US Bank Cash+ Visa Signature Card Review

US Bank Cash+ Visa Signature Card is a cashback credit card issued by US Bank. 

Good credit. This card is designed for people with good credit. The minimum credit score to apply is 700.

Accepts cosigners. US Bank is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

If you're wondering whether US Bank Cash+ Visa Signature Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a US Bank Cash+ Visa Signature Card cash back or rewards program?

US Bank Cash+ Visa Signature Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With US Bank Cash+ Visa Signature Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.

This card features rewards for purchases in the following categories:

• Car Rentals
• Internet, Cable, Phone
• Every Purchase
• Furniture
• Gas
• Groceries
• Gyms
• Restaurants
• Retail

US Bank Cash+ Visa Signature Card Rewards

Rewards rate (all purchases)	1%
Max rewards rate	5%
Annual rewards limit	N/A
Signup Bonus ($)	$150
Signup Bonus Spend Requirement	$500

What are the US Bank Cash+ Visa Signature Card benefits?

US Bank Cash+ Visa Signature Card provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Fraud Liability
• Travel Assistance
• ID Theft Protection
• Reports to major credit bureaus

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

US Bank Cash+ Visa Signature Card has a variable purchase APR that ranges from 15.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 15.49% up to 24.49%.

It also has a variable cash advance APR starting at 25.49% .

What are the US Bank Cash+ Visa Signature Card fees?

No Annual Fee. US Bank Cash+ Visa Signature Card does not charge an annual fee.

3% Foreign transaction fees. US Bank Cash+ Visa Signature Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

The following fees apply to US Bank Cash+ Visa Signature Card:

US Bank Cash+ Visa Signature Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	3%
Balance Transfer Fee	3%
Minimum Balance Transfer Fee	$5
Returned Payment Fee	$35
Late Payment Fee	$38

Does US Bank Cash+ Visa Signature Card report your account activity to credit bureaus?

US Bank Cash+ Visa Signature Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for US Bank Cash+ Visa Signature Card

• Visit the US Bank website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.