Features

Who is US Bank Cash+ Designed For?

The US Bank Cash+ is designed for people with excellent credit who want a generous cash back card that offers a signup bonus but doesn't charge an annual fee. It's 0% APR intro rate also makes it a good option for people who carry a balance on their current card.

What are the Interest Rates for US Bank Cash+?

Interest rates for the US Bank Cash+ credit card range from 12.99% to 23.99% APR on purchases and balance transfers, depending on the creditworthiness of cardholders when they open the account. There isn't a penalty rate to worry about and balance transfers come with a 9-month 0% APR intro rate. Note that the intro rate only applies to balance transfers not new purchases. There is also a balance transfer fee to consider when determining whether a balance transfer makes financial sense.

What Are the Fees for US Bank Cash+ Credit Card?

- The US Bank Cash+ doesn't have an annual fee or an over-the-limit fee. It does, however, have a 3% or $5, whichever is greater, fee on balance transfers and a 2% foreign transaction fee. Cash advances have a 4% or $10 minimum fee; late payments incur a $38 fee and returned limits have a $35 fee.

What Is US Bank Cash+'s Rewards Program Like?

US Bank Cash+ offers cardholders a 5% cash back rate on two categories of their choice; 2% cash back on an everyday purchase category, such as gas or groceries; and 1% cash back on all other purchases. The 5% cash back only applies to the first $2,000 spent each quarter on the two categories selected, but that still represents a maximum annual cash back of $400 on the 5% categories alone. There's no limit on the total amount of cash back cardholders can earn. You can redeem your cash back at any time and there's no minimum amount. However, cardholders do have to enroll every quarter for their bonus categories in order to receive the higher cash back rates.

What about US Bank Cash+'s Signup Bonus?

US Bank Cash+ offers a $100 in statement credits to cardholders who spend $500 in net purchases during the first three months of opening an account.

Does US Bank Cash+ Have Any Other Benefits?

As a Visa Signature card, users receiver complimentary access to 24/7 concierge, exclusive travel and entertainment offers, purchase security, auto rental insurance, travel insurance, lost luggage reimbursement and roadside assistance.

How Is US Bank Cash+ Better Than Other Credit Cards?

The US Bank Cash+ offers a competitive cash back program, a 0% intro rate on balance transfers, a $100 signup bonus, and Visa Signature travel and shopping benefits, but doesn't charge an annual fee.

Cardholders do have to enroll for new categories every quarter to get the full benefit of the cash back program, but for most people the potential savings are worth a few minutes of their time.

  • Card Type
    Balance Transfer Rewards
  • Customer Type
    Personal
  • Card Network
    Visa
  • Minimum Age
    18
  • Co-signing Allowed
  • Grace Period / Deferred Interest
    24
  • Late Payment Penalty
    $38
  • Minimum Interest Charge
    $2
  • Returned Payment Fee
    $35
  • Foreign Currency Transaction Fee
    3%
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    12.99% - %
  • Transfer Fee
    3% or $5 (whichever is greater)
  • Balance Transfer APR
    12.99% to 23.99%% - %
js-table-filter bizname-us-bank--flexperks-select-rewards-visa
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
13.99
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-116

Est. 1929

  • Points
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.99%
Balance Transfer APR 13.99% - 23.99% var. APR%
058
js-table-filter bizname-us-bank--fred-meyer-rewards-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter groceries-141
js-table-filter points-137
14.24
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Gas
  • Groceries
  • Points
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
Intro APR period (months) 9
030
js-table-filter bizname-us-bank--ralphs-rewards-plus-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
14.24
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Points
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
006
js-table-filter bizname-us-bank--harleydavidson-signature-visa
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter points-137
14.24
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Gas
  • Points
  • Restaurants
  • Travel
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
006
js-table-filter bizname-us-bank--rei-visa-credit-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
10.99
0
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Cashback
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.99%
Balance Transfer APR 10.99% - 22.99% var. APR%
000
js-table-filter bizname-us-bank--gymboree-visa
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
14.24
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Cashback
  • Every Purchase
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
006
js-table-filter bizname-us-bank--cache-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
11.24
0
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Points
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.24%
Balance Transfer APR 11.24% - 23.24% var. APR%
000
js-table-filter bizname-us-bank--aeromexico-visa-secured-card
js-table-filter air-miles-136
js-table-filter airlines-140
25
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
js-table-filter gas-139
js-table-filter groceries-141
22.99
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-113
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
  • Gas
  • Groceries
  • No Annual Fee First Year
Annual Fee $25
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Purchases APR 22.99%
Balance Transfer APR 22.99% var. APR%
006
js-table-filter bizname-us-bank--lanpass-visa-secured-card
js-table-filter air-miles-136
25
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
22.99
0
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-132
js-table-filter credit-required-113

