U.S. Bank Cash+ Visa Signature Card Review: Tailor Your 5% Rewards

Customize 5% rewards to fit your spending, plus a $200 bonus and 0% APR.

U.S. Bank Cash+ Visa Signature Card Review: Tailor Your 5% Rewards


  • Annual Fee: $0, eliminating cost concerns for cardholders.
  • Rewards: Select two categories each quarter for 5% cash back (up to $2,000 in combined purchases), plus one category for unlimited 2% cash back.
  • Sign-Up Bonus: $200 bonus after spending $1,000 in the first 120 days.
  • Intro APR: 0% for 15 billing cycles on purchases and balance transfers, then 19.49%-29.74% Variable APR.


  • Customizable Categories: Flexibility in choosing your 5% and 2% cash back categories to match your spending habits.
  • Generous Cap on 5% Rewards: Offers a higher spending cap than similar cards, enhancing earning potential.
  • Versatile Redemption Options: Rewards can be redeemed for statement credits, gift cards, or deposits into U.S. Bank accounts.
  • Introductory Offers: The sign-up bonus and introductory APR period provide additional value to new cardholders.


  • Complex Rewards System: Tracking and choosing from multiple bonus categories each quarter requires active management and could be cumbersome for some users.
  • Foreign Transaction Fees: Not ideal for international travel due to foreign transaction fees, making it a less attractive option for those who frequently spend abroad.
  • Banking with Issuer Required for Cash Redemptions: To redeem rewards for cash rather than statement credits, you must have a bank account with U.S. Bank, which could be a limitation for non-customers.

Product Summary

The U.S. Bank Cash+ Visa Signature Card stands out for its unique approach to rewards, allowing cardholders to tailor their 5% and 2% cash back categories to their personal spending patterns. This customization, combined with a higher quarterly spending cap for 5% categories, offers significant earning potential for savvy spenders willing to manage their category selections. The $0 annual fee and the introductory APR offer add to the card's appeal, making it a strong candidate for those seeking to maximize rewards on everyday spending. While it requires more effort than flat-rate cash-back cards, the U.S. Bank Cash+ Visa Signature Card rewards meticulous planners with potentially higher returns on their most common purchases.

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