Subscribe

Advertising Disclosure

Advertising Disclosure

Ranking the U.S. Bank Cash+® Visa Signature Credit Card 

 

Rewards Program (26/30):

  • Points, Miles, or Cash Back Rates (15/15): Earn 5% cash back on two chosen categories (up to $2,000), 2% on one everyday category, and 1% on others.
  • Redemption Flexibility (7/10): Cash back can be redeemed as statement credits or bank deposits, but options are limited.
  • Rewards Expiration and Transfer (4/5): Cash back doesn’t expire, but there are no transfer options.

 

Welcome offer (17/20):

  • Value (12/15): Includes a welcome offer of $200 with a $1,000 spend in 120 days.
  • Ease of Earning (5/5): Moderate difficulty with standard spend requirement.

 

Fees (6/10):

  • Annual Fee (6/6): No annual fee.
  • Foreign Transaction Fees (0/4): Charges 3% on foreign transactions.

 

APR and Financing Options (12/15):

  • Introductory APR (5/5): 0% intro APR for 15 months on purchases and balance transfers.
  • Standard APR (4/5): Variable APR of 18.24%-28.24%.
  • Balance Transfer Options (3/5): Has a standard balance transfer fee.

 

Cardholder Benefits (6/15):

  • Travel Benefits (1/5): Minimal travel perks.
  • Purchase Protection (3/5): Offers extended warranty and purchase protection.
  • Other Perks (2/5): Few additional perks.

 

Subjective Prestige (2/10):

  • Low exclusivity and prestige.

 

Total Score: 69/100

 

Recommendation:

 

The U.S. Bank Cash+ Visa Signature Card scores well for rewards, offering 5% cash back on chosen categories and a reasonable welcome offer. The lack of an annual fee adds to its appeal, while the 0% intro APR for 15 months is beneficial for new cardholders. However, limited redemption options, foreign transaction fees, and modest benefits can be drawbacks.

This card is recommended with reservations, as it can suit users who want flexible cash-back categories and value the introductory APR, but may not meet all needs for extensive perks or travel benefits.

Subscribe to the Credit Mileage Newsletter

Advertising Disclosure

At Credit Mileage, we believe smart credit management is one of the key cornerstones for sound personal finance. Using credit from an educated point of view so that you don’t accumulate debt while swiping to maximize and best utilize the points and rewards programs that different credit cards offer is at the heart of what Credit Mileage aims to educate consumers about.

That’s why we offer a wide array of educational and editorial content and credit card reviews so that you can choose the best card to achieve your goals, depending on which type of points/rewards programs you like.

When you apply for a credit card through our site and are approved, we may receive compensation from our partners, which can influence how and where certain products are featured.

Although we don’t include every credit card on the market, we thoroughly research and evaluate each card we feature. The content we produce is created without any input or oversight from credit card issuers, banks, or partners. For more details, please review our advertising policy and credit card evaluation framework.