What you get
Rewards and benefits
How it earns
Additional 5% cash back on Travel Center reservations Plus, earn 1% cash back on all other eligible purchases. You can earn 2% cash back by choosing one of the following categories each quarter: gas stations and EV charging stations*, restaurants or grocery stores* Choose your categories each quarter. If you do not choose your categories, all eligible purchases will still earn 1% cash back. If eligible purchases exceed $2,000 per quarter on 5% categories, you will still earn 1% on those purchases. Category options may change on a quarterly basis.
- Choose quarterly bonus categories
- Category caps apply
Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.
What it costs
Fees, rates and terms
Annual fee$0
Advertised credit profileGood to excellent credit
The advertised credit profile is general guidance, not a score cutoff or an approval prediction. U.S. Bank makes every lending decision.
- Introductory APR and duration
- The 0% introductory APR applies to purchases and is valid for the first 15 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 15 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.
- Balance transfers and fees
- The 0% introductory APR applies to purchases and is valid for the first 15 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 15 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.
- Cash advances and fees
- The 0% introductory APR applies to purchases and is valid for the first 15 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 15 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.
- Redemption options and restrictions
- Then select the Redeem rewards icon and choose the reward you would like to redeem. To earn cash back, choose and activate your Cash+ Categories. You’ll earn with every eligible purchase. Redeem your cash back anytime online. Yes. Your U.S. Bank Cash+ Visa Signature Credit Card is eligible for Real Time Rewards, a redemption method that instantly turns your purchases into rewards. You can use your mobile device to redeem cash rewards earned on your U.S. Bank Cash+ Visa Signature Credit Card. Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.
- Other conditions
- Earn a bonus that has increased from $150 to $200 cash back.
Conditions to know
- Cardholder category selection is required for bonus rates.
- Eligible categories and quarterly caps are determined by U.S. Bank.
- Cash back redemption and introductory offers follow current program terms.
Recorded from U.S. Bank’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
Your call
Before you apply for the U.S. Bank Cash+® Visa Signature® Card
- Check merchant-category definitions, spending caps and enrollment rules before assuming the advertised bonus rate applies to every purchase.
- Treat an eligible welcome offer as first-year value only, separately from ongoing rewards. Review spend requirements and account eligibility.
- Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.
Read the full application checklist →See how it fits your spending in Find My Card →
