U.S. Bank Cash+® Visa Signature® Card

Up to 5% cash back on two categories, plus a $150 $200 bonus.

Get a decision in as little as 60 seconds.

Mobile Carrier Terms.2

Mobile Carrier Terms.2

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U.S. Bank Cash+® Visa Signature® Card

Up to 5% cash back on two categories, plus a $150 $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

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

$ Annual Fee Enjoy all the benefits with no annual fee plus a 0% intro APR5 on purchases and balance transfers6 for the first 15 billing cycles. After that, a variable APR applies, currently $

* Excludes discount stores/supercenters and wholesale clubs

Additional Benefits

5% cash back on prepaid travel.

On air, hotel and car reservations booked directly in the Rewards Center when you use this card.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.

Receive a new cardmember $0 fee offer link opens full terms and conditions on ExtendPay Plans opened in the first 60 days after account opening.7

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*

* Excludes discount stores/supercenters and wholesale clubs

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.

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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. The calculator is for illustrative purposes only as actual card usage may produce different results.

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

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.

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.

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.

You can get your cash back rewards at any time online through the Rewards Center.

  • Log in at usbank.com or the U.S. Bank Mobile App.
  • On the Dashboard, select View rewards on your Cash+ card.
  • Then select the Redeem rewards icon and choose the reward you would like to redeem.

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*

* Excludes discount stores/supercenters and wholesale clubs

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.

  • Log in at usbank.com or the U.S. Bank Mobile App.
  • On the Dashboard, choose View rewards for your Cash+ card.
  • Then select the Shopping deals under "What’s New" 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.

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.

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.

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 link opens full terms and conditions7 – just a fixed monthly fee.

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.

Looking for a credit card with different benefits?

Compare all credit cards.

Check out our wide range of cards that could fit your needs.
 

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Build or reestablish credit.

Earn rewards while building credit for the future with the Cash+® Visa® Secured Card.
 

Learn more
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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.

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. Each merchant’s business is identified by a category code established by Visa. A Purchase will not earn additional rewards if the category code applied to a merchant is in a category that is not eligible for additional rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which Purchases qualify for additional rewards.

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.

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  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.

  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.

  3. Maximum Cash Rewards value applies to Cash Rewards redeemed for a statement credit or deposit into an eligible U.S. Bank Account. The redemption value may be different if you choose to redeem your Cash Rewards for other gift cards, Real-Time Rewards and other rewards options. Other restrictions apply. Establishment or ownership of a U.S. Bank Account or other relationship with U.S. Bank is not required to obtain a card or to be eligible to use Cash Rewards to obtain any rewards offered under the program. Minimum redemption amounts may vary and are subject to change without notice. Cash rewards will expire at the end of the calendar month 36 months after the billing cycle in which they were earned.

  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. Grocery store and supermarket purchases at discount stores/supercenters such as Target and Walmart and wholesale clubs will only earn 1% cash back. Gas station and electric vehicle charging station purchases at discount stores/supercenters, wholesale clubs and grocery stores/supermarkets will only earn 1% cash back. There are no limits on your 2% or 1% cash back earnings. In addition to earning 1% cash back for every $1 spent 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. 

  5. 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.

  6. Balance Transfer 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. After 10 days from account opening, requests to stop payment on Balance Transfer Check(s) issued by U.S. Bank shall not be honored unless the check(s) has been stolen, lost or destroyed.

  7. 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  ExtendPay Plans. 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.

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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.