US Bank Cash Plus Visa Signature – How to Apply

By Raquel Oliveira • 03/11/2025

US Bank Cash Plus Visa Signature offers 2 percent cashback on one everyday spending category.

The US Bank Cash Plus Visa Signature Credit Card is a great choice for individuals who want to maximize their cash back on various types of purchases. 

With 5% cash back on rotating categories and 2% on an everyday spending category of your choice, this card offers a flexible rewards structure that allows you to earn more in the areas where you spend the most. 

Whether you’re spending on gas, dining, or travel, the US Bank Cash Plus card rewards you for your everyday expenses, making it an ideal choice for those looking to earn cash back while managing their finances.

Additionally, the US Bank Cash Plus Visa Signature card offers valuable perks, such as cell phone protection and extended warranty coverage, making it an all-around useful card for both everyday purchases and special occasions.

How does US Bank Cash Plus work?

The US Bank Cash Plus Visa Signature Credit Card works by offering 5% cash back on rotating categories that change every quarter. 

These categories can include things like gas stations, grocery stores, streaming services, and more, giving you the opportunity to earn higher rewards on the types of purchases you make most often.

To maximize your rewards, you need to activate the 5% categories each quarter, which is a simple process through the US Bank website or mobile app.

In addition to the 5% categories, the US Bank Cash Plus card offers 2% cash back on one everyday spending category of your choice. 

Main Benefits of the US Bank Cash Plus

• Cashback can be redeemed as a statement credit or deposited into a US Bank account for easy access
• Flexible spending options allow cardholders to optimize rewards based on their purchasing habits
• Earn 5 percent cashback on two selected categories each quarter
• Receive 2 percent cashback on one everyday spending category
• No annual fee, keeping costs low while maximizing rewards
• Welcome bonus of two hundred dollars after spending one thousand dollars in the first ninety days
• Ability to change cashback categories each quarter for customized rewards
• 0 percent introductory APR on purchases and balance transfers for the first fifteen billing cycles

Cons for the US Bank Cash Plus

While the US Bank Cash Plus Visa Signature Credit Card offers excellent rewards, there are some drawbacks to consider. 

The most significant disadvantage is the need to activate the rotating 5% categories each quarter. If you forget to activate the categories, you’ll miss out on the higher rewards rate. 

Additionally, the 5% cash back is capped at a certain amount each quarter, after which you’ll earn 1% on those purchases.

The card also charges a 3% foreign transaction fee, which could be a downside for international travelers. If you frequently travel abroad, you may want to consider a card that doesn’t charge foreign transaction fees.

Finally, while the card offers 2% cash back on one category, the rewards rate is lower than some other cards that offer higher cash back rates on specific categories like dining or travel.

APR and Fees

This card offers a 0 percent introductory APR on both purchases and balance transfers for the first fifteen billing cycles. This feature is useful for financing large purchases or consolidating debt.

After the introductory period, the APR becomes variable, ranging from 18.24 percent to 28.24 percent based on creditworthiness. Keeping balances low and making timely payments is important to avoid high interest charges.

The balance transfer fee is 3 percent of the amount transferred, with a five-dollar minimum. While standard for many cards, it is an additional cost to consider when consolidating balances.

Late payment fees of up to forty dollars and a 5 percent cash advance fee may also apply. Making payments on time and avoiding unnecessary cash advances will help maximize card benefits.

How to Apply for the US Bank Cash Plus Visa Signature Credit Card

Applying for the US Bank Cash Plus Visa Signature Credit Card is simple and can be done online. 

During the application process, you’ll need to provide your personal information, including your income and financial details. Once you’re approved, you’ll receive your card and can start using it for purchases.

To maximize the rewards, make sure to activate the 5% cash back categories each quarter and select your 2% cash back category. 

After meeting the minimum spending requirement, you’ll be able to start earning rewards right away. The US Bank Cash Plus Visa Signature card is a great option for individuals who want to earn high cash back rewards and enjoy valuable benefits, all while managing their expenses.

Is the US Bank Cash Plus Visa Signature Right for You?

The US Bank Cash Plus Visa Signature is a strong cashback card, offering flexibility with category selection and high earning potential. If you want to maximize rewards in specific spending areas, this card is a great option.

With no annual fee and a 5 percent cashback structure, it is ideal for those comfortable managing rotating categories. The two hundred dollar sign-up bonus provides additional value for new cardholders.

The quarterly selection process, however, may not appeal to everyone. If you prefer a simpler cashback system without tracking spending categories, a flat-rate cashback card may be a better fit.

For those willing to plan spending and select categories strategically, the US Bank Cash Plus Visa Signature offers valuable rewards without the added cost of an annual fee. Apply now!