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U.S. Bank Cash+ awards
The U.S. Bank Cash+ Visa Signature Card is the best cash-back credit card for people who want to make choices about how they earn rewards. This card has 5% cash back in two categories you can pick — much more flexible than most cashback cards with fixed categories. You also earn 2% cash back in a chosen day-to-day category (like dining or grocery stores) and 1% cash back on all other purchases. This is a no-fee card that is also a great option for anyone who is strategic about their shopping and trading back rewards for maximum value. There is also a substantial welcome bonus for new cardholders and an initial 0% APR on purchases and balance transfers. So wherever you dine, travel, or go about your daily life, the U.S. Bank Cash+ Visa Signature Card helps you earn more with every swipe.
The U.S. Bank Cash+ Visa Signature Card: What Makes It So Great
5% Cash Back in Your Choice of Categories:
Most cashback cards come with categories already set for you, whereas the U.S. Bank Cash+ Visa Signature Card lets you choose two 5% cash back categories every quarter. Which means you can choose your rewards to suit your spending, be it travel, entertainment or gas and streaming services. That kind of flexibility makes sure that you are always earning top dollar cashback on the things you purchase the most.
Cash Back on Regular Purchases = 2%:
To go along with the 5% categories you can change each quarter, this card comes with 2% back in a category of your choosing — which could be groceries, a dining category, or a gas station. This is so that it is a good choice for those who would like to earn consistent rewards on their every month in a year expenses, for also making their reward earnings better, without putting in extra effort.
No Introductory APR + Sign-Up Bonus:
The Flex Card offers new cardholders a 0% initial APR on purchases and balance transfers for the first 15 billing cycles, making it a great option for a big purchase, or transferring a high-interest balance. And you can also get additional cashback immediately with a nice welcome bonus as long as you meet the spending requirement.
Annual Fee: $0 and Visa Signature Perks:
Best of all, this card has no annual fee, allowing you to enjoy all of its rewards without any associated costs. Plus, being a Visa Signature cardholder opens the door to bonuses like travel protections, concierge service, and extended warranty benefits.
Before you apply for the U.S. Bank Cash+™ Visa Signature® Card, here are some things to consider.
Active Category Selection Required: The flexibility to select your 5% cash back categories is a major perk, but does also require ongoing management. Cardholders are required to choose their bonus categories each quarter or else risk leaving cashback on the table. That being said if you like to tailor your rewards and track budget categories, it is a small investment for a big return.
Spending limits on bonus categories: Additionally, the 5% cash back is capped at $2,000 in total purchases each quarter, so you can earn no more than $100 in cash back per quarter on those categories. This is still a nice bonus but high spenders will be hitting their cap on spend quickly. However, the 2% and 1% cashback categories can be capped, but that 2% and 1% cashback category combo should mean that rewards don’t stop there.
How to Get the U.S. Bank Cash+ Visa Signature Card
The U.S. Bank Cash+ Visa Signature Card application is simple and can be done online in a matter of minutes.
If you want to have a better shot at being approved, make sure you have at least decent to excellent credit (690+ FICO score as a general rule) Additionally, income must be steady and credit stable.
Make sure to review the terms and perks of the card to see if this card is a good fit for your financial needs and spending habits before you apply. If you qualify, follow these five steps to apply.
How to Apply for the U.S. Bank Cash+ Visa Signature® Card Step by Step
Go to the U.S. Bank Website — Head on over to the U.S. Bank website to locate the U.S. Bank Cash+ Visa Signature Card application.
Determine If You Qualify — Compare your credit score and other eligibility factors against the requirements.
Fill out Application Form — Give info like age, address, income, occupation
Sequence for Reviewing and Submitting – Review all previously entered information to ensure that there are no errors and submit your application.
Apply for Approval – U.S. Bank reviews your application and informs you of the decision, sometimes in just minutes.
The U.S. Bank Cash+ Visa Signature Card is unique in the cashback credit card universe for its customizable rewards program that lets cardholders choose categories that earn the most cashback. This card offers 5% cash back on two categories of your choice, 2% on an everyday category, and 1% on everything else, which means you can be a constant earner based on your spending behavior. Especially given the new 0% Intro APR + welcome bonus + Visa Signature perks.
You get all the benefits of this card for no annual fee which is one of the main benefits of this card. Even with its quarterly category selections and spending caps, the reward system is still one of the best cash back cards you can get. But for anyone looking to supercharge their everyday expenses, travel perks, or cash back in bonus categories, the U.S. Bank Cash+ Visa Signature Card is an outstanding piece of finance hardware. For those ready to maximize their cashback rewards, this is an excellent, contenders card.
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