US Bank · Visa
U.S. Bank Cash+® Visa Signature®
Annual Fee
$0
Sign-Up Bonus
$200
Spend $1,000 in 4mo
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
Requirement: Spend $1,000 in 4 months
Estimated value: $200Terms apply.
Reward Categories
Choose 2 categories at 5% (up to $2,000/quarter each)
Cap: $8,000/yr
Choose 2 categories at 5% (up to $2,000/quarter each)
Cap: $8,000/yr
Choose 1 category at 2% — grocery stores, gas, restaurants, etc.
Key Benefits
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 $200 bonus for only $1,000 spend
Cons
- - Must manually select 5% categories each quarter
- - $2,000/quarter cap on 5% earnings ($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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