U.S. Bank Cash+® Visa Signature® Card Review

Credit Card

Review

US Bank Cash Plus Visa Signature Credit Card Review

When it comes to credit cards with competitive rewards and benefits, the US Bank Cash+ Visa Signature Credit Card is a top choice. In this detailed review, we’ll delve into the features, benefits, and drawbacks of this card to help you make an informed decision.

With the US Bank Cash+ Visa Signature Credit Card, you can earn cash back on every purchase you make. Here’s what you need to know:

Highlights:

• Earn a generous $200 bonus when you spend $1,000 on eligible purchases within 120 days of opening your account.
• Get 5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories of your choice.
• Enjoy 5% cash back on prepaid air, hotel, and car reservations made directly in the Rewards Center.
• Earn 2% cash back on a category of your choice, such as Gas Stations/EV Charging Stations, Grocery Stores, or Restaurants.
• Receive 1% cash back on all other eligible purchases.
• Take advantage of a 0% introductory APR on purchases and balance transfers for the first 15 billing cycles, providing flexibility and savings.
• No annual fee, ensuring you can maximize your cash back rewards without any extra costs.

Pros:

• Benefit from 5% cash back on two categories of your choice, up to $2,000 in combined eligible purchases, each quarter.
• Enjoy 2% cash back on one everyday category, allowing you to earn rewards on your regular spending habits.
• Earn 1% cash back on all other eligible purchases, providing consistent rewards on your overall spending.
• Take advantage of the low introductory APR of 0% on purchases and balance transfers for the first 15 billing cycles, helping you save on interest.
• No annual fee, ensuring you can enjoy the benefits without any additional costs.

Cons:

• The card has a foreign transaction fee of 3% of the total transaction amount.
• The 5% cash-back rate is limited to $2,000 in combined purchases for chosen categories each quarter, which may restrict higher spenders.

Redeem Your Rewards Your Way:

With the US Bank Cash+ Visa Signature Credit Card, you have the flexibility to choose how you want to redeem your cash back rewards. Whether it’s a statement credit, a rewards card, or direct deposit into your U.S. Bank checking or savings account, the choice is yours. Plus, the minimum redemption is only $25!

Low Intro APR:

Take advantage of the US Bank Cash+ Visa Signature Credit Card’s 0% intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR applies, currently 19.74% – 29.74%. This appealing feature is perfect for those who want to make a big purchase or transfer their balance from another credit card without worrying about interest charges.

Experience the Additional Benefits of the U.S. Bank Cash+ Card

• Reward Yourself with Prepaid Travel: Get 5% cash back on prepaid air, hotel, and car reservations when you book directly in the Rewards Travel Center.
• Flexible Redemption Options: Choose how you want to receive your cash back – as a statement credit, a rewards card, or directly deposited into your U.S. Bank checking or savings account.
• Pay Over Time with ExtendPay: Enjoy a $0 fee offer on ExtendPay Plans for the first 60 days as a new card holder.
• Earn More Cash Back with Rewards Center Shopping Deals: Shop at over 1,100 online stores through the Rewards Center and earn even more cash back.
• Cash Back on Your Favorite Categories: Activate your Cash+ Categories and earn cash back on every eligible purchase. Redeem your cash back online whenever you want.

Enjoy These Additional Benefits:

• Instant Help for Lost or Stolen Cards: Easily report your lost or stolen card and Visa will assist in securing your account, providing a replacement card, and arranging emergency cash if needed.
• Convenient Contactless Payments: Simply tap and pay with ease wherever you see the contactless symbol.
• 24/7 Support from Visa: Have questions about your account? Contact our dedicated Visa representative for prompt assistance.
• Exclusive Visa Signature Privileges: Unlock special discounts with select partners and enjoy special status at participating hotels in the Visa Signature collection.
• Protect Your Identity with ID Navigator: Take advantage of Norton LifeLock’s complimentary service that provides credit monitoring and assistance in case of identity theft.
• Stay Protected Against Fraudulent Charges: Rest easy knowing that unauthorized transactions won’t be your responsibility.

