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  US Bank Cash+™ Visa Signature Card

US Bank Cash+™ Visa Signature Card

in Personal Credit Cards from US Bank

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US Bank Cash+™ Visa Signature Card

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in Personal Credit Cards from US Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 15.49% - 25.99%
Credit Score Range 700 - 850
Annual Fee $0
Purchase APR  (Variable APR) 15.49% - 25.99%
Rewards Rates
  • Car Rentals
  • Entertainment
  • Every Purchase
  • Furniture
  • 2% on Gas
  • 2% on Groceries
  • Gym Memberships
  • Internet / Cable / Phone Services
  • Restaurants
  • Retail

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.
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Earn rewards on every purchase.
  • US Bank Cash+™ Visa Signature Card reports to multiple credit bureaus.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel assistance insurance
  • Requires good to excellent credit.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.

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 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% .

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 12 months.

US Bank Cash+™ Visa Signature Card Balance Transfers
Description
Balance Transfer APR 15.49% - 25.99%
Introductory Rate 0%
Intro APR period (months) 12

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.

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
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 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.

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

Every Purchase (Points) 2% cashback on gas, grocery & restaurants: 5% cashback on two categories you choose
No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 3% - 4%
Minimum Cash Advance Fee ($) $5 - $20
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Returned Payment Fee Up to $35
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Co-signing Allowed  
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Card Type
  • Balance Transfer
  • Cashback
  • Gas
Card Network
  • Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Lost Luggage Insurance  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Assistance
Bonus Rewards earn a $150 bonus after you apply online and spend $500 in eligible net purchases within the first 90 days of account opening
Annual Maximum 0
Rewards Rates
  • Car Rentals
  • Entertainment
  • Every Purchase
  • Furniture
  • 2% on Gas
  • 2% on Groceries
  • Gym Memberships
  • Internet / Cable / Phone Services
  • Restaurants
  • Retail
Signup Bonus $150
Cash Advance APR (Variable APR) 25.49%
Purchase APR (Variable APR) 15.49% - 25.99%
Balance Computation average daily balance (including new purchases)
Balance Transfer APR (Variable APR) 15.49% - 25.99%
Introductory Rate 0%
Intro APR period 12

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