U.S. Bank Cash+ Visa Signature
Choosing your own 5% categories each quarter, up to $2,000 of spending.
Vault Nerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Reward rates
Two categories you choose each quarter First $2,000 in combined eligible purchases per quarter, then 1% | 5% |
All other purchases | 1% |
Welcome bonus
$200 rewards bonus after $1,000 of spending in the first 90 days.
Requirement: $1,000 in 90 days
Perks
- 0% intro APR on purchases and balance transfers for the first 15 billing cycles
- Good to excellent credit, roughly 690 and above
Frequently asked questions
Is the U.S. Bank Cash+ Visa Signature worth it?
It has no annual fee. It's best suited to choosing your own 5% categories each quarter, up to $2,000 of spending. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the U.S. Bank Cash+ Visa Signature earn?
It earns 5% on two categories you choose each quarter and 1% on all other purchases.
What credit score do you need for the U.S. Bank Cash+ Visa Signature?
We'd suggest a score of around 690 or higher, which puts approval in our "moderate" band. This is a Vault Nerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed August 2026 · How we research
“U.S. Bank Cash+ Visa Signature Review.” Vault Nerd, https://www.vaultnerd.com/credit-cards/us-bank-cash-plus, updated August 2026.
- U.S. Bank published product page and cardholder agreement