$0
Annual fee
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Card reviewUS Bank
Updated Aug 14, 2026 · research
US BankCash Rewards
U.S. Bank Cash+ Visa Signature Card
No-annual-fee cash back card with selectable 5% and 2% categories, 5% Travel Center prepaid travel, and a 0% intro APR for 15 billing cycles.
Mid TierPersonal
Visa
Credit profile: good$0
Annual fee
5% back prepaid travel booked through u.s. bank travel center
Top rate
N/A
Foreign fee
N/A
Rating
Current Welcome Offer
Earn $200
Spend $1,000 in 90 days
Verifiedofficial product page
Card Offers
public
Earn $200
Spend $1,000 in 90 days
official product page
Earning Rates
Prepaid travel booked through U.S. Bank Travel Center
5%cash back
Applies to eligible prepaid air, car and hotel reservations booked directly in the Travel Center using the card.
Two selected Cash+ categories
5%cash back
Cardmember must enroll and choose two 5% categories each quarter. Cap applies to combined net purchases across the two categories; purchases above the cap earn 1%. If categories are not selected, eligible purchases earn 1%. Category options may change quarterly.
One selected everyday category
2%cash back
Choose one category each quarter: gas stations and EV charging stations, grocery stores, or restaurants. Grocery purchases at discount stores/supercenters and wholesale clubs, and gas/EV charging purchases at discount stores/supercenters, wholesale clubs, and grocery stores/supermarkets, earn 1%.
All other eligible purchases
1%cash back
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
4 benefits
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 no-annual-fee cash back card offering 5% cash back on two selected categories up to a combined quarterly cap, 2% on one selected everyday category, 5% on eligible prepaid travel booked through the U.S. Bank Travel Center, and 1% on 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
Earn $200 with no annual fee.
Spend $1,000 in 90 days
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Sources & Methodology
Sources & Methodology
Data Collection
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- 4 of 4 benefits rated high confidence
- 4 source citations across benefits
- 1 of 1 offer verified
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