Earn on your favorite categories:

To earn cash back, choose and activate your Cash+ Categories. You’ll earn with every eligible purchase. Redeem your cash back anytime online.

5% cash back on two categories you choose:

• Cell phone
• Department stores
• Electronic stores
• Fast food
• Home utilities
• TV, internet and streaming

More 5% cash back categories:

• Furniture stores
• Ground transportation
• Gyms/fitness centers
• Movie theaters
• Select clothing stores
• Sporting goods stores

2% cash back on one everyday category:

• Gas stations and EV charging stations
• Grocery stores and grocery delivery
• Plus, earn 1% cash back on all other eligible purchases.
• Restaurants

Compare the U.S. Bank Cash+® Visa Signature® Card with Other Popular Credit Cards

Find the perfect credit card that suits your spending habits and preferences. Let’s compare the U.S. Bank Cash+® Visa Signature® Card with two other popular options: the Wells Fargo Active Cash® Card and the Chase Freedom Flex℠.

U.S. Bank Cash+® Visa Signature® Card vs. Wells Fargo Active Cash® Card

Simplicity meets Choice. While both cards offer cash-back rewards programs, the U.S. Bank Cash+® Visa Signature® Card lets you earn an impressive 5% cash back on your choice of two categories, including gas, dining, and groceries. Plus, you’ll earn 2% cash back on another category of your choice and 1% cash back on all other purchases. The Wells Fargo Active Cash® Card, on the other hand, gives a flat 2% cash back on all purchases.

Get Rewarded from the Start. Enjoy a $200 cash rewards welcome bonus with the U.S. Bank Cash+® Visa Signature® Card when you spend $500 on purchases within the first three months of account opening. The Wells Fargo Active Cash® Card offers the same $200 cash rewards welcome bonus, but with a higher spending requirement of $1,000 within the same time frame.

Financial Flexibility. The Wells Fargo Active Cash® Card provides a 15-month 0% introductory APR on purchases and balance transfers, giving you more control over your finances. The U.S. Bank Cash+® Visa Signature® Card, however, does not offer a 0% introductory APR.

U.S. Bank Cash+® Visa Signature® Card vs. Chase Freedom Flex℠

the U.S. Bank Cash+® Visa Signature® Card and Chase Freedom Flex℠ are the top-tier credit cards that offer incredible earning potential and flexible rewards programs.

With the Chase Freedom Flex℠, you can earn 5% cash back on rotating quarterly categories, 5% cash back on travel through Chase Ultimate Rewards®, 3% cash back on dining and drugstores, and 1% cash back on everything else. Plus, get a $200 bonus after spending $500 in the first three months.

On the other hand, the U.S. Bank Cash+® Visa Signature® Card lets you earn 5% cash back on two categories of your choice and 2% cash back on another category. For all other purchases, you’ll receive 1% cash back. And don’t forget the $200 cash rewards welcome bonus when you spend $500 in the first three months.

What sets the U.S. Bank Cash+® Visa Signature® Card apart is its monthly customizable bonus categories. You can tailor your rewards to fit your lifestyle, ensuring you earn cash back on the purchases that matter most to you. While the Chase Freedom Flex℠ offers rewards in a wider range of categories, the U.S. Bank Cash+® Visa Signature® Card lets you personalize your rewards experience.

Choosing between the U.S. Bank Cash+® Visa Signature® Card and the Chase Freedom Flex℠ comes down to your spending habits and financial goals. Please take a closer look at their rewards structures and compare them to your lifestyle to determine which card is the perfect fit for you.

Should You Order the U.S. Bank Cash+® Visa Signature® Card?

Absolutely! With 5% cash back on two categories, 2% cash back on one everyday category, and 1% cash back on everything else, it’s one of the best cash back credit cards available. Plus, enjoy a 0% introductory APR on purchases and balance transfers for the first 15 billing cycles, and no annual fee. It’s a winning choice for those seeking a rewarding credit card experience.

Apply Online: Visit U.S. BANK CASH+® VISA SIGNATURE® CARD