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The US Bank Cash Plus Visa Signature Card is not your typical cashback card.
Unlike others that lock you into pre-set categories, this one lets you choose how you earn.
Each quarter, you get to handpick your top two 5% cashback categories and a 2% category—making it one of the most customizable reward cards in the market.
For people who spend regularly on things like internet bills, streaming subscriptions, or utilities, this flexibility translates into real monthly savings.
And because the card is part of the Visa Signature network, it offers a host of extra protections, concierge services, and travel benefits—even though it doesn’t focus on travel rewards.
With no annual fee and a generous welcome bonus, the US Bank Cash Plus Visa Signature is an easy win for anyone who wants maximum cashback without minimum effort—as long as you remember to choose your categories.
US Bank Cash Plus Visa Signature
No annual fee Requires good to excellent creditHow does the US Bank Cash Plus Visa Signature Card work?
Every three months, cardholders log in to their U.S. Bank account to select two categories that will earn 5% cash back, plus one category that will earn 2% back on unlimited purchases.
The 5% cashback is capped at $2,000 in combined purchases per quarter, which still gives you the potential to earn $100 every quarter—$400 a year.
Once you hit the $2,000 limit, the purchases in those categories revert to 1% cashback. All other purchases that don’t fall into the selected categories will also earn 1% back by default, ensuring that nothing goes unrewarded.
Cash back can be redeemed for a statement credit, direct deposit, or even gift cards, giving you flexibility not only in how you earn but how you use your rewards.
The account is managed through a user-friendly mobile app or website, where you’ll also get alerts when it’s time to reselect your categories.
Main benefits for the US Bank Cash Plus Visa Signature Card
What truly sets this card apart is its customizable cashback model. You’re not stuck earning on restaurants or groceries if that’s not where you spend.
You can shift your 5% category to whatever fits your current lifestyle—like electronics stores one quarter and streaming services the next.
The $200 sign-up bonus is another great perk, and it’s not difficult to earn—it requires just $1,000 in spending within the first 120 days. That’s a relatively low threshold compared to other cards with similar bonuses.
Plus, there’s no annual fee, so whether you’re a power-user or occasional spender, you won’t pay just for having the card in your wallet. US Bank Cash Plus Visa Signature benefits, including travel and emergency assistance, extend the card’s value even further.
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Cons for the US Bank Cash Plus Visa Signature Card
One of the biggest drawbacks of the card is the need to manually select categories each quarter.
If you forget to do this, your cashback defaults to 1%, which could mean losing out on hundreds of dollars in potential rewards.
The $2,000 quarterly cap on 5% cashback also limits how much you can earn in those categories. Big spenders might find this cap restrictive, especially if they routinely exceed that limit.
Additionally, the card doesn’t shine for international use. There’s a foreign transaction fee, making it less than ideal for travelers. It’s also worth noting that you need good to excellent credit to be approved, so it’s not a beginner-friendly option.
APR and Fees
The card offers a variable APR ranging between 19.74% and 29.74%, depending on your credit profile.
There’s no annual fee, which is great for long-term use, especially if you’re disciplined about paying balances in full.
Late payments incur a fee of up to $41, and returned payments can also trigger penalties. There’s a foreign transaction fee of 2% to 3%, depending on the currency used—so international shoppers should be cautious.
However, if used domestically and responsibly, the fee structure is quite fair and aligned with what you’d expect from a top-tier cashback card.
How to Apply for the US Bank Cash Plus Visa Signature Card
- Go to the official U.S. Bank website and locate the Cash+ Visa Signature page
- Click “Apply Now” and fill out the secure application form with your personal details
- Submit your application and wait for a quick decision—often delivered in seconds
- Upon approval, you’ll receive your card by mail within 7 to 10 business days
- Activate your card, select your first 5% and 2% categories, and start earning cash back right away
If you’re looking for a powerful cashback card with built-in customization, the US Bank Cash Plus Visa Signature Card delivers flexibility, rewards, and savings—all without charging an annual fee.
