US Bank · Visa
U.S. Bank Cash+® Visa Signature®
Annual Fee
$0
Sign-Up Bonus
$200
Current offer shown; issuer determines eligibility.
Spend $1,000 in 3mo
Terms apply.
Base Rate
1x
on everything
Best For
Utility and streaming bill payers who want 5% cash back with no fee
Sign-Up Bonus
Bonus: 200 cash back
Details: $200 cash back after $1,000 spend in 3 months (down from $250; issuer page verified 2026-08-06).
Requirement: Spend $1,000 in 3 months
Estimated value: $200Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
Choose 2 eligible 5% categories ($2,000/quarter COMBINED across both)
Cap: $8,000/yr
Choose 2 eligible 5% categories ($2,000/quarter COMBINED across both)
Cap: $8,000/yr
Choose 1 category at 2% — grocery, gas, or restaurants
Key Benefits
Perks (not counted in our math)
Pros & Cons
Pros
- + 5% on utilities is unique — no other card offers this
- + 5% on streaming, internet, phone, or gym — you pick 2 categories
- + No annual fee
- + Good $250 bonus for only $1,000 spend
Cons
- - Must manually select 5% categories each quarter
- - $2,000/quarter cap on 5% earnings — combined across both categories ($8,000/yr)
- - US Bank is regional — approval harder without existing relationship
- - Base rate is only 1%
Rates and fees may vary.See current rates, fees, and terms on US Bank's site
Recommended credit score: 700+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.