5% on two chosen categories (up to $2,000/qtr), 2% on one everyday category, 1% on all other purchases — plus $200 cash back after $1,000 spend in first 120 days.
5% on two chosen categories (up to $2,000/qtr), 2% on one everyday category, 1% on all other purchases
Credit eligibility
Issuer review required; no guaranteed score cutoff
Intro APR
0% on purchases & balance transfers for 15 billing cycles
Sign-Up Bonus
$200 cash back after $1,000 spend in first 120 days
$
Rates & Fees
Annual Fee
$0
Purchase APR
17.74%–27.99% variable
Intro APR
0% on purchases & balance transfers for 15 billing cycles
Foreign Transaction Fee
Around 3% (confirm current terms with U.S. Bank)
Balance Transfer Fee
3% intro during the first 15 billing cycles, then up to 5% ($5 min)
Cash Advance Fee
5% or $10 minimum, whichever is greater
Late Payment Fee
Up to $41
✦
Estimate Your Rewards
See how this card fits your monthly spending
Enter your typical monthly spend by category to see roughly what the U.S. Bank Cash+® Visa Signature® would earn you per year (this doesn't include any one-time sign-up bonus).
Assumes steady monthly spending at eligible merchants. Portal-only, selected and rotating bonuses are excluded unless explicitly modeled. Statement credits and welcome bonuses are excluded. Points use an assumed value of 1¢ each; actual redemption value varies.
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo
Note: This card's 5% and 2% rates apply to categories you choose each quarter from a list of 12+ options — too variable to model generically here. Visit U.S. Bank to select your categories.
Est. Annual Rewards
$234/yr
After $0 Annual Fee
$234/yr
Based On
$1,950/mo
Key Features
✓
Choose two 5% categories from a list of 12+ options (TV, streaming, home utilities, fast food, etc.)
✓
5% on prepaid travel in Rewards Center
✓
No annual fee
Pros & Cons
✓ Pros
Most flexible 5% category structure available
Unique categories like TV/internet, home utilities, and cell phone
Best welcome bonus at $250 for a no-fee card
– Tradeoffs
$2,000/quarter cap on 5% rate
Must re-select categories each quarter
5% limited to two categories only
How to Apply
1
Check U.S. Bank's eligibility information and any prequalification option. A credit score alone does not establish approval; income, debt and credit history also matter.
2
Gather your Social Security number, annual income, housing payment, and employer details before starting the application.
3
Apply directly through U.S. Bank's official site or app to make sure you're getting current, accurate offer terms.
4
Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.
5
If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.
How It Compares
Current product highlighted
Product
Annual Fee
Purchase APR
Rewards Rate
U.S. Bank Cash+® Visa Signature®
$0
17.74%–27.99%
5% on two chosen categories (up to $2,000/qtr), 2% on one everyday category, 1% on all other purchases
5% in rotating quarterly categories (up to $1,500/qtr), 1% everything else
Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.