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Effective URL: https://www.usbank.com/credit-cards/offers/cash-plus-visa-signature-credit-card.html?ds_e=otherengine&ds_c=Search_6_USB...
Submission: On September 10 via manual from US — Scanned from DE
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U.S. BANK CASH+® VISA SIGNATURE® CARD
UP TO 5% CASH BACK ON TWO CATEGORIES, PLUS A $200 BONUS.
Earn a bonus that has increased from $150 to $200 rewards bonus after you spend
$1,000 in eligible purchases within the first 90 days of account opening.1 And
enjoy no annual fee.
Plus earn 2% cash back on one everyday category you choose each quarter.
1% cash back on all other eligible spend.
$0 annual fee
See details below.
Get a decision in as little as 60 seconds.
Mobile Carrier Terms.2
Mobile Carrier Terms.2
See annual fee and full terms
Next step: Apply
Log in to apply faster
U.S. BANK CASH+® VISA SIGNATURE® CARD
UP TO 5% CASH BACK ON TWO CATEGORIES, PLUS A $200 BONUS.
Earn a bonus that has increased from $150 to $200 rewards bonus after you spend
$1,000 in eligible purchases within the first 90 days of account opening.1 And
enjoy no annual fee.
5% cash back3 on your first $2,000 in combined eligible purchases each quarter
on two categories you choose4
2% cash back on one everyday category you choose each quarter, like gas stations
and EV charging stations, grocery stores or restaurants4
1% cash back on all other eligible purchases.
$0 Annual Fee Enjoy all the benefits with no annual fee plus a 0% intro APR* on
purchases and balance transfers† for the first 15 billing cycles. After that, a
variable APR applies, currently 19.49% - 29.74%.
ADDITIONAL BENEFITS
5% CASH BACK ON PREPAID TRAVEL.
On air, hotel and car reservations booked directly in the Rewards Center.4
UP TO 5% TOTAL CASH BACK ON ONLINE SHOPPING.
Shop through the Rewards Center Shopping Deals or download the browser extension
for bonus rewards offers with over 1,100 online merchants as you shop –
automatically.
FLEXIBLE REDEMPTION.
Get your cash back as a statement credit, a rewards card or directly deposited
into your U.S. Bank checking or savings account. Enjoy flexible options designed
to fit your needs.3
PAY OVER TIME WITH A U.S. BANK EXTENDPAY® PLAN.5
Receive a new cardmember $0 fee offer* on ExtendPay Plans opened in the first 60
days after account opening.5
Apply now
EARN ON YOUR FAVORITE CATEGORIES.
To earn cash back, choose and activate your Cash+ Categories. You’ll earn with
every eligible purchase. Redeem your cash back anytime online.3
5% CASH BACK ON TWO CATEGORIES YOU CHOOSE
* Fast food
* Home utilities
* TV, internet and streaming
* Department stores
* Cell phone
* Electronic stores
MORE 5% CASH BACK CATEGORIES
* Sporting goods stores
* Movie theaters
* Gyms/fitness centers
* Furniture stores
* Ground transportation
* Select clothing stores
2% CASH BACK ON ONE EVERYDAY CATEGORY YOU CHOOSE LIKE
* Grocery stores and grocery delivery
* Restaurants
* Gas stations and
EV charging stations
Plus, earn 1% cash back on all other eligible purchases.
Apply now
WITH THE CASH+ VISA SIGNATURE CARD YOU GET TO CHOOSE HOW TO MAXIMIZE YOUR
REWARDS
Watch how easy it is.
Apply now
View transcript
CASH BACK CALCULATOR
SEE HOW MUCH CASH BACK YOU COULD EARN.
Select at least one cash back category and enter your monthly spend.
Apply now
AWARDS AND ACCOLADES FOR CASH+
Nerdwallet 2024
Best-Of Awards Winner for Best Credit Card
Best 0% APR Credit Card for Purchases
FREQUENTLY ASKED QUESTIONS
WHAT CREDIT SCORE IS NEEDED TO QUALIFY FOR THE U.S. BANK CASH+ VISA SIGNATURE®
CREDIT CARD?
In general, our credit card products are for customers with a credit score in
the good to excellent range. We also offer several secured credit card products
which are designed for people looking to build or rebuild their credit with
responsible use.
HOW DOES THE U.S. BANK CASH BACK CREDIT CARD WORK?
With the U.S. Bank Cash+® Visa cash back credit card, you can earn 5% cash back
on your first $2,000 in eligible net purchases each quarter on the combined two
categories you choose. You earn 2% cash back on your choice of one everyday
category, and 1% cash back on all other eligible net purchases. If you don't
choose your Cash+ categories each quarter, all your eligible net purchases will
still earn 1% cash back.
