U.S. Bank Cash+® Visa Signature® Card

If you’re looking for a credit card that adapts to your spending habits and gives you control over your rewards, the U.S. Bank Cash+® Visa Signature® Card might be the right choice. With this card, you can choose your own 5% and 2% cash back categories and enjoy flexibility, a competitive welcome bonus, and no annual fee.

Benefits

• 5% cash back on your first $2,000 in combined purchases each quarter in two categories you choose (options include home utilities, streaming services, fast food, gyms, and more)
• 2% cash back in one everyday category of your choice, including gas stations/EV charging stations, grocery stores, or restaurants
• 1% cash back on all other eligible purchases
• $200 welcome bonus after spending $1,000 in eligible purchases within the first 90 days of account opening
• No annual fee

These benefits give you the flexibility to earn cash back where you spend the most, and you can adjust your categories every quarter based on your current needs.

Prerequisites

To apply for the U.S. Bank Cash+® Visa Signature® Card, you typically need to meet the following criteria:

• Be at least 18 years old (19 in some states)
• Have a valid U.S. mailing address
• Provide a valid Social Security Number (SSN)
• Have good to excellent credit (typically a FICO score of 700+)
• Show sufficient income to cover monthly payments

About U.S. Bank

U.S. Bank is one of the largest and most trusted financial institutions in the United States. With more than 150 years of history and a strong national presence, it serves millions of customers through branches, digital platforms, and mobile banking.

As the fifth-largest commercial bank in the country, U.S. Bank offers a wide range of financial products including checking and savings accounts, mortgages, personal loans, and credit cards. The Cash+® Visa Signature® Card is part of its lineup of consumer-friendly credit cards focused on offering flexible rewards and financial control.

Who is this card for?

The U.S. Bank Cash+® Visa Signature® Card is a great fit for people who want control over how they earn cash back. Unlike many fixed-category rewards cards, this one gives cardholders the ability to select their own top-earning categories every quarter—making it ideal for those whose spending habits vary throughout the year. Whether you’re someone who spends more on streaming and electronics in one season, and then shifts to gym memberships or home utilities in another, this card gives you the flexibility to adapt.

It’s also well-suited for consumers who are looking for strong rewards without paying an annual fee. If you’re financially responsible, have a good to excellent credit score, and regularly use your credit card for everyday purchases, you can benefit greatly from this program. The 2% cash back on an everyday category like gas stations, restaurants, or grocery stores helps you earn even more on the essentials.

For people who are budget-conscious or just starting to build long-term financial habits, the Cash+® card offers a solid mix of value and freedom. It provides an opportunity to earn meaningful cash back on purchases you already make—without requiring you to commit to a specific lifestyle or spending type.

On top of that, this card can be an excellent choice for existing U.S. Bank customers. If you already bank with U.S. Bank, it’s easy to redeem your rewards as a direct deposit into your account. The seamless integration between card and bank adds extra convenience and may help you manage your finances more efficiently.

In short, this card is made for individuals who appreciate flexibility, want to maximize their cash back potential, and prefer to avoid fees. Whether you’re a student with a strong credit score, a family manager, or a professional looking for practical rewards, this card can match your day-to-day lifestyle and help you earn on your terms.

What rewards and programs does it offer?

This card allows you to choose two 5% cash back categories each quarter, plus one 2% everyday category. You’ll also earn 1% cash back on all other purchases.

Cash back can be redeemed in several ways:

• As a statement credit
• Deposited into a U.S. Bank checking or savings account
• Redeemed for gift cards
• Used to shop for merchandise through the U.S. Bank rewards portal

Rewards don’t expire as long as your account remains open and in good standing.

Initial credit limit

Your initial credit limit will depend on your credit score, income, and overall financial profile. While individual limits vary, here’s a general range:

• Minimum limit: around $1,000
• Maximum limit: may exceed $10,000 for highly qualified applicants

U.S. Bank may offer credit limit increases over time with responsible use.

Step-by-step: How to apply

1. Visit the official application page: Apply for the U.S. Bank Cash+® Card
2. Click “Apply Now” to begin your secure application.
3. Fill in your personal and financial information, including your name, address, SSN, employment status, and income.
4. Review all terms and conditions, including APRs, fees, and benefits.
5. Submit your application and wait for an instant decision or follow-up from U.S. Bank.

Pros and Cons

Pros:

• Customizable 5% and 2% cash back categories
• Strong cash back potential in everyday categories
• $200 welcome bonus with low spending requirement
• No annual fee
• Rewards never expire

Cons:

• Must actively select categories every quarter to maximize rewards
• $2,000 quarterly cap on 5% category cash back
• Requires good to excellent credit for approval

How to activate your card

After receiving your card in the mail:

1. Visit Website or download the U.S. Bank Mobile App
2. Log in or create an account
3. Enter your card details (number and security code)
4. Follow the on-screen instructions to activate
5. Choose your 5% and 2% categories right after activation

Fees and tariffs

Customer service

Need help? Here are the official contact options:

• Phone: 1-800-285-8585

• Website

• Mobile App: Available for iOS and Android

DOWNLOAD FOR ANDROID

DOWNLOAD FOR IOS

• Mailing Address:
  U.S. Bank Cardmember Services
  P.O. Box 790408

St. Louis, MO 63179-0408

The U.S. Bank Cash+® Visa Signature® Card stands out as a solid cash back option for consumers who value flexibility and control over their rewards. Its customizable earning structure allows you to adapt your cash back categories to fit your current lifestyle and spending patterns—something most other cards don’t offer. With no annual fee, a competitive welcome bonus, and the ability to earn up to 5% in select categories, it’s an appealing choice for those looking to maximize returns on everyday purchases.It’s especially well-suited for disciplined spenders with good to excellent credit who prefer to earn cash back rather than points or miles. While it does require a bit of attention each quarter to choose your categories, the potential savings are well worth the effort.If you want a no-annual-fee card that rewards your unique spending habits while keeping things simple and rewarding, the Cash+® Visa Signature® Card is worth considering.