U.S. Bank Cash+ Visa Signature Card review

Cash+ gives you more control than any other card here. Each quarter you choose two categories that earn 5% cash back on your first $2,000 in combined eligible purchases, from options such as home utilities, cell phone providers, fast food, department stores, electronics stores, movie theaters, ground transportation and gyms, plus one everyday category that earns 2%: grocery stores and grocery delivery, restaurants, or gas stations and EV charging stations. Everything else earns 1%. Grocery purchases at discount stores, supercenters and wholesale clubs do not count for the bonus rate. New cardmembers can earn a $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days, and there is a 0% intro APR on purchases and balance transfers for the first 15 billing cycles. The card has no annual fee. It ranks last because it takes the most work: if you do not enroll each quarter, all purchases earn no more than 1%, and cash rewards expire 36 months after the billing cycle in which they were earned.

Who it is for

People with large, predictable bills such as utilities or phone plans who will pick categories every quarter.

Price

$0 annual fee.

Enjoy all the benefits with no annual fee
Quoted from the vendor pricing page on November 8, 2026.

Key features

• 5% cash back on your first $2,000 in combined purchases in two categories you choose each quarter
• 2% on one everyday category you choose: grocery stores and grocery delivery, restaurants, or gas stations and EV charging
• 5% on prepaid air, hotel and car reservations booked in the U.S. Bank Travel Center
• $200 rewards bonus after $1,000 in eligible purchases within 90 days
• 0% intro APR on purchases and balance transfers for the first 15 billing cycles

Strengths and weaknesses

• Strength: You choose the 5% categories, including home utilities and cell phone providers
• Strength: No annual fee
• Strength: Long intro APR on purchases and balance transfers
• Weakness: You must enroll in categories every quarter or everything earns no more than 1%
• Weakness: Cash rewards expire 36 months after the billing cycle in which they were earned
• Weakness: The welcome bonus needs $1,000 in spending, double most rivals

Key facts

• Annual fee: $0
• 5% categories: Two you choose each quarter, on the first $2,000 combined
• 2% category: One everyday category you choose
• Welcome bonus: $200 after $1,000 in 90 days
• Intro APR: 0% for the first 15 billing cycles

Where it ranks

U.S. Bank Cash+ Visa Signature Card is No. 10 in our Best Cash Back Credit Cards verdict.