Credit card

U.S. Bank Cash+® Visa Signature® Card

Cash back

VISA

Apply for U.S. Bank Cash+® Visa Signature® Card

On U.S. Bank's secure site

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Credit card U.S. Bank Visa

Card review

U.S. Bank Cash+® Visa Signature® Card

4.9 9.8/10 DebitCue Score Verified Jun 20, 2026

Choose your 5% cash-back categories every quarter

Fee: No fee
Purchase APR: 17.74% - 27.99%
Interest-free: -
Foreign fee: 3%

Rewards

5% cash back on two chosen categories each quarter (up to $2,000 combined quarterly spend, then 1%); 5% on prepaid travel via Rewards Center; 2% on one chosen everyday category (gas/EV, groceries, or dining); 1% on all other purchases.

Welcome offer

$250 cash back bonus after spending $1,000 in eligible purchases within the first 90 days

Our verdict

What stands out, and where it falls short.

What we like

5% cash back on two chosen categories each quarter…
Welcome bonus
No card fee
Pay in installments

Worth weighing

3% foreign transaction fee

Who It Is For

Whether the U.S. Bank Cash+® Visa Signature® Card fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
People who want rewards on their spending
People who pay big purchases off over time

Skip it if you are

Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Purchase APR: 17.74% - 27.99%
Interest-free period: -
Foreign transaction fee: 3%
Intro APR: 0% on purchases and balance transfers for 15 billing cycles
Regular APR: 17.74%–27.99% variable
Foreign Transaction Fee: 3%

Rewards and features

Rewards: 5% cash back on two chosen categories each quarter (up to $2,000 combined quarterly spend, then 1%); 5% on prepaid travel via Rewards Center; 2% on one chosen everyday category (gas/EV, groceries, or dining); 1% on all other purchases.
Welcome offer: $250 cash back bonus after spending $1,000 in eligible purchases within the first 90 days
Installments: U.S. Bank ExtendPay® Plans available with $0 fee offer in first 60 days
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
5% category cap: 5% applies to first $2,000 in combined quarterly purchases across two chosen categories
Quarterly enrollment: Must enroll chosen categories each quarter; missing deadline results in 1% base rate

Benefits and perks

Extras that come bundled with the card.

Extended warranty protection

Extends manufacturer's warranty coverage on eligible purchases
Auto rental collision damage waiver

Secondary coverage on eligible rental vehicles
Purchase security

Coverage against damage or theft within 90 days of purchase
24/7 Travel & Entertainment Concierge

Visa Signature concierge for travel arrangements, event tickets, and dining reservations

U.S. Bank Cash+® Visa Signature® Card: your questions answered

Does the U.S. Bank Cash+® Visa Signature® Card have a card fee?

No - the U.S. Bank Cash+® Visa Signature® Card has no card fee.

What rewards does the U.S. Bank Cash+® Visa Signature® Card earn?

The U.S. Bank Cash+® Visa Signature® Card earns 5% cash back on two chosen categories each quarter (up to $2,000 combined quarterly spend, then 1%); 5% on prepaid travel via Rewards Center; 2% on one chosen everyday category (gas/EV, groceries, or dining); 1% on all other purchases..

Does the U.S. Bank Cash+® Visa Signature® Card charge foreign transaction fees?

Yes - the U.S. Bank Cash+® Visa Signature® Card charges a 3% foreign transaction fee.

What is the interest rate on the U.S. Bank Cash+® Visa Signature® Card?

The U.S. Bank Cash+® Visa Signature® Card has a purchase APR of 17.74% - 27.99%.

Does the U.S. Bank Cash+® Visa Signature® Card have a welcome offer?

Yes - $250 cash back bonus after spending $1,000 in eligible purchases within the first 90 days.

Can I pay in installments with the U.S. Bank Cash+® Visa Signature® Card?

Yes - U.S. Bank ExtendPay® Plans available with $0 fee offer in first 60 days.

Is the U.S. Bank Cash+® Visa Signature® Card a credit, debit or prepaid card?

The U.S. Bank Cash+® Visa Signature® Card is a credit card issued by U.S. Bank on the Visa network.

Does the U.S. Bank Cash+® Visa Signature® Card support Apple Pay and Google Pay?

Yes - the U.S. Bank Cash+® Visa Signature® Card works with both Apple Pay and Google Pay.

Where can I get the U.S. Bank Cash+® Visa Signature® Card?

The U.S. Bank Cash+® Visa Signature® Card is currently offered in United States.

How does DebitCue rate the U.S. Bank Cash+® Visa Signature® Card?

DebitCue rates the U.S. Bank Cash+® Visa Signature® Card 4.9 out of 5 (9.8/10), scored on the same factors as every card - fees, rewards, perks and ease of use.