U.S. Bank Cash+ Visa Signature Card
A no-annual-fee card that lets you choose your own 5% cash back categories each quarter from a list, plus 2% on an everyday category of your choice.
Why it ranks
- No annual fee
- Customizable 5% categories
- 0% intro APR period
What holds it back
- Must enroll in categories each quarter
- $2,000 quarterly 5% cap
- 3% foreign transaction fee
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A no-annual-fee card that lets you choose your own 5% cash back categories each quarter from a list, plus 2% on an everyday category of your choice.
U.S. Bank Cash+ Visa Signature Card at a glance
| Issuer | U.S. Bank |
| Card network | Visa |
| Annual fee | No annual fee |
| Welcome bonus | Cash back bonus after meeting the minimum spend |
| Rewards rate | 5% on two chosen categories (first $2,000 combined per quarter), 2% on one everyday category, 1% on everything else |
| Intro APR | 0% intro APR on purchases and balance transfers for 12 billing cycles |
| Regular APR | 19.24%–29.24% variable |
| Foreign transaction fee | 3% |
| Credit needed | Good to Excellent (700+) |
| Best for | People who want to customize their 5% cash back |
| Airport lounge access | No |
Rewards & benefits
- Choose 5% categories like utilities, streaming, or home utilities
- 2% on a chosen everyday category like gas or grocery
- Quarterly category enrollment required
Eligibility & who it suits
- Good-to-excellent credit score
- Quarterly category selection required to earn 5%
- Sufficient income to support the line
How to apply
Check current rates on U.S. Bank’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | UU.S. BankCash+ Visa SignatureNo annual fee · US U.S. Bank Cash+ Visa Signature CardPeople who want to customize their 5% cash back |
None | 5% on two chosen categories (first $2,000 combined per quarter), 2% on one every… | Cash back bonus after meeting the minimum spend | 3% | Good to Excellent (700+) | |
| 2 | CChaseFreedom UnlimitedNo annual fee · US Chase Freedom UnlimitedEveryday spenders who want simple cash back and pair it with Chase points |
None | 5% travel via Chase, 3% dining & drugstores, 1.5% all other purchases | Extra cash back in the first year on bonus spend | 3% | Good (690+) | |
| 3 | AEAmerican ExpressBlue Cash Preferred$95/yr · US Blue Cash Preferred Card from American ExpressFamilies with high grocery and streaming spend |
$95/yr | 6% U.S. supermarkets (up to $6k/yr), 6% select U.S. streaming, 3% transit & U.S.… | Statement-credit welcome offer | 2.7% | Good to Excellent (700+) | |
| 4 | CChaseFreedom FlexNo annual fee · US Chase Freedom FlexPeople who can track and activate rotating 5% categories |
None | 5% rotating quarterly categories (activation required), 5% travel via Chase, 3%… | Cash bonus after the minimum spend | 3% | Good (690+) |
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