U.S. Bank Cash+® Visa Signature® Card
Basic Information
Program ID: cash-plus-visa-signature-card
Issuer: U.S. Bank
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/07/2026 18:25
Last Scraped: 01/15/2026 08:05
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $200.00
Spending Requirement: $1,000.00
Time Period: 120 days
Bonus Timing: Bonus cash back will be applied to your account within 1-2 billing cycles after you meet the spending requirement.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 0.01%
Bonus Reward Rate: 0.05%
Bonus Categories: Choose two 5% cash back categories (e.g., TV, Internet & Streaming Services, Home Utilities, Cell Phone Providers, Department Stores, Fast Food, Ground Transportation, Select Clothing Stores, Gyms/Fitness Centers, Sporting Goods Stores, Movie Theaters, Furniture Stores, Electronic Stores) and one 2% cash back category (e.g., Gas Stations, Restaurants, Grocery Stores). All other purchases earn 1% cash back.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash back rewards do not expire as long as your account is open and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 700 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: Bonus Eligibility: New cardmembers only. Not available to applicants who have received a bonus for this product in the past 24 months. Application Rules: U.S. Bank generally limits approvals to a maximum of 2 new personal credit cards within the past 12 months (2/12 rule). Applicants are also subject to strict scrutiny regarding recent credit inquiries and new accounts opened with any issuer; it is generally recommended to have no more than 0-1 new credit accounts opened in the past 6 months for optimal approval odds, especially for new U.S. Bank customers. Requires good to excellent credit (typically FICO score 700+) and sufficient income. An existing banking relationship with U.S. Bank may improve approval odds but is not mandatory.
Maximum Cards Per Issuer: 4
Minimum Spend Interval: 90 days
Shutdown Risk Triggers: Manufactured spending, excessive credit limit relative to income across all U.S. Bank cards, frequent balance transfers or cash advances, suspicious account activity, rapid accumulation of credit across multiple issuers, or failure to use the card for legitimate purchases.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.3 / 5.0
Top Positive Feedback:
Excellent for maximizing rewards in specific spending areas with customizable 5% cash back categories (e.g., utilities, internet, streaming, home improvement). No annual fee and offers 2% cash back on an everyday category.
Top Negative Feedback:
Can be difficult to get approved for due to U.S. Bank's strict application rules (e.g., 0/6, 1/12 rule for new accounts). Requires active management to select categories each quarter, and the base earning rate is 1% on everything else.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Citi Custom Cash Card
- Chase Freedom Flex
- Bank of America Customized Cash Rewards credit card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $600.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0
Last Updated: 01/01/2024 00:00