US Bank Cash+™ Visa Signature Card
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| Community Rating |
Rating not yet determined |
| Purchase APR (Variable APR) |
16.74% - 26.74% (Verified 08/17/2022) |
| Balance Transfer APR (Variable APR) | 13.99% - 23.99% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $0 |
US Bank Cash+™ Visa Signature Card Review
This is a cashback credit card issued by U.S. Bank. If you're wondering whether US Bank Cash+™ Visa Signature Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a maximum cashback rewards rate of up to 5x.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
- Earn a $200 rewards bonus after you apply online and spend $1,000 in eligible purchases within the first 120 days of account opening.
- Competitive APRs. US Bank Cash+™ Visa Signature Card has a variable purchase APR that ranges from 16.74% up to 26.74%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. US Bank Cash+™ Visa Signature Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Accepts cosigners. U.S. Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Gas rewards. 2% cashback on eligible gas purchases.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of US Bank Cash+™ Visa Signature Card
| The Good | The Bad |
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US Bank Cash+™ Visa Signature Card FAQ
Does US Bank Cash+™ Visa Signature Card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other 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.
What are the US Bank Cash+™ Visa Signature Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for US Bank Cash+™ Visa Signature Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.US Bank Cash+™ Visa Signature Card has a variable purchase APR that ranges from 16.74% up to 26.74%. The card has a variable balance transfer APR that ranges from 13.99% up to 23.99%. It also has a variable cash advance APR of 28.24% .
Does US Bank Cash+™ Visa Signature Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 13.99% - 23.99% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 3% |
Does US Bank Cash+™ Visa Signature Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for US Bank Cash+™ Visa Signature Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $41 |
| Late Payment Fee | up to $41 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does US Bank Cash+™ Visa Signature Card have a foreign transaction fee?
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 foreign transaction fees.What is the customer service phone number for US Bank Cash+™ Visa Signature Card?
The US Bank Cash+™ Visa Signature Card customer service number is (800) 872-2657.
What is the support contact email for US Bank Cash+™ Visa Signature Card?
The support contact email for US Bank Cash+™ Visa Signature Card is customer.support@usbank.com.
What is the US Bank Cash+™ Visa Signature Card login page?
You can access the US Bank Cash+™ Visa Signature Card login page here.
How do people rate the customer service and user experience of US Bank Cash+™ Visa Signature Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does US Bank Cash+™ Visa Signature Card report your account activity to credit bureaus?
Yes, US Bank Cash+™ Visa Signature Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for US Bank Cash+™ Visa Signature Card
- Visit the US Bank Cash+™ Visa Signature Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
800 Nicollet Mall
Minneapolis, MN 55402 USA - (800) 872-2657
- Visit Site
- Email Support
Other Services by U.S. Bank
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- 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
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 5% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Foreign Currency Transaction Fee | 3% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $2 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 24 days |
| Returned Payment Fee | Up to $41 |
| Late Fee Amount | Up to $41 |
US Bank Cash+™ Visa Signature Card Community Reviews
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