Maximize Every Purchase with the U.S. Bank Cash+® Visa Signature® Card

See how one simple choice can turn your everyday expenses into meaningful rewards, without paying annual fees.

Stop missing out on rewards that fit your lifestyle. The U.S. Bank Cash+® Visa Signature® Card puts you in charge — earn more, spend smarter, and make every purchase count.

If you’re looking for a card that gives you more power, more freedom, and more money back, the U.S. Bank Cash+® Visa Signature® Card is built for you. It’s not just another cashback card — it’s a rewards engine designed around your choices.

With this card, you’re not locked into preset categories or limited earning options. Instead, you choose two 5% categories each quarter, select one 2% everyday category, and earn 1% cash back on everything else. It’s that simple.

From online shopping and streaming services to utilities and dining, this card puts you in control. Combine that with no annual fee, easy redemption options, and Visa Signature® protections, and you’ve got a financial tool that actually works for you — not the other way around.

CREDIT CARD

U.S. Bank Cash+® Visa Signature®

No annual fee 5% cash back

APPLY NOW You will be redirected

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

• 5% Cash Back Where It Counts

Choose your top two spending categories every quarter — think streaming subscriptions, home utilities, department stores, or fitness memberships — and earn an impressive 5% cash back on the first $2,000 in combined purchases.

This customization lets you maximize your return every three months, so you never leave rewards on the table.

• 2% Back on Everyday Essentials

Pick one everyday category — gas stations, grocery stores, or restaurants — and earn 2% cash back year-round. From weekly shopping trips to family dinners, your regular purchases become opportunities to save.

• 1% on Everything Else

All other purchases automatically earn 1% cash back — because every dollar you spend should bring something back to you.

• No Annual Fee, Full Value

Earn all these rewards without paying an annual fee. It’s an accessible card that offers premium value, no matter your budget.

• Visa Signature® Perks

Enjoy added benefits like extended warranties, purchase protection, and travel insurance, giving you confidence whether you’re at home or abroad.

Strengths and How Consumers Benefit

The U.S. Bank Cash+® Visa Signature® Card is one of the few products that combines personalization and simplicity. Instead of forcing a one-size-fits-all structure, it lets you decide what’s important each quarter.

That makes it ideal for households managing changing expenses, professionals balancing personal and business costs, and anyone who values transparency. The card’s structure encourages smart spending habits and ensures you’re always earning where it matters most.

Present the Potential Savings and Advantages

This card is more than just rewards — it’s a real savings tool. By strategically selecting your 5% categories, you could earn hundreds of dollars back each year. Add in your 2% and 1% categories, and your total savings grow effortlessly with every transaction.

Because there’s no annual fee, your earnings aren’t offset by extra costs. Every reward is profit. That’s the kind of long-term value consumers appreciate — steady, consistent, and flexible.

Optimized for Everyday Spending

No matter how your expenses shift, this card adjusts with you. Planning a home improvement project? Choose utilities and hardware stores. Traveling more this quarter? Select hotels and dining.

You’re never locked in — you’re always in charge. This flexibility is what sets the U.S. Bank Cash+® Visa Signature® Card apart from static reward systems.

Security Benefits that Protect Your Finances

Financial freedom comes with protection. The card’s Zero Liability Policy ensures you’re not responsible for unauthorized charges. Add to that 24/7 fraud monitoring, EMV chip technology, and contactless payment compatibility, and you get total security for every purchase.

It’s also compatible with Apple Pay®, Google Pay™, and Samsung Pay®, offering encrypted, fast, and secure digital transactions.

Eligibility Criteria

Applicants typically need good to excellent credit (around 700 FICO® or higher), U.S. residency, and proof of income. A clean payment record and responsible credit history improve approval chances.

Application Process

1. Go to the official U.S. Bank website.
2. Select the U.S. Bank Cash+® Visa Signature® Card.
3. Click “Apply Now.”
4. Enter your personal and financial details (name, SSN, income, contact).
5. Review all disclosures carefully.
6. Submit your application.

Decisions are typically instant. Once approved, your card will arrive in 7–10 business days, ready to activate and start earning rewards immediately.

Frequently Asked Questions

1. How does the 5% category system work?
You select two 5% categories each quarter and earn on up to $2,000 in combined purchases.

2. Do I have to pay an annual fee?
No. This card offers all its benefits with zero annual fee.

3. Can I use the card internationally?
Yes — the U.S. Bank Cash+® Visa Signature® Card is accepted worldwide through the Visa network.

4. How do I redeem my rewards?
You can redeem cash back as a statement credit, direct deposit, or gift card through your online U.S. Bank account.

CREDIT CARD

U.S. Bank Cash+® Visa Signature®

No annual fee 5% cash back

APPLY NOW You will be redirected