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U.S. Bank Cash+ Visa Signature Credit Card

The U.S Bank Cash+ Visa Signature Card is an ideal option for anyone who wants to maximize their spending power while minimizing the amount of fees they pay on their purchases

U.S. Bank Cash+ Visa Signature Credit Card
Source: Google

In the ever-evolving world of personal finance, the U.S. Bank Cash+® Visa Signature® Card stands out as a flexible and potentially rewarding option. This card is not just another piece in your financial toolkit; it’s a strategic asset tailored to optimize your spending habits. With a complex but beneficial rewards structure, it offers up to 5% cash back in select categories, appealing to those willing to put in the effort to maximize their returns.

Imagine earning cash back on daily essentials like groceries and gas, or on recurring expenses like streaming services and cell phone bills. This card transforms routine purchases into savings opportunities, making it an excellent secondary card for those looking to supplement their primary credit card. The U.S. Bank Cash+® Card, with no annual fee, is a smart choice for the financially savvy individual.

U.S. Bank Cash+ Visa Signature
Flexible redemption Rewards on prepaid travel
Take advantage of this card

Visa Signature Benefits

The U.S. Bank Cash+ Visa Signature Card is more than just a cash back card; it’s part of the exclusive Visa Signature program. This offers cardholders a range of additional perks, from discounts at partner merchants to enhanced status at Visa Signature hotels. These benefits elevate the card beyond a simple spending tool, offering luxury and convenience at no extra cost.

Furthermore, the card includes identity theft protection services from Norton LifeLock, ensuring your personal information remains secure in an increasingly digital world. The U.S. Bank Cash+ Visa Signature Card isn’t just about saving money; it’s about investing in your security and lifestyle, making every purchase more rewarding and secure.

Special Advantages and Benefits

  1. Welcome Bonus: Earn a $200 bonus after spending $1,000 in the first 120 days.
  2. Earning Rewards: Up to 5% cash back in chosen categories on the first $2,000 each quarter.
  3. Redeeming Rewards: Cash back can be redeemed for statement credits, rewards cards, or deposited directly into a U.S. Bank account.
  4. 0% Intro APR: Enjoy 0% APR on purchases and balance transfers for the first 15 billing cycles.
  5. No Annual Fee: Maximize your rewards without worrying about an annual fee.
  6. Real-Time Rewards: Enroll to apply your rewards directly to purchases.

Additional Benefits of the U.S. Bank Cash+ Visa Signature Card

Rewards on Prepaid Travel: This card offers an enticing 5% cash back on prepaid air, hotel, and car reservations when booked directly through the U.S. Bank Rewards Center. For frequent travelers, this benefit can lead to significant savings, turning every trip into an opportunity to earn substantial rewards.

Pay Over Time with a U.S. Bank ExtendPay Plan: This feature allows cardholders to manage larger purchases more effectively. With ExtendPay Plans, you can divide eligible credit card purchases into manageable monthly payments with no interest, only a fixed monthly fee. This flexibility makes it easier to budget for big-ticket items without incurring the typical interest costs associated with credit card purchases.

Qualification Requirements

U.S. Bank Cash+ Visa Signature Credit Card
Source: U.S. Bank Cash+ Visa Signature Credit Card

To be eligible for the U.S. Bank Cash+ Visa Signature Card, applicants typically need good to excellent credit. The bank will consider your credit history, income, and other financial factors to determine eligibility.

How to Apply for the U.S. Bank Cash+ Visa Signature® Card: A Simple Step-by-Step Guide

Applying for the U.S. Bank Cash+ Visa Signature Card is a straightforward process that can be completed in a few easy steps:

  1. Visit the U.S. Bank Website: Start by navigating to the U.S. Bank website. Look for the credit cards section, where you can find detailed information about the U.S. Bank Cash+ Visa Signature Card.
  2. Review Card Details: Before applying, take a moment to review the card’s features, benefits, and terms. This includes understanding the rewards structure, APR rates, fees, and any additional cardholder benefits.
  3. Check Your Eligibility: Ensure you meet the basic eligibility criteria for the card. This typically includes having a good to excellent credit score, being a U.S. resident, and meeting certain income requirements.
  4. Complete the Application Form: Click on the “Apply Now” button to start your application. You will need to provide personal information such as your name, address, Social Security number, and annual income. This information is crucial for the bank to assess your creditworthiness.
  5. Submit Supporting Documents: Depending on your situation, you may be asked to provide additional documentation, such as proof of income or identity.
  6. Wait for Approval: After submitting your application, there will be a processing period where U.S. Bank reviews your application. This can take a few days to a few weeks. During this time, you may be able to check the status of your application online.
  7. Receive Your Card: Once approved, your U.S. Bank Cash+® Visa Signature® Card will be mailed to you. You should receive it within a few business days, along with information on how to activate it and start enjoying your new card’s benefits.


What are the foreign transaction fees?

The card charges a foreign transaction fee of 2-3%.

How do I choose my 5% cash back categories?

Categories can be selected each quarter through the U.S. Bank online portal or mobile app.

Is there a limit to the cash back I can earn?

Yes, the 5% cash back rate is limited to the first $2,000 in combined purchases per quarter in chosen categories.

What happens after the 0% intro APR period?

A variable APR of 19.74% – 29.74% applies after the initial 15 billing cycles.

U.S. Bank Cash+ Visa Signature
Flexible redemption Rewards on prepaid travel
Take advantage of this card

Written By

Formado em direito Especialista em economia, investimento e finanças pessoal. Seu foco é mudar a vida financeira das pessoas.