The U.S. Bank Cash+® Visa Signature® Card is designed for savvy consumers looking to maximize cash back rewards on their everyday purchases. 

With this card, you can earn generous cash back percentages on categories of your choice, providing flexibility and value. Let’s delve into the key features and benefits of this credit card that make it stand out in the competitive landscape.

Key information about the credit card

The U.S. Bank Cash+® Visa Signature® Card offers a $200 rewards bonus after you apply online and spend $1,000 in eligible purchases within the first 120 days of account opening. This substantial bonus kickstarts your cash back earnings, setting the stage for rewarding spending.

How does the annual fee work?

This credit card boasts no annual fee, making it an attractive option for those seeking to maximize rewards without additional costs. The absence of an annual fee enhances the overall value proposition of the U.S. Bank Cash+® Visa Signature® Card.

How is the credit limit determined?

For conventional credit cards like the U.S. Bank Cash+® Visa Signature® Card, credit limits are determined based on several factors including credit history, income, and existing debts. Customers with strong credit profiles typically receive higher credit limits, enabling greater spending flexibility.

Advantages of the credit card

• 5% cash back on select categories: Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories of your choice.

• 2% cash back on everyday spending: Enjoy 2% cash back on everyday categories like gas stations, grocery stores, or restaurants.

• Low introductory APR: Benefit from a low introductory APR on purchases and balance transfers for the first 15 billing cycles, providing financial flexibility.

Standout advantage

The standout advantage of the U.S. Bank Cash+® Visa Signature® Card lies in its customizable cash back program. Cardholders have the unique ability to choose and activate their Cash+ Categories, enabling them to earn cash back on purchases that align with their spending habits and preferences.

Disadvantages

• Category activation requirement: Cardholders need to activate their chosen cash back categories each quarter, which may require proactive engagement.

• Complex reward structure: Managing and optimizing cash back rewards can be intricate, requiring attention to quarterly category selections.

A standout disadvantage

The primary standout disadvantage of this card is the requirement to actively manage and activate cash back categories each quarter. For those seeking a more straightforward rewards program, this feature may present a challenge.

Who can apply for this card?

To apply for the U.S. Bank Cash+® Visa Signature® Card, applicants typically need to meet specific criteria. First, they must meet the minimum age requirement, which is typically either 18 or 21 years old depending on the state and issuer guidelines. Additionally, applicants should have a minimum income threshold to qualify for the card. 

Another essential criterion is a satisfactory credit history, demonstrating responsible credit usage and repayment. Alongside these requirements, applicants are usually asked to provide proof of income to validate their financial capability. It’s important to note that individuals with poor credit scores or limited credit history may find this card unsuitable due to the issuer’s creditworthiness standards. 

How to apply for the U.S. Bank Cash+® Visa Signature® Card

Applying for the U.S. Bank Cash+® Visa Signature® Card is straightforward and can be done through multiple channels:

For the website

To apply for the U.S. Bank Cash+® Visa Signature® Card, start by visiting the U.S. Bank website. Once there, navigate to the credit cards section where you’ll find a range of options available. Look for the U.S. Bank Cash+® Visa Signature® Card among the offerings. When you locate the desired card, click on “Apply Now” to begin the online application process.

By clicking “Apply Now,” you’ll be directed to fill out a detailed application form. Make sure to provide all necessary information accurately and carefully. During the process, you may be asked to input your personal details, contact information, employment history, and financial particulars. Be attentive while filling out each section as required.

After completing the application form, review all information carefully before submitting your application. Depending on the bank’s approval process, you may receive an immediate response or be notified later about the status of your application. Ensure you are familiar with the terms and conditions of the card before finalizing your application.

Through the app

To apply for the U.S. Bank Cash+® Visa Signature® Card via the mobile app, first download and install the U.S. Bank app on your smartphone. Log in if you’re an existing customer or create a new account if you’re new to U.S. Bank. Once logged in, navigate to the credit cards section in the app. Locate the U.S. Bank Cash+® Visa Signature® Card and select it. Tap “Apply Now” or similar to start the application. 

Follow the app’s prompts to enter personal, contact, employment, and financial details accurately. Review all information before submitting. After submission, await a response from the bank—either immediate or via further communication on your application status.

At the branch

To apply for the U.S. Bank Cash+® Visa Signature® Card in person at a U.S. Bank branch, start by locating a branch near your location. Once you’ve identified a convenient branch, visit during regular business hours.

Upon arrival, approach a banking representative or a customer service associate at the branch. Let them know that you’re interested in applying for the U.S. Bank Cash+® Visa Signature® Card. The representative will guide you through the application process and provide any necessary assistance.

The banking representative will likely ask you to complete an application form. This form will require you to provide personal information such as your full name, address, contact details, employment status, income details, and other relevant information. Be prepared to present identification documents such as a driver’s license, passport, or other government-issued ID.

During the application process, feel free to ask any questions you have about the card’s features, benefits, fees, and eligibility requirements. The banking representative can provide detailed information and help address any concerns you may have.

Once you’ve completed the application form and provided all required documentation, the banking representative will review your application. They may process your application on the spot or inform you of the next steps in the approval process.