U.S. Bank Cash+<sup>®</sup> Visa Signature<sup>®</sup> Card

U.S. Bank Cash+® Visa Signature® Card

Earn $200 cash back!
When you spend $1,000 within the first 90 days.1,2

Apply now
Apply now
Plus, a 0% introductory APR3 on purchases and balance transfers4 for 15 billing cycles, thereafter, a variable APR, currently 18.74% - 28.99%.

  • 5%

    cash back on your first $2,000 in combined purchases each quarter on two categories you choose.5

  • 2%

    cash back on one everyday category, like gas stations and EV charging stations or grocery stores  (excludes discount stores/supercenters and wholesale clubs), you choose every quarter.

  • 1%

    cash back on all other purchases.

  • suitcase with 5 percent

    cash back on prepaid airfare, hotels and car rentals booked directly through the Rewards Center.

Apply now

Questions? Contact your banker:

Todd Flesch

Email

  • Privacy Cobrowse Your California privacy choices

    You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our PRIVACY POLICY for how we treat your data.

    U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

    Net purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn cash back, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. See your Cardmember Agreement for details. A purchase will not earn additional cash back if the merchant's selected code is in a category that is not eligible for additional cash back earning. We do not determine the category codes that merchants choose and reserve the right to determine which purchases qualify for additional cash back.

    Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Subject to applicable law, you may not redeem cash back, and you will immediately lose all of your cash back, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.

    1. You will be eligible for the one-time $200 cash back if you are approved for a new U.S. Bank Cash+ Rewards Visa Signature Card and spend at least $1,000 in Net Purchases that post to the Account within the first 90 days of account opening. Please allow 6-8 weeks for your bonus rewards to be credited to your Account. This offer may not be combined with any other bonus offer. Use of the Card is subject to terms and conditions of the applicable Account’s Cardmember Agreement, which is provided at Account opening and may be amended from time to time. Existing or previous cardmembers are not eligible if you have received a new Account bonus for this product in the last five years.

    2. Maximum Cash Rewards value applies to Cash Rewards redeemed for a statement credit or deposit into an eligible U.S. Bank Account. The redemption value may be different if you choose to redeem your Cash Rewards for other rewards such as a U.S. Bank Rewards Card. Other restrictions apply. Establishment or ownership of a U.S. Bank Account or other relationship with U.S. Bank is not required to obtain a card or to be eligible to use Cash Rewards to obtain any rewards offered under the program. Minimum redemption amounts may vary and are subject to change without notice.

    3. The 0% introductory APR applies to purchases and is valid for the first 15 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 15 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the rate may vary. The current undiscounted variable APR for Purchases and Balance Transfers is 18.74% - 28.99% (based on creditworthiness). The variable APR for Cash Advances is 31.49%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. Annual fee: $0. Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in an U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. U.S. Bank ExtendPay® Fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.

    4. Balance Transfer Information: Balance Transfer transactions from other U.S. Bank National Association accounts are not permitted. You may cancel a balance transfer within 10 days of account opening or by calling 800-285-8585. After 10 days from account opening, requests to stop payment on Balance Transfer Check(s) issued by U.S. Bank shall not be honored unless the check(s) has been stolen, lost or destroyed.

    5. Cardmember must enroll each quarter into categories of their choice, or all net purchases will earn no more than 1% cash back. You will earn 5% cash back on your first $2,000 in combined net purchases (purchases minus returns or credits) in your two chosen 5% categories and 2% cash back in your chosen 2% category. Purchases over $2,000 in the 5% categories will earn 1% cash back. IMPORTANT CHANGE: Effective April 14, 2025, grocery store and supermarket purchases at discount stores/supercenters such as Target and Walmart and wholesale clubs will only earn 1% cash back. Gas station and electric vehicle charging station purchases at discount stores/supercenters, wholesale clubs and grocery stores/supermarkets will only earn 1% cash back. There are no limits on your 2% or 1% cash back earnings. In addition to earning 1% cash back for every $1 in eligible Net Purchases, Cash+ Cardmembers will earn an additional 4% cash back for every $1 in eligible Net Purchases spent on prepaid air, car and hotel reservations in the travel center using your Cash+ Card. Please allow 1-2 statement billing cycles for your bonus cash back to appear on your credit card statement. Refer to the Rewards Center for full details. Cash back is redeemed in the form of a statement credit, or a deposit made to your U.S. Bank Savings, Checking or Money Market Account based on your designation. The redemption value may be different if you choose to redeem your cash back for other rewards. Cash rewards will expire at the end of the calendar month 36 months after the billing cycle in which they were earned.

    The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc., and the card is available to United States residents only.

    ©2024 U.S. Bank