This offer is no longer available on our site: U.S. Bank Cash+™ Visa Signature® Card

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3. U.S. Bank Cash+™ Visa Signature® Card: Take control of your cash back

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29

reviews

3.5

Rating: 3.5 out of 5.

Great for cash back that fits your life

Annual Fee: $0

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their U.S. Bank Cash+™ Visa Signature® Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $10,017, with $500 being the most common.

Here’s the average credit score of members who matched their U.S. Bank Cash+™ Visa Signature® Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 727, with 816 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

23.6%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

47 years

Average age of members who matched this card or similar cards.

$97,056

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

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High cash back rate in two bonus categories you choose each quarter

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No annual fee

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Cash back from quarterly bonus categories is capped

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Must enroll each quarter for your choice categories

The U.S. Bank Cash+™ Visa Signature® Card doesn’t stop at just letting you choose your own rotating categories. It tacks on an all-around cash back rate on every purchase, which can give you a lot of bang for your buck — all on your own terms.

When looking for credit cards that earn you rewards on your everyday purchases, your go-to might be a simple cash back card. But with all the different options, it might be tricky to find a single card that gives you rewards at places you actually shop.

The U.S. Bank Cash+™ Visa Signature® Card gives you some freedom there, with your choice of rotating categories that earn 5% cash back and 2% cash back, with a flat 1% cash back rate on all other eligible purchases and on categories you decide not to enroll in. While you’ll still need to keep track of the categories you choose, you’ll have the ability to match them up to where you expect to spend your money.

The rundown: Everything we like about the U.S. Bank Cash+™ Visa Signature® Card

Choose the categories where you want to earn cash back

The U.S. Bank Cash+™ Visa Signature® Card shines in its ability to give you cash back where it matters most to you. Unlike other cards with rotating cash back categories, this card lets you choose quarterly categories.

Each quarter, you’ll get a chance to select two 5% cash back categories and one 2% cash back category to enroll in. You can get up to 5% cash back on your first $2,000 in combined eligible purchases (then 1% cash back). You’ll earn 1% cash back on everything else. And the 2% cash back category is unlimited!

With 5% categories like utilities, department stores and clothing stores, you can see big earnings for frequent expenses. The 2% categories don’t fall short either, including gas stations, grocery stores and restaurants making the list.

Cash back doesn’t stop there — you’ll still earn an unlimited 1% on all of your other eligible purchases.

More than just another cash back card

Extra flexibility in choosing your own bonus categories makes this card appealing if you frequently fill up your gas tank or stock up on groceries.

Add in a $0 annual fee and a generous $200 cash back sign-up bonus (after you spend $1,000 on purchases within your first 90 days of account opening), and the U.S. Bank Cash+™ Visa Signature® Card could be a solid cash back option. Plus it’s a Visa Signature® card, so you could get added benefits.

Heads up: What you should consider before applying for the U.S. Bank Cash+™ Visa Signature® Card

While you’ll have the freedom to choose your own categories, the card has some limits on how much you can earn. You’ll only be able to earn 5% on the first $2,000 in combined eligible purchases each quarter on the two categories you enroll in. After that, you’ll earn the flat 1% on each $1 spent, with no cap.

You also have to make sure you choose and enroll in your categories each quarter. If you don’t, your purchases will default to earning an unlimited 1% cash back, and you’ll miss out on that sweet 5% and 2% bonus. This means you’ll have to keep track of your card categories each quarter to enroll and earn your cash back.

Another thing to note is that there is a $25 minimum redemption on the U.S. Bank Cash+™ Visa Signature® Card, so you’d have to spend a certain amount before being able to redeem your cash back bonuses.

Do the math: How to get the most out of the U.S. Bank Cash+™ Visa Signature® Card

With a $0 annual fee, this credit card won’t set you back on your rewards right off the bat. But you’ll want to make sure you enroll in your categories each quarter to get the most cash back.

If you’re able to spend the full $2,000 in quarterly purchases in your 5% categories, you’ll get at least $400 in cash back each year — meaning you could be rewarded nicely for purchases you’re already making.

But it’s important to make sure you choose your 5% categories wisely, matching them up with your spending habits.

Bottom line: Is the U.S. Bank Cash+™ Visa Signature® Card right for you?

There are so many options when it comes to cash back credit cards, but the U.S. Bank Cash+™ Visa Signature® Card takes a swing at making it a bit easier to consider by personalizing your cash back.

If you think rotating categories needing quarterly activation might be too much to keep track of, there are definitely a few options that keep it simple, like the no-frills Citi Double Cash® Card.

But if you choose the U.S. Bank Cash+™ Visa Signature® Card, the freedom to pick your own categories can give you more flexibility and less worry over getting value out of your card.

The competition

• Citi Double Cash® Card:
For all-around cash back.
• Bank of America® Customized Cash Rewards credit card:
For cash back at gas stations.
• Blue Cash Everyday® Card from American Express:
For cash back at grocery stores.