US Bank Cash+™ Visa Signature Card
in Personal Credit Cards from US Bank
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| Balance Transfer APR (Variable APR) | 14.99% - 24.99% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 14.99% - 24.99% |
| Rewards Rates |
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US Bank Cash+™ Visa Signature Card Review
US Bank Cash+™ Visa Signature Card is a cashback credit card issued by US Bank. 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.
Key takeaways:
- Generous reward rate. You will get a cashback rewards rate of up to 5%.
- 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.
- Signup bonus. Offers a signup bonus of $150 if you spend $500 within 3 months.
- Competitive APRs. US Bank Cash+™ Visa Signature Card has a variable purchase APR that ranges from 14.99% up to 24.99%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, 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 up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $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. US 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. Earn up to 2% for every $1 you spend on gas.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, travel assistance, and fraud protection.
- Good or better credit required. You should probably try with another card if your credit score is below 700.
US Bank Cash+™ Visa Signature Card Pros and Cons:
| The Good | The Bad |
|---|---|
|
|
Is there a US Bank Cash+™ Visa Signature Card cash back or rewards program?
No, US Bank Cash+™ Visa Signature Card does not offer a 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.
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
- Zero fraud liability
- Travel Assistance
- ID Theft Protection
- 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. US Bank Cash+™ Visa Signature Card has lower than average purchase APRs.US Bank Cash+™ Visa Signature Card has a variable purchase APR that ranges from 14.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 14.99% up to 24.99%. It also has a variable cash advance APR of 24.99% .
Does US Bank Cash+™ Visa Signature Card have an introductory APR offer on balance transfers?
Yes, US Bank Cash+™ Visa Signature Card offers an introductory APR rate on balance transfers of 0% for a period of up to months.
| Description | |
|---|---|
| Balance Transfer APR | 14.99% - 24.99% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period (months) | 12 |
| Balance Transfer Fee % | 3% |
| Balance Transfer Fee % After Intro Period | N/A |
| Balance Transfer Fee Intro Period (days) | N/A |
| Balance Transfer Fee Minimum | $5 |
Does US Bank Cash+™ Visa Signature Card have an introductory APR offer on new purchases??
US Bank Cash+™ Visa Signature Card does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the US Bank Cash+™ Visa Signature Card fees?
The following fees apply to US Bank Cash+™ Visa Signature Card:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $35 |
| Late Payment Fee | up to $39 |
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 a foreign transaction fee.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 on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.
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 you're denied click here to find out why your application may have been rejected and what you can do about it.
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.
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Contact
- Headquarters
-
800 Nicollet Mall
Minneapolis, MN 55402 - Visit Site
Other Services by US Bank
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Availability
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
| Every Purchase (Points) | 2% cashback on gas, grocery & restaurants: 5% cashback on two categories you choose |
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