U.S. Bank Cash+ Visa Signature Card
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Earn a $250 rewards bonus after spending $1,000 in eligible net purchases within the first 90 days of account opening; the bonus is credited to your rewards balance within 1-2 statement billing cycles after the spend requirement is met; existing and previous U.S. Bank Cash Rewards accounts do not qualify for this one-time bonus; the bonus does not apply toward account upgrades and may not be combined with any other bonus offer; offer is subject to credit approval and U.S. Bank has historically run this card at $200 in slower periods, so $250 is the current public welcome offer as of May 2026
$250 rewards bonus once $1,000 of spend posts within your first 90 days. No annual fee. Limited-time offer with no stated end date.
- Annual fee
- No annual fee
Welcome offers change often and can differ by application channel. Verify the current offer with the issuer before you apply.
Earning Rates
Earning rates
7- 5%everything else
5% cash back on the first $2,000 in combined eligible net purchases each quarter across two 5% categories you choose; purchases beyond the $2,000 combined quarterly cap drop to the base 1% rate; if you fail to choose categories for a given quarter all purchases earn the base 1% rate (no category penalty, just no 5% multiplier without enrollment)
- 2%dining
2% cash back on one everyday category you choose from gas stations and EV charging stations, grocery stores, or restaurants; the 2% category has no quarterly spend cap so there is no ceiling on 2% earnings (this is a meaningful structural advantage over Citi Custom Cash, which caps top-category 5% at $500/cycle but doesn't offer an uncapped 2% tier)
- 1%everything else
1% cash back on all other eligible net purchases with no spending cap and no enrollment required; 1% also applies to spend in your chosen 5% categories beyond the $2,000 quarterly combined cap and to all spend if you do not select categories for the quarter
- 1%groceries
Grocery store and supermarket purchases at discount stores/supercenters (such as Target and Walmart) and at wholesale clubs (such as Costco and Sam's Club) earn only 1% cash back regardless of category selection because those merchants are coded under their primary merchant category, not as grocery stores
- 1%groceries
Gas station and EV charging station purchases made at discount stores/supercenters, wholesale clubs, and grocery stores/supermarkets earn only 1% cash back for the same merchant-category-code reason; standalone gas station chains (Shell, Exxon, BP, Chevron, etc.) and dedicated EV charging networks code correctly for the 2% rate
- 5%lodging
5% cash back on prepaid air, car, and hotel reservations booked through the U.S. Bank Rewards Travel Center using your Cash+ Card (this stacks as an additional 4% on top of the 1% base earn rate, so the effective rate on Travel Center bookings is 5%); no annual cap on this 5% travel center earning, but bookings must be prepaid through the U.S. Bank portal to qualify
- 1%
Cash back is earned as cash rewards at a 1:1 ratio (1% cash back = $0.01 per $1 spent) and never expires as long as the account remains open and in good standing; rewards do not have a tiered conversion or a points-based intermediary - earnings appear directly as a cash rewards balance
Statement credits
1- $25Redemption options for cash rewards
Redemption options for cash rewards: statement credit applied to your Cash+ Card account, direct deposit to a U.S. Bank checking or savings account, direct deposit to a non-U.S. Bank checking or savings account (added in recent years), paper check by mail, or U.S. Bank Rewards Card (a Visa prepaid card loaded with your rewards); redemptions can be requested for any amount with no minimum redemption threshold (U.S. Bank removed the historical $25 minimum)
Perks & memberships
4- Authorized users$0 annual fee with no fee for authorized users; the card has no monthly fee, no enrollment fee, and no fee for paper statements or online access
- RedemptionReal-Time Rewards: opt-in service that lets you redeem cash rewards instantly via text message at the point of purchase; after making an eligible purchase with the Cash+ Card you receive an SMS offering to redeem cash rewards to cover that purchase (reply 'REDEEM' to apply the redemption), provided you have enough cash rewards to cover the entire transaction amount; available through the U.S. Bank Mobile App
- No foreign feesForeign transaction fee: 3% of each purchase transaction made outside the United States or in a foreign currency (this makes the Cash+ a poor choice for international purchases - the U.S. Bank Altitude Connect and Altitude Reserve both charge $0 foreign transaction fees and are better U.S. Bank choices for travel abroad)
- ConciergeVisa Signature network benefits (when the card is issued on the Visa Signature tier rather than the standard Visa Platinum tier, which depends on your approved credit line): Visa Signature Concierge for 24/7 personal assistance with travel, dining, and entertainment bookings; Visa Signature Luxury Hotel Collection with complimentary in-room Wi-Fi, $25 food/beverage credit, room upgrade at check-in (when available), and late checkout at participating properties; Visa Signature Offers and Sonic Drive-In, ShopRunner, and various Visa merchant promotions
Travel & purchase protections
1- $0 fraud liability: you are not held responsible for unauthorized charges made with your card or account information; 24/7 fraud monitoring by U.S. Bank with text/email/phone alerts for suspicious activity
More benefits & fine print (4)ShowHide
- 12 quarterly 5% category choices include: TV, internet and streaming services; cell phone providers; fast food; electronics stores; sporting goods stores; department stores; ground transportation; home utilities; movie theaters; gyms/fitness centers; furniture stores; and select clothing stores (the exact 12-category list is set by U.S. Bank and may rotate or be revised on a quarterly basis at the issuer's discretion)
- Cardmembers must enroll category choices each quarter through usbank.com or the U.S. Bank Mobile App; categories selected in a prior quarter do not roll over automatically and must be re-selected (or changed) before the start of each new quarter to earn the 5% and 2% rates; category options may change on a quarterly basis at U.S. Bank's discretion
- ExtendPay Plan: convert eligible purchases of $100 or more into fixed monthly installment payments with a fixed monthly fee and no separate origination fee (no interest charged on ExtendPay balances, just a flat monthly fee); useful for managing large purchases over time while still earning cash back at the time of purchase
- Cash+ Visa Secured Card upgrade path: U.S. Bank also offers a secured version of the Cash+ Visa for cardmembers building or rebuilding credit, with the same 5%/2%/1% earnings structure but a refundable security deposit required
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How to Earn the Bonus
Spend $1,000 in the first 3 months to earn the $250 cash back bonus.
See the Current Offer
Earn $250 cash back
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
