$0
Annual fee
$200
Bonus value
See the card
Card reviewUS Bank
Updated Jul 3, 2026 · researchUB
US BankU.S. Bank Cash+ RewardsEditorially reviewed
U.S. Bank Cash+® Visa Signature® Card
A no-annual-fee cash back Visa card with quarterly selectable 5% and 2% categories, 5% back on eligible Travel Center prepaid travel, and a $250 bonus offer after $1,000 in eligible purchases in the first 90 days.
Mid TierPersonal
Visa
Credit profile: good$0
Annual fee
5% back prepaid travel booked in the travel center
Top rate
N/A
Foreign fee
N/A
Rating
Current Welcome Offer
250 cashback
$250 estimated value
Spend $1,000 in 90 days
Verifiedofficial product page
Card Offers
public
250 cashback
$250 estimated value
Spend $1,000 in 90 days
official product_page
Earning Rates
prepaid travel booked in the Travel Center
5%cash back
Earned on prepaid air, hotel and car reservations booked directly in the Travel Center using the Cash+ Card. Disclosure describes this as an additional 4% cash back on top of the base 1% for eligible Travel Center purchases.
two chosen Cash+ 5% categories
5%cash back
Cardmember must enroll each quarter into two 5% categories. Applies to the first $2,000 in combined eligible Net Purchases each quarter in the two chosen 5% categories; purchases over $2,000 earn 1%. If categories are not chosen, eligible purchases earn no more than 1%. Listed 5% category options include fast food, home utilities, TV/internet/streaming, department stores, cell phone providers, electronics stores, sporting goods, furniture stores, movie theaters, ground transportation, gyms/fitness centers and select clothing stores. Category options may change quarterly.
one chosen everyday category
2%cash back
Cardmember chooses one everyday category each quarter: gas stations and EV charging stations, grocery stores, or restaurants. Grocery store and supermarket purchases at discount stores/supercenters such as Target and Walmart and wholesale clubs earn only 1%. Gas station and EV charging purchases at discount stores/supercenters, wholesale clubs and grocery stores/supermarkets earn only 1%.
all other eligible purchases
1%cash back
Applies to all other eligible Net Purchases and to purchases above the quarterly cap in 5% categories. Certain transactions are not considered Purchases and are not eligible to earn rewards, including balance transfers, advances, interest charges and fees.
Pros & Cons
Pros
- No annual fee
- Up to 5% cash back on two chosen categories each quarter
- $200 welcome bonus after $1,000 spend in 90 days
- Customizable rewards categories quarterly
- 2% cash back on one everyday category
Cons
- Requires quarterly category selection to maximize rewards
- 1% base rate on non-chosen categories
- Welcome bonus requires $1,000 spend in 90 days
Key Takeaways
- $0 annual fee with no first-year waiver needed
- Up to 5% cash back on two chosen categories per quarter
- 2% on one everyday category and 1% elsewhere
- $200 bonus after $1,000 spend in 90 days
- Visa Signature card for personal cashback use
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
APR Information
- Purchase APR
- 17.74% - 27.99%0% intro APR for 15 months
- Balance Transfer APR
- 17.74% - 27.99%0% intro APR for 15 months
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
6 benefits
Statement Credits
Lifestyle Benefits
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
Does the U.S. Bank Cash+ Visa Signature Card have an annual fee?
The card has a $0 annual fee. This applies every year with no waiver needed for the first year.
What is the welcome bonus for this card?
Earn a $200 cash back bonus after spending $1,000 in eligible purchases within the first 90 days of account opening. This offer is at its historical high.
How do rewards work on the U.S. Bank Cash+ Visa Signature Card?
Earn up to 5% cash back on two categories you choose each quarter. Get 2% cash back on one everyday category chosen each quarter and 1% cash back on all other eligible spend.
Do I need to select categories every quarter?
Yes, you choose two categories for 5% cash back and one everyday category for 2% cash back each quarter. This allows customization to your spending.
What is the base rewards rate?
The card provides 1% cash back on all other eligible purchases beyond the chosen categories.
What type of card is the U.S. Bank Cash+ Visa Signature Card?
It is a personal cashback card on the Visa network in the mid-tier category.
Where can rewards be redeemed?
Rewards are earned as cash back based on the card's structure.
About This Card
This card fits consumers who spend heavily in specific categories they can identify quarterly and want no annual fee. It works for those seeking flexible cash back without premium costs.
The U.S. Bank Cash+® Visa Signature® Card is a personal cash back Visa card with a $0 annual fee. It earns 5% cash back on the first $2,000 in combined eligible purchases each quarter in two chosen categories, 2% cash back in one chosen everyday category each quarter, 5% cash back on eligible prepaid Travel Center reservations, and 1% cash back on all other eligible purchases.
It differentiates in the no-fee cashback space with quarterly customizable 5% categories on two choices.
Ready to Decide?
Apply for the U.S. Bank Cash+® Visa Signature® Card
250 cashback, worth about $250 estimated value, with no annual fee.
Spend $1,000 in 90 days
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Sources & Methodology
Sources & Methodology
Data Collection
We collect card details from official issuer pages, then verify them through editorial review.
Last updated:
Editorial Review
Pending editorial review.
Data Quality
- 6 of 6 benefits rated high confidence
- 1 of 1 offer verified
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Read our full methodology for how we collect, verify, and rate credit cards.
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