U.S. Bank Cash+ Visa Signature Review
U.S. Bank · People with high utility or cell phone bills
4.3 / 5 (1890 reviews)
Annual Fee
No annual fee
Rewards
5% on two chosen categories, 2% on one chosen category, 1% on everything else
Regular APR
19.49% – 29.49%
Credit Needed
Good (670-749)
Our Expert Verdict
8/10
Editor's Score
The 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.
Pros
- 5% on unique categories like utilities
- No annual fee
- Customizable categories
- Intro APR offer
Cons
- $2,000/quarter cap on 5%
- 3% foreign transaction fee
- Must remember to choose categories
Sign-Up Bonus
$200 after spending $1,000 in 120 days
Key Benefits & Perks
5% back on 2 chosen categories
Unique categories like utilities & cell phone
No annual fee
0% intro APR for 15 months
Contactless payment
Rewards Breakdown
| Category | Rate |
|---|---|
| Chosen Category 1 | 5% |
| Chosen Category 2 | 5% |
| Chosen Everyday Category | 2% |
| Everything else | 1% |
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People with high utility or cell phone bills
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Customer Reviews
4.3
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