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.

• Generous reward rate. You can get a rewards rate of up to 5%.
• 0% balance transfer intro rate. Offers an introductory APR rate on balance transfers of 0% 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 of up to 25.99%.
• 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.

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?

US Bank Cash+™ Visa Signature Card has a variable purchase APR that ranges from 15.49% up to 25.99%. The card has a variable balance transfer APR that ranges from 15.49% up to 25.99%. It also has a variable cash advance APR of 25.49% .

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

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.