Credit card review
U.S. Bank Cash+ Visa Signature Card Review
U.S. BankVisaCash backNo annual fee0% intro APR
U.S. Bank Cash+ Visa Signature Card earned 4.4 / 5 in our 2026 review. The U.S. Bank Cash+ Visa Signature Card earns 5% on chosen category 1 with no annual fee, a $200 cash back welcome offer. Here is the full Fintiex review for 2026.
By the Fintiex Card Desk · Updated 2026-05-01
TL;DR
Annual fee
$0
Signup bonus
$200
Top reward rate
5% on chosen category 1
Intro APR
0% for 15 mo
Issuer
U.S. Bank
Network
Visa
Min credit score
670
Fintiex rating
4.4 / 5
Pros
- +5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you choose
- +5% cash back on prepaid air, hotel, and car reservations booked directly in the Rewards Travel Center
- +2% cash back on one everyday category such as gas stations, grocery stores, or restaurants
- +1% cash back on all other eligible purchases
- +No annual fee
- +0% intro APR for 15 billing cycles on purchases and balance transfers
- +$200 cash back after spending $1,000 in first 120 days
- +Choose new 5% categories each quarter
Cons
- -5% rate capped at $2,000 combined purchases per quarter
- -3% foreign transaction fee
- -Must actively choose and change 5% categories each quarter or rate drops to 1%
- -No sign-up bonus beyond intro offer
- -U.S. Bank app and website less intuitive than top competitors
Rewards detail
chosen category 1
5%
chosen category 2
5%
everyday category
2%
everything else
1%
Rates and fees
Annual fee
$0
Purchase APR
19.74% to 29.74%
Variable, based on prime rate and creditworthiness
Intro APR
0% for 15 months
Balance transfer APR
19.74% to 29.74%
Cash advance APR
29.99%
Balance transfer fee
3%
Or $5 minimum, whichever is greater
Foreign transaction fee
3%
Who it's for
The Cash+ Visa Signature Card is built for people who want a cash back, no annual fee or 0% intro apr card. Most approvals land at FICO 670 and above, but issuers prefer scores near 700. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.
Not sure this is the right fit? See our best cash back cards roundup.
Compare with similar cards
Frequently asked questions
Does the Cash+ Visa Signature Card have a foreign transaction fee?
Yes. The U.S. Bank Cash+ Visa Signature Card charges a 3% foreign transaction fee on purchases made outside the United States. If you travel internationally often, pair this card with a no-foreign-fee travel card.
What credit score do I need for the Cash+ Visa Signature Card?
Approvals typically start around a FICO score of 670, but U.S. Bank prefers 700 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the Cash+ Visa Signature Card signup bonus?
New cardholders earn $200 cash back after spending $1,000 in the first few months. Fintiex values that at about $200 based on current redemption rates. Match the bonus to a real planned purchase so you do not overspend chasing it.
Does the Cash+ Visa Signature Card have an intro APR?
Yes. The U.S. Bank Cash+ Visa Signature Card offers a 15-month 0% intro APR. After the promo period ends, the standard variable APR of 19.74% to 29.74% applies. Pay off the balance before the intro window closes to avoid back interest.
How much is the annual fee on the Cash+ Visa Signature Card?
$0. The U.S. Bank Cash+ Visa Signature Card has no annual fee, so the math is simple: every dollar of rewards is pure savings.
Is the Cash+ Visa Signature Card worth it?
Fintiex rates the U.S. Bank Cash+ Visa Signature Card 4.4 out of 5 for 2026. It is best for cash back and no annual fee and 0% intro apr. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.
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