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There are many cash back cards out there for anyone looking for rewards on their spending. But, how many options give you the power to choose your bonus categories? In this U.S. Bank Cash+™ Visa Signature® card review, we’ll introduce you to one of the top choices in that segment. 

This card stands out among competitors because not only it’ll give you a 5% cash back value, it’ll let you choose up to 2 categories each quarter to earn that top rate too. Plus, you get to choose an extra everyday category to earn unlimited 2% cash back as well! All of that with a $0 annual fee.

So, are you ready to learn more about the U.S. Bank Cash+™ Visa Signature®? Keep reading and find out if this is the credit card you’ve been looking for!

The U.S. Bank Cash+™ Visa Signature® has a broad acceptance overseas and is the ideal companion for anyone looking for an easy-to-use everyday card. There is no annual fee, and U.S. Bank offers a 0% intro APR for 15 billing cycles on card balances and eligible purchases. 

As rewards go, this card has it all. You get a $200 sign-up bonus after spending $1000 within 120 days of card membership. You can customize and earn up to $2000 in two categories of your choice among 12 options. Plus, you get 2% cash back for an everyday category, such as gas or dining. 

The flexible rewards redemptions are even more significant if you bank with U.S. because you can have all the cash back you’ve earned deposited directly into your account other than statement credits or a rewards card. 

Though the U.S. Bank Cash+™ Visa Signature® has a complex rewards system, you can maximize your bonus points with frequent use. For travelers, it provides a 5% cash back with bookings made through U.S.’s Rewards Travel Center. However, beware of the foreign transaction fee, as it can charge up to 3% in purchases made abroad. 

Like every other credit product in the market, the U.S. Bank Cash+™ Visa Signature® has many advantages and a few setbacks. Keep reading to see what they are. 

Yes. Since it’s a cash back card from a well-known financial institution, you need a credit score between good and excellent to get this card. That means your FICO score should be somewhere between 690 and 850 to improve your approval rate. 

The U.S. Bank Cash+™ Visa Signature® Card is a cash back product that lets customers decide how they want to earn their points. This card is perfect for everyday use, with no annual fee and a 0% intro APR for 15 billing cycles. 

You can get up to 5% on $2000 combined purchases in 2 categories of your choice each quarter. An extra 2% unlimited cash back on a daily expense and 1% on all other purchases. U.S. Bank throws in a nice $200 reward after you spend $1000 within 120 of owning the card as a sign-up bonus. 

So, keep reading if you want to learn how to apply for a U.S. Bank Cash+™ Visa Signature® card today!

The online application process is simple and usually takes no longer than 5 minutes to complete. First, you need to access the U.S. Bank website, click on “personal” at the top menu, “credit cards” and then “view credit cards”. 

After that, you should see the U.S. Bank Cash+™ Visa Signature® card option under the “cash back” cards alternative. Click on the “apply now” blue button. U.S. Bank will require you to fill in a form with your personal and contact information. After you’ve done that, click on “save and continue”.

The bank will do a quick assessment of your financial profile. You should get a phone call or an e-mail with more details about your request if you fit the minimum requirements for this card. 

If you already have an open account with U.S. Bank, applying for a U.S. Bank Cash+™ Visa Signature® card via mobile is easy! You can log in with your credentials and find the “credit cards” section on the app. 

If the card is available to you, the option to apply for it should appear under “new requests”. 

If you’re not sure the U.S. Bank Cash+™ Visa Signature® card is the best choice for you, we can help. Maybe what you’re looking for a secured card to control your expenses better. In that case, meet the OpenSky Secured Visa credit card!

If you have a bad credit history and want to rebuild it, the OpenSky secured card can significantly assist you. Check out its main features in the comparison below and follow the recommended link for the application process!