U.S. Bank Cash+ Visa Signature
No fee
U.S. Bank
U.S. Bank Cash+ Visa Signature
4.3
(1,890 reviews)cashback
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026The only card that lets you earn 5% on utility bills, cell phone bills, TV/internet/streaming, and other categories that competitors don't cover. Choose two 5% categories and one 2% category each quarter. Unique categories make this an excellent complementary card.
Annual Fee
No annual fee
Purchase APR
19.49% – 29.49%
Rewards
1% base rate
Sign-Up Bonus
$200 value
Credit Score
Good (670-749)
Foreign Txn Fee
3%
Who Should Get This Card
The U.S. Bank Cash+ Visa Signature is best suited for established credit users who people with high utility or cell phone bills. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- 5% on unique categories like utilities
- No annual fee
- Customizable categories
- People with high utility or cell phone bills
Consider another card if you…
- $2,000/quarter cap on 5%
- 3% foreign transaction fee
- Must remember to choose categories
Rewards Breakdown
5% on two chosen categories, 2% on one chosen category, 1% on everything else
| Category | Rate |
|---|---|
| Chosen Category 1(Choose 2 categories for 5% ($2,000/quarter)) | 5% |
| Chosen Category 2 | 5% |
| Chosen Everyday Category | 2% |
| Everything else | 1% |
Rewards Distribution
5%
top rate
Chosen Category 15%38%
Chosen Category 25%38%
Chosen Everyday Category2%15%
Everything else1%8%
Sign-Up Bonus
$200 after spending $1,000 in 120 days
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 19.49% – 29.49% |
| Intro APR (Purchases) | 0% for 15 months |
| Intro APR (Balance Transfer) | 0% for 15 months |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | 3% |
| Late Fee | Up to $40 |
Pros & Cons
5% on unique categories like utilities
No annual fee
Customizable categories
Intro APR offer
$2,000/quarter cap on 5%
3% foreign transaction fee
Must remember to choose categories
The Bottom Line
The Good: The U.S. Bank Cash+ Visa Signature stands out for its 5% on unique categories like utilities. The welcome bonus worth $200 adds significant first-year value.
The Not So Good: $2,000/quarter cap on 5%.
Our Verdict: With an editor score of 8/10, the U.S. Bank Cash+ Visa Signature is one of our top-rated cards in its category. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the U.S. Bank Cash+ Visa Signature?▾
The U.S. Bank Cash+ Visa Signature has no annual fee — you'll never be charged just for keeping the card open.
What is the sign-up bonus for the U.S. Bank Cash+ Visa Signature?▾
The U.S. Bank Cash+ Visa Signature currently offers a sign-up bonus worth approximately $200. $200 after spending $1,000 in 120 days Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the U.S. Bank Cash+ Visa Signature?▾
The U.S. Bank Cash+ Visa Signature earns 1% on all purchases, and up to 5% in select bonus categories. Rewards are earned as cash back credited to your statement.
What credit score do I need for the U.S. Bank Cash+ Visa Signature?▾
The U.S. Bank Cash+ Visa Signature is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the U.S. Bank Cash+ Visa Signature charge a foreign transaction fee?▾
Yes, the U.S. Bank Cash+ Visa Signature charges a 3% foreign transaction fee on purchases processed outside the U.S.
What is the APR on the U.S. Bank Cash+ Visa Signature?▾
The U.S. Bank Cash+ Visa Signature has a variable purchase APR of 19.49% – 29.49%, with a 0% intro APR for the first 15 months. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the U.S. Bank Cash+ Visa Signature best for?▾
The U.S. Bank Cash+ Visa Signature is best for People with high utility or cell phone bills. A key advantage: 5% on unique categories like utilities.
Customer Reviews
4.3
1,890 reviews
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