Est. 1929

  • Air Miles
  • No Annual Fee First Year
Annual Fee $25
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Purchases APR 22.99%
Balance Transfer APR 22.99% var. APR%
006
js-table-filter bizname-us-bank--lifemiles-visa-secured-card
js-table-filter air-miles-136
25
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
16.24
0
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-132
js-table-filter credit-required-113
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Air Miles
  • No Annual Fee First Year
Annual Fee $25
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Purchases APR 16.24%
Balance Transfer APR 16.24% var. APR%
000
js-table-filter bizname-us-bank-flexperks-travel-rewards-visa-signature-card
js-table-filter airlines-140
49
js-table-filter gas-139
js-table-filter groceries-141
js-table-filter points-137
13.99
js-table-filter travel-143
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Airlines
  • Gas
  • Groceries
  • Points
  • Travel
Annual Fee $49
Purchases APR 13.99%
Balance Transfer APR 13.99% - 23.99% var. APR%
006
js-table-filter bizname-us-bank--aeromexico-visa-card
js-table-filter air-miles-136
js-table-filter airlines-140
45
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter groceries-141
12.99
js-table-filter travel-143
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
  • Gas
  • Groceries
  • Travel
  • No Annual Fee First Year
Annual Fee $45
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99% - 22.99% var. APR%
006
js-table-filter bizname-us-bank--skyblue-skypass-visa-credit-card
js-table-filter air-miles-136
js-table-filter airlines-140
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
12.99
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99% - 19.99% var. APR%
006
js-table-filter bizname-us-bank--aeromexico-visa-signature
js-table-filter air-miles-136
js-table-filter airlines-140
80
js-table-filter ccard-type-137
js-table-filter ccard-type-136
12.99
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
  • No Annual Fee First Year
Annual Fee $80
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99% - 19.99% var. APR%
006
js-table-filter bizname-us-bank--skypass-visa-secured-card
js-table-filter air-miles-136
js-table-filter airlines-140
50
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
16.24
js-table-filter card-type-12
js-table-filter credit-required-132
js-table-filter credit-required-113
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
Annual Fee $50
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Purchases APR 16.24%
Balance Transfer APR 16.24% var. APR%
006
js-table-filter bizname-us-bank--lanpass-visa-signature
js-table-filter air-miles-136
js-table-filter airlines-140
75
js-table-filter ccard-type-137
js-table-filter ccard-type-136
12.99
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
Annual Fee $75
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99% - 22.99% var. APR%
006
js-table-filter bizname-us-bank--lifemiles-visa-signature-card
js-table-filter air-miles-136
js-table-filter airlines-140
75
js-table-filter ccard-type-137
js-table-filter ccard-type-136
12.99
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
  • No Annual Fee First Year
Annual Fee $75
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99% - 19.99% var. APR%
006
js-table-filter bizname-us-bank--lifemiles-visa-card
js-table-filter air-miles-136
js-table-filter airlines-140
45
js-table-filter ccard-type-137
js-table-filter ccard-type-136
12.99
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
  • No Annual Fee First Year
Annual Fee $45
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99% - 19.99% var. APR%
006
js-table-filter bizname-us-bank--lanpass-visa-card
js-table-filter air-miles-136
45
js-table-filter ccard-type-137
js-table-filter ccard-type-136
12.99
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115

Est. 1929

  • Air Miles
  • No Annual Fee First Year
Annual Fee $45
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99% - 19.99% var. APR%
006
js-table-filter bizname-us-bank-flexperks-travel-rewards-visa-signature
49
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
13.99
js-table-filter card-type-12

Est. 1929

  • Points
Annual Fee $49
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.99%
Balance Transfer APR 13.99% – 23.99% var. APR%
006
js-table-filter bizname-us-bank-visa-platinum
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
9.99
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 9.99%
Balance Transfer APR 9.99% – 23.99% var. APR%
006
js-table-filter bizname-korean-air-skypass-visa-signature-card
js-table-filter air-miles-136
80
js-table-filter ccard-type-137
js-table-filter ccard-type-136
12.99
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1984

  • Air Miles
Annual Fee $80
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99% – 19.99% var. APR%
006
js-table-filter bizname-korean-air-skypass-visa-classic-card
js-table-filter air-miles-136
50
js-table-filter ccard-type-137
js-table-filter ccard-type-136
12.99
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1984

  • Air Miles
Annual Fee $50
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99% – 19.99% var. APR%
006
js-table-filter bizname-us-bank-secured-visa
29
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
18.99
js-table-filter card-type-12
js-table-filter credit-required-132
js-table-filter credit-required-113

Est. 1929

Annual Fee $29
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Purchases APR 18.99%
Balance Transfer APR 18.99% var. APR%
006
js-table-filter bizname-us-bank-cash
js-table-filter airlines-140
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
12.99
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Airlines
  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • Restaurants
  • Travel
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99% to 23.99%%
006
js-table-filter bizname-webster-bank-visa-platinum-card
js-table-filter air-miles-136
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter points-137
11.99
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-116

Est. 1935

  • Air Miles
  • Cashback
  • Every Purchase
  • Points
  • Travel
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.99%
Balance Transfer APR 11.99%-22.99%%
006
js-table-filter bizname-club-carlson-premier-rewards-visa-signature-card
75
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
14.24
js-table-filter travel-143
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Every Purchase
  • Points
  • Travel
Annual Fee $75
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
006
js-table-filter bizname-us-bank-123-rewards-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter groceries-141
js-table-filter points-137
14.24
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Groceries
  • Points
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
014
js-table-filter bizname-us-bank--harleydavidson-visa-secured-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
js-table-filter gas-139
js-table-filter points-137
23.24
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-132
js-table-filter credit-required-113
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Gas
  • Points
  • Restaurants
  • Travel
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Purchases APR 23.24%
Balance Transfer APR 23.24%
024
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