US Bank · Visa
U.S. Bank Cash+® Visa Signature®
Utility and streaming bill payers who want 5% cash back with no fee
No annual fee
Why people consider it
- 5x on your top eligible category.
- 2x on groceries.
Current welcome offer
Welcome offer: +$200
Requirement: Spend $1,000 in 3 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
Details: $200 cash back after $1,000 spend in 3 months (down from $250; issuer page verified 2026-08-06).
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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Is this card worth it?
Ongoing value
$654/year
for the sample household ($4,800/month) · points at typical value
First-year value
$854 first year
Includes: +$200 welcome offer
$200 is one-time. $654/year is ongoing.
To earn the bonus: spend $1,000 in 3 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- none
- Major trade-offs:
- Must manually select 5% categories each quarter $2,000/quarter cap on 5% earnings — combined across both categories ($8,000/yr)
- Against a no-fee alternative:
- This is a no-fee card — nothing to earn back.
Detailed research
Full reward table and category caps
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
Prepaid air, hotel and car reservations booked through the U.S. Bank Travel Center
Optional benefits and credits
Perks (not counted in our math)
Approval and bonus eligibility caveats
Recommended credit score: 700+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on US Bank's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
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
- + $200 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%
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
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.