categories (up to $2,000/qtr), 2% on one everyday category, 1% on all other purchases

Min. Credit Score

660+ (est.)

Intro APR

0% on purchases & balance transfers for 15 billing cycles

Sign-Up Bonus

$200 cash back after $1,000 spend in first 120 days

Rates & Fees

Annual Fee

$0

Purchase APR

17.74%–27.99% variable

Intro APR

0% on purchases & balance transfers for 15 billing cycles

Foreign Transaction Fee

Around 3% (confirm current terms with U.S. Bank)

Balance Transfer Fee

3% intro during the first 15 billing cycles, then up to 5% ($5 min)

Cash Advance Fee

5% or $10 minimum, whichever is greater

Late Payment Fee

Up to $41

Estimate Your Rewards

See how this card fits your monthly spending

Enter your typical monthly spend by category to see roughly what the U.S. Bank Cash+® Visa Signature® would earn you per year (this doesn't include any one-time sign-up bonus).

$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo

Note: This card's 5% and 2% rates apply to categories you choose each quarter from a list of 12+ options — too variable to model generically here. Visit U.S. Bank to select your categories.

Est. Annual Rewards

$234/yr

After $0 Annual Fee

$234/yr

Based On

$1,950/mo

Key Features

Choose two 5% categories from a list of 12+ options (TV, streaming, home utilities, fast food, etc.)

5% on prepaid travel in Rewards Center

No annual fee

Pros & Cons

Pros

  • Most flexible 5% category structure available
  • Unique categories like TV/internet, home utilities, and cell phone
  • Best welcome bonus at $250 for a no-fee card

Tradeoffs

  • $2,000/quarter cap on 5% rate
  • Must re-select categories each quarter
  • 5% limited to two categories only

How to Apply

Check whether your credit profile is a reasonable fit — U.S. Bank generally looks for applicants around 660+ FICO for the U.S. Bank Cash+® Visa Signature®, alongside income and existing debt.

Gather your Social Security number, annual income, housing payment, and employer details before starting the application.

Apply directly through U.S. Bank's official site or app to make sure you're getting current, accurate offer terms.

Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.

If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.

How It Compares

Current product highlighted
ProductAnnual FeePurchase APRRewards Rate
U.S. Bank Cash+® Visa Signature®$017.74%–27.99%5% on two chosen categories (up to $2,000/qtr), 2% on one everyday category, 1% on all other purchases
Citi Double Cash® Card$017.49%–27.49%2% on everything (1% when you buy + 1% when you pay)
American Express® Gold Card$32519.49%–28.49%4x restaurants (up to $50k/yr) & US supermarkets (up to $25k/yr), 5x prepaid hotels, 3x flights
Discover it® Cash Back$017.49%–26.49%5% in rotating quarterly categories (up to $1,500/qtr), 1% everything else

Frequently Asked Questions

What credit score do I need for the U.S. Bank Cash+® Visa Signature®?

U.S. Bank generally looks for applicants with a credit score around 660+ for the U.S. Bank Cash+® Visa Signature®, though approval also depends on your income, existing debt, and overall credit profile — not credit score alone.

What's the annual fee on the U.S. Bank Cash+® Visa Signature®?

The U.S. Bank Cash+® Visa Signature® has no annual fee, so there's no ongoing cost to keep the card open.

Does the U.S. Bank Cash+® Visa Signature® have a sign-up bonus?

Yes — new cardholders can currently earn $200 cash back after $1,000 spend in first 120 days. Bonus terms and required spend change over time, so confirm the current offer on U.S. Bank's site before applying.

What fees should I watch for on the U.S. Bank Cash+® Visa Signature®?

Beyond the annual fee, check the foreign transaction fee (Around 3% (confirm current terms with U.S. Bank)), balance transfer fee (3% intro during the first 15 billing cycles, then up to 5% ($5 min)), cash advance fee (5% or $10 minimum, whichever is greater), and late payment fee (Up to $41). These matter most if you carry a balance, transfer debt, or use the card internationally.

How does the U.S. Bank Cash+® Visa Signature® compare to similar cards?

The U.S. Bank Cash+® Visa Signature® is one of several cashback cards worth comparing side by side — see the "How It Compares" table on this page for a few close alternatives, or browse the full list of cashback cards for more options.

Other Credit Cards

Citi Double Cash® Card

2% on everything (1% when you buy + 1% when you pay)

American Express® Gold Card

4x restaurants (up to $50k/yr) & US supermarkets (up to $25k/yr), 5x prepaid hotels, 3x flights

Discover it® Cash Back

5% in rotating quarterly categories (up to $1,500/qtr), 1% everything else

Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.

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