HOW DO I EARN CASH BACK ON MY CASH+® VISA CREDIT CARD?
You earn 5% cash back on your first $2,000 in eligible net purchases each
quarter on the combined two categories you choose.3 You earn 2% cash back on
your choice of one everyday category, and 1% cash back on all other eligible net
purchases. If you don't choose your Cash+ categories each quarter, all your
eligible net purchases will still earn 1% cash back.
HOW DO I REDEEM CASH BACK REWARDS ON MY CASH+® VISA CREDIT CARD?
You can get your cash back rewards at any time online through the Rewards
Center.
Log in and select your U.S. Bank Cash+ account. Locate your Cash+ account on the
Dashboard and click on “View Rewards”. On the Rewards & Benefits page, click on
“Redeem Rewards”, and you will then be directed to the Rewards Center where you
can redeem your rewards. Or, call the Cardmember Services number on the back of
your U.S. Bank Cash+® Visa cash back credit card.
WHAT CATEGORIES CAN I EARN 2% CASH BACK WITH MY CASH+® VISA CREDIT CARD?
You can earn 2% cash back by choosing once of the following categories each
quarter: gas stations and EV charging stations, restaurants or grocery stores.
IS MY U.S. BANK CASH+® VISA SIGNATURE® CREDIT CARD ELIGIBLE FOR SHOPPING DEALS?
Yes. Your U.S. Bank Cash+® Visa Signature® Credit Card is eligible to use at the
Rewards Center Shopping Deals. Shopping Deals is the easiest way to earn
additional cash back while shopping online at over 1,100 stores using your U.S.
Bank Cash+ Visa® Credit Card. Earn everyday cash back on your credit card and
then earn additional cash back by shopping through the Rewards Center Shopping
Deals.
HOW DO I USE THE SHOPPING DEALS ON MY U.S. BANK CASH+® VISA SIGNATURE® CREDIT
CARD?
* Log in at usbank.com.
* Under Credit Cards, choose Redeem for your Cash+ card.
* Then select Shopping Deals in the Rewards Center and start shopping.
By using the Rewards Center Shopping Deals with your U.S. Bank Cash+® Visa
Signature® Credit Card, you’ll be able to earn more cash rewards by shopping
online. Earn cash rewards on your credit card purchases and then earn additional
cash rewards by shopping through the Rewards Center Shopping Deals.
IS MY U.S. BANK CASH+® VISA SIGNATURE® CREDIT CARD ELIGIBLE FOR REAL-TIME
REWARDS?
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.
HOW DO I USE REAL-TIME REWARDS ON MY U.S. BANK CASH+® VISA SIGNATURE® CREDIT
CARD?
Once enrolled, redemption is quick and easy. Make a purchase on your U.S. Bank
Cash+® Visa Signature® Credit Card. You’ll receive a text with the option to
redeem cash rewards toward that purchase. Reply "REDEEM" to complete the
redemption. You must have enough cash rewards to cover the entire purchase in
order to receive the text message to redeem.
Your cash rewards will be deducted from your cash rewards balance and redeemed
in the form of a credit to your monthly billing statement. See program rules for
additional details.
WHAT IS U.S. BANK EXTENDPAY®?
U.S. Bank ExtendPay® Plans provide a payment option that allows you to divide
eligible credit card purchases into affordable monthly payments with no
interest* – just a fixed monthly fee.
HOW WILL I KNOW IF I AM ELIGIBLE FOR A U.S. BANK EXTENDPAY® PLAN?
If your credit card account is eligible for a U.S. Bank ExtendPay® Plan, you’ll
receive a notification via email, or you’ll see ExtendPay Plan options when
viewing your card account details or eligible transactions online. The only
purchases eligible for an ExtendPay Plan are those that were made within 60 days
prior to signing up for ExtendPay, are over $100, and are less than your
purchase balance when you sign up for ExtendPay.
ExtendPay Plan eligibility may change based on your credit card account
activity.
Start of disclosure content
DISCLOSURES
U.S. Bank may change APRs, fees and other account terms in the future based on
your experience with U.S. Bank National Association and its affiliates as
provided under the Cardmember Agreement and applicable law.
* 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. Thereafter, the APR may vary.
The current undiscounted variable APR for Purchases and Balance Transfers is
19.49% - 29.74% based on your creditworthiness. The variable APR for Cash
Advances is 32.24%. Cash Advance fee: 5% of each advance amount, $10 minimum.
Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee:
5% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer
amount, $5 minimum. There is a $1 minimum interest charge where interest is due.
