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US Bank Cash+ Visa Signature Card

in Personal Credit Cards

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US Bank Cash+ Visa Signature Card

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in Personal Credit Cards

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Overview

Who is US Bank Cash+ Visa Signature Card Designed For?

The US Bank Cash+ is designed for people with excellent credit who want a generous cash back card that offers a signup bonus but doesn't charge an annual fee. It's 0% APR intro rate for balance transfers also makes it a good option for people who carry a balance on their current card.

What are the Rates for US Bank Cash+ Visa Signature Card?

The rates for the US Bank Cash+ credit card range from 15.49% APR to 24.49% APR on purchases and balance transfers, depending on the creditworthiness of cardholders when they open the account. There isn't a penalty rate to worry about and balance transfers come with a 12-month 0% APR intro rate. Note that the intro rate only applies to balance transfers not new purchases. There is also a balance transfer fee to consider when determining whether a balance transfer makes financial sense.

What Are the Fees for US Bank Cash+ Visa Signature Card?

- The US Bank Cash+ doesn't have an annual fee or an over-the-limit fee. It does, however, have a 3% or $5, whichever is greater, fee on balance transfers and a 3% foreign transaction fee. Cash advances have a 4% or $10 minimum fee; late payments incur a $38 fee and returned limits have a $35 fee.

What Is US Bank Cash+ Visa Signature Card's Rewards Program Like?

US Bank Cash+ offers cardholders a 5% cash back rate on two categories of their choice; 2% cash back on an everyday purchase category, such as gas or groceries; and 1% cash back on all other purchases. The 5% cash back only applies to the first $2,000 spent each quarter on the two categories selected, but that still represents a maximum annual cash back of $400 on the 5% categories alone. There's no limit on the total amount of cash back cardholders can earn. You can redeem your cash back at any time and there's no minimum amount. However, cardholders do have to enroll every quarter for their bonus categories in order to receive the higher cashback rates.

What about US Bank Cash+ Visa Signature Card's Signup Bonus?

US Bank Cash+ offers a $150 in statement credits to cardholders who spend $500 in net purchases during the first three months of opening an account.

Does US Bank Cash+ Visa Signature Card Have Any Other Benefits?

As a Visa Signature® card, users receiver complimentary access to 24/7 concierge, exclusive travel and entertainment offers, purchase security, auto rental insurance, travel insurance, lost luggage reimbursement and roadside assistance.

How Is US Bank Cash+ Visa Signature Card Better Than Other Credit Cards?

The US Bank Cash+ offers a competitive cash back program, a 0% APR intro rate on balance transfers, a $150 signup bonus, and Visa Signature® travel and shopping benefits, but doesn't charge an annual fee.

Cardholders do have to enroll for new categories every quarter to get the full benefit of the cash back program, but for most people, the potential savings are worth a few minutes of their time.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period for Late Payment (Days) 24
Over-Limit Fee $0
Annual Fee $0
No Annual Fee  
Late Payment Penalty $38
Returned Payment Fee $35
Minimum Interest Charge $2
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5
Foreign Currency Transaction Fee 3%
Minimum Age 18
Co-signing Allowed  
Credit Score Range 700 - 850
850 300 700
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Car Rental Insurance  
Extended Warranty  
Fraud Liability  
Travel Insurance  
Lost Luggage Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Assistance
All Other Purchases 1% cash back on everything else
Every Purchase 2% cashback on gas, grocery & restaurants: 5% cashback on selected categories
Rewards Categories
  • Car Rentals
  • Entertainment
  • Every Purchase
  • Furniture
  • Gas
  • Groceries
  • Gyms
  • Internet / Cable / Phone
  • Restaurants
  • Retail
Signup Bonus $150
Purchase APR (Variable APR) 15.49% - 24.49%
Cash Advance APR (Variable APR) Starting at 25.49%
Balance Computation average daily balance (including new purchases)
Balance Transfer APR (Variable APR) 15.49% - 24.49%
Introductory Rate 0%
Intro APR period (months) 12

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