The U.S. Bank Cash+ Signature credit card is an excellent option for those looking to maximize their cashback earnings. With the ability to customize reward categories each quarter, this card offers unmatched flexibility.
Additionally, with an attractive welcome bonus and no annual fee, the card stands out among reward options in the market. It is also issued on the Visa network, providing great freedom for purchases.
If you are looking for a card that combines flexibility, generous cashback rewards, and no annual fee, this U.S. Bank option is worth considering. Continue reading to learn more about it!
About the Issuer
U.S. Bank is one of the largest and most respected financial institutions in the United States. Founded in 1863, the bank has a long history of providing reliable and innovative financial services.
With a wide range of products and services, U.S. Bank is known for its commitment to innovation and customer service excellence. Its extensive network of branches and ATMs, combined with a robust digital platform, ensures that customers can access their services conveniently and securely.
In addition to credit cards, U.S. Bank offers a variety of other financial products, including checking and savings accounts, loans, mortgages, and investment services. This diversity of products makes U.S. Bank a reliable choice for all your financial needs.
Benefits
5% Cashback in Selected Categories: One of the biggest attractions of this card is the ability to earn 5% cashback in two categories of your choice each quarter, up to a total of $2,000 in combined purchases.
2% Cashback in Everyday Categories: Besides the 5% categories, the card offers 2% cashback in an everyday category of your choice, such as gas stations, grocery stores, or restaurants. This option is excellent for frequent expenses that are part of most people’s routines.
1% Cashback on All Other Purchases: For all other eligible purchases, the card offers 1% cashback. This ensures you are always earning rewards, no matter where you spend.
Welcome Bonus: The U.S. Bank Cash+ Visa Signature card offers a $250 bonus after spending $1,000 on eligible purchases in the first 120 days of account opening. This initial bonus is an excellent incentive for new cardholders.
Introductory 0% APR: The card also offers an introductory 0% APR on purchases and balance transfers for 15 billing cycles.
No Annual Fee: One of the card’s most attractive features is the zero annual fee. This allows clients to enjoy all the rewards and benefits without worrying about additional costs throughout the year.
U.S. Bank Cash+ Signature Credit Card – Fees and commissions
The U.S. Bank Cash+ Signature credit card has no annual fee, which is a significant draw for many consumers. However, it is important to note that variable interest rates after the introductory period can range from 19.49% to 29.74%, depending on your credit score.
The card’s fees may be updated by the issuing bank, so to check the latest data, visit the official U.S. Bank website.
Card limit
The credit limit of the U.S. Bank Cash+ Signature credit card varies according to the individual credit analysis of the applicant. U.S. Bank considers various factors when determining the limit, including credit history, income, and other financial criteria.
Therefore, it is difficult to specify an exact amount without going through the application process. After approval, it is also important to consider that customers may receive automatic limit increases.
Positive points
- Flexible RewardsCustomize your cashback categories.
- No Annual FeeSave money in the long run.
- Welcome BonusOne of the best in the market.
Negative points
- 5% LimitThe 5% cashback is limited to $2,000 in combined purchases per quarter.
- Quarterly Category SelectionRequires selecting cashback categories each quarter.
- EligibilityRequires a good credit history for approval.
How to apply for U.S. Bank Cash+ Signature
Check out the steps to apply for the U.S. Bank Cash+ Signature credit card:
- Visit the U.S. Bank website;
- Go to the credit cards section and select U.S. Bank Cash Signature;
- Click on “Next step: Apply” on the card page after reviewing everything it offers;
- Fill out the application form with your personal information;
- Submit the application and wait for approval.
How to contact U.S. Bank
To contact U.S. Bank:
- Call 1-800-USBANKS (872-2657)
- Use the online chat available on the official website
With so many benefits and a flexible rewards structure, the U.S. Bank Cash+ Signature credit card is an excellent choice for those looking to maximize their cashback. Apply for yours today and start enjoying all the advantages!