Annual fee: $0. Foreign Transaction fee:3% of each foreign purchase transaction
or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase
transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank
ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal
amount in a U.S Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan. This fixed
fee is disclosed upon enrollment and charged each month that you owe the
applicable ExtendPay balance. ExtendPay Fees are calculated based upon the
original principal amount, Purchase APR, and other factors. When you make a
payment, the amount up to your Minimum Payment is applied first to the monthly
payment obligation for ExtendPay Plans and 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 transactions from other U.S. Bank National Association
accounts are not permitted. You may cancel a balance transfer request within 10
days of account opening by calling 800-285-8585.
Net Purchases are Purchases minus credits and returns. Not all transactions are
considered to be Purchases and eligible to earn rewards, such as transactions
posting as Convenience Checks; Balance Transfers; Advances (including ATM
withdrawals, wire transfers, traveler's checks, money orders, foreign cash
transactions, betting transactions, and lottery tickets); interest charges and
fees; credit insurance premiums; and transactions to (i) fund certain prepaid
card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash
convertible items. Upon approval, see your Cardmember Agreement for details.
Purchases qualify for rewards based on how merchants choose to classify their
business and we reserve the right to determine which purchases qualify.
Account must be open and in good standing (not past due) 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.
Start of disclosure content
Footnote
Return to content, Footnote
1. Footnote 1
One-time $200 bonus will be awarded for redemption when you are approved for
a new U.S. Bank Cash+® Visa Signature® Card and after eligible net purchases
totaling $1,000 or more are made to your account within 90 days from account
opening. Please allow 6-8 weeks after you have met the spend requirement for
your bonus to be credited to your rewards balance. Existing and previous
Cash Rewards accounts do not qualify for this one-time bonus. One-time bonus
cash does not apply toward account upgrades. This offer may not be combined
with any other bonus offer. Offer is subject to credit approval.
Return to content, Footnote 1
2. Footnote 2
By clicking Apply, you authorize your wireless carrier to use or disclose
information about your account and your wireless device, if available, to us
or our service provider for the duration of your business relationship,
solely to help us identify you or your wireless device and to prevent fraud.
See our Privacy Policy for how we treat your data.
Return to content, Footnote 2
3. Footnote 3
Cash back is redeemed in the form of a statement credit or a deposit made to
your U.S. Bank Savings, Checking or Money Market Account based on your
designation, or as a U.S. Bank Rewards Card ($25 minimum redemption on cash
back). Subject to applicable law, you may not redeem Cash back, and you will
immediately lose all of your Cash back, if your Account is closed to future
transactions (including, but not limited to, due to Program misuse, failure
to pay, bankruptcy, or death). Cash rewards will expire at the end of the
calendar month 36 months after the billing cycle in which they were earned.
Return to content, Footnote 3
4. Footnote 4
Cardmember must enroll each quarter into categories of their choice, or all
net purchases will earn no more than 1% cash back. You will earn 5% cash
back on your first $2,000 in combined net purchases (purchases minus returns
or credits) in your two chosen 5% categories and 2% cash back in your chosen
2% category. Purchases over $2,000 in the 5% categories will earn 1% cash
back. There are no limits on your 2% or 1% cash back earnings. Transactions
qualify for 5% or 2% cash back based on how merchants classify the
transaction. In addition to earning 1% cash back for every $1 in eligible
Net Purchases, Cash+ Cardmembers will earn an additional 4% cash back for
every $1 in eligible Net Purchases spent on prepaid air, car and hotel
reservations in the travel center using your Cash+ Card. Please allow 1-2
statement billing cycles for your bonus cash back to appear on your credit
card statement. Refer to the Rewards Center for full details.
Return to content, Footnote 4
5. Footnote 5
From time to time we may offer to you the benefit of our U.S. Bank
ExtendPay® Plans, which allow you to pay off balances in fixed monthly
payments over time and still avoid paying interest charges on new Purchases.
You may designate up to 50% of your credit card line ($100 minimum) in
eligible credit card purchases and pay in monthly installments with just a
small fixed monthly fee. Only Purchase balances are eligible for
ExtendPayPlans. Transactions identified as Advances or Balance Transfers (as
defined in your Cardmember Agreement), and any interest or fees, including
Annual Fee, do not apply. The only Purchases that will appear as "Eligible
Purchases" in the enrollment process are Purchases that were made within 60
days prior to signing up for an ExtendPay Plan, are over $100, and are less
than your Purchase balance when you sign up for an ExtendPay Plan. Any
unpaid balance remaining on an ExtendPay Plan after the chosen pay-back
period will be subject to the APR and minimum payment calculation for
purchases outlined in the Cardmember Agreement.
Return to content, Footnote 5
Start of disclosure content
The Contactless Symbol and Contactless Indicator are trademarks owned by and
used with the permission of EMVCo, LLC.
The creditor and issuer of this card is U.S. Bank National Association, pursuant
to a license from Visa U.S.A. Inc., and the card is available to United States
residents only.
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