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U.S. Bank Cash+ Visa Signature Card card art
U.S. Bank · cash plus

U.S. Bank Cash+ Visa Signature Card

4.1 / 5
Cash back · Personal card

One of the few no-annual-fee cards that pays 5% on categories most issuers ignore, such as home utilities and cell phone bills. It only works if you remember to re-select your categories every quarter, because unselected spending drops to 1%.

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At a glance

Welcome bonus
$200 cash
Spend $1,000 in 3 months
Annual fee
$0
Purchase APR
17.74% to 27.99%
Intro: 0% for 15 months
FX fee
3%
BT intro: 0% for 15 months
Editorial

Our take

One of the few no-annual-fee cards that pays 5% on categories most issuers ignore, such as home utilities and cell phone bills. It only works if you remember to re-select your categories every quarter, because unselected spending drops to 1%.

Verdict

Pros & cons

Pros

  • 5% on two chosen categories on the first $2,000 each quarter, plus 2% on one uncapped everyday category
  • Category list includes home utilities and cell phone providers, which few cards reward
  • $200 bonus after $1,000 in the first 90 days with no annual fee
  • 0% intro APR on purchases and balance transfers for 15 billing cycles

Cons

  • Categories must be re-selected every quarter or everything earns 1%
  • 3% foreign transaction fee
  • Cash rewards expire 36 months after the billing cycle in which they were earned
Earnings

Earn rates

CategoryRateNotes
Two chosen 5% categories5%First $2,000 in combined net purchases each quarter across two categories you pick from a list of twelve, including cell phone providers, home utilities, TV/internet/streaming, department stores, fast food, electronics stores, furniture stores, ground transportation, gyms, movie theaters, select clothing stores and sporting goods stores. Spending above $2,000 earns 1%.·cap $2,000
Prepaid travel via U.S. Bank Travel Center5%Prepaid air, hotel and car reservations booked directly in the U.S. Bank Travel Center.
One chosen 2% category2%One everyday category each quarter: gas and EV charging stations, grocery stores, or restaurants. Discount stores, supercenters and wholesale clubs are excluded. No cap.
All other purchases1%
Benefits

Key benefits

Two 5% categories you choose

Pick two 5% categories each quarter from a list of twelve, covering the first $2,000 of combined spending, plus one 2% everyday category with no cap.

5% on prepaid travel

Air, hotel and car reservations prepaid through the U.S. Bank Travel Center earn 5% back with no category selection needed.

15 billing cycles at 0% APR

0% intro APR on purchases and on balance transfers made within 60 days of account opening, for the first 15 billing cycles.

No annual fee

The terms disclosure lists the annual membership fee as None.

Fit

Who this is best for

  • People with concentrated bills in one or two categories such as utilities or a phone plan
  • Anyone willing to log in each quarter to pick categories
  • Shoppers who want a 5% rate without paying an annual fee
FAQ

Frequently asked questions

What is the U.S. Bank Cash+ welcome bonus?
One-time $200 bonus will be awarded for redemption when you are approved for a new U.S. Bank Cash+ Visa Signature Card and after eligible Net Purchases totaling $1,000 or more are made to your account within 90 days from account opening.
Does the U.S. Bank Cash+ charge an annual fee?
No. The U.S. Bank Cash+ has a $0 annual fee.
Does the U.S. Bank Cash+ have a foreign transaction fee?
Yes. The U.S. Bank Cash+ charges a 3% foreign transaction fee on purchases made outside the US.
Does the U.S. Bank Cash+ offer a 0% intro APR?
Yes. The card offers an intro APR of 0% for 15 months on purchases. The ongoing purchase APR is 17.74% to 27.99% variable.
Who is the U.S. Bank Cash+ best for?
People with concentrated bills in one or two categories such as utilities or a phone plan. Anyone willing to log in each quarter to pick categories. Shoppers who want a 5% rate without paying an annual fee.
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U.S. Bank Cash+ Visa Signature Card

Spend $1,000 in 3 months
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Rates accurate as of September 4, 2026. Issuer terms.