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U.S. Bank Cash+ Visa Signature card
No annual fee

U.S. Bank Cash+ Visa Signature

PerkSensei Desk · Last updated

Is this deal useful?

At a glance

Bonus
$200 cash bonus
To earn it
Spend $1,000 in 90 days
Annual fee
No annual fee
Credits
No statement credits
Apply by
No public end date stated

Terms and eligibility can change. Confirm the details with the issuer before you apply.

Biggest catches

  • No pick, no 5%. You have to choose your two 5% categories and one 2% category every quarter. If you don't, everything earns 1%. usbank.com
  • The 5% cap is shared across both categories. 5% applies to the first $2,000 of net purchases each quarter across both chosen categories combined, not $2,000 each. Spend above that earns 1%. usbank.com
  • Any past Cash Rewards account blocks the bonus. Existing and previous U.S. Bank Cash Rewards accounts don't qualify for the one-time bonus. If you've had a U.S. Bank cash card, check before applying. usbank.com
  • Prepaid cards and cash convertibles don't count. Loading certain prepaid cards, buying U.S. Mint currency and other cash-convertible items aren't purchases. They earn no rewards and won't help with the bonus. usbank.com
  • Cash back expires after 36 months. Rewards expire at the end of the calendar month 36 months after the billing cycle in which you earned them. Redeem regularly. usbank.com

YMMV: approval and bonus eligibility are the issuer's decision.

Sensei's move

  1. Put your bills on 5%

    Pick home utilities and cell phone (or TV, internet and streaming) as your two 5% categories. Recurring bills fill the $2,000 combined quarterly cap without changing how you shop, and few other cards pay 5% on utilities.

    Still works as of Oct 17, 2026 · usbank.com

Sensei's take

  • Weak churn
  • Keeper
  • Not for your travel wallet

The cash bonus is modest and blocked by any past Cash Rewards account, so it's a weak churn. The value is long term: 5% on bills like utilities and your phone, up to $2,000 a quarter, for no annual fee, as long as you remember to pick categories every quarter. It's a cash-back card, not a travel card.

Our opinion, from the facts on this page as of Oct 17, 2026.

Weighing this card? Put it before the Money Court jury

How today's offer compares

Today
$200
Highest we've seen
$250
May 2026 · $1,000 spend
Cash bonus over time
  1. Aug 2024: $250, reported by Doctor of Credit, highest before today
  2. May 2026: $250, reported by Doctor of Credit, highest before today
  3. Today: $200

Today's offer is $50 below the highest public offer we've seen (May 2026).

Doctor of Credit: $250doctorofcredit.comThird-party sourceReported May 1, 2026

Third-party report; not confirmed in the official offer terms we could retrieve. Details may be outdated or channel-specific. Verify the offer shown by the issuer before applying.

From the sources we checked going back to Aug 2024, so an older or unreported offer may have been higher. Targeted, in-branch and two-tier offers aren't compared.

Sources

U.S. Bank Cash+ Visa Signature Card official product pageusbank.comOfficial sourceChecked Oct 17, 2026

Terms can change. Spotted something out of date? Tell us and we'll recheck it against the provider's page.

Report outdated terms

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