The U.S. Bank Cash+™ Visa Signature® Card, you allow you to earn a $150 bonus after you apply online and spend $500 in the first 90 days of opening the account. You will also receive 5% cash back on your first $2,000 in combined eligible net purchases each quarter on two categories you choose. If you want to find out more about what unique features this card has to offer, continue reading below.
The U.S. Bank Cash+™ Visa Signature® Card is most compatible with everyone in that you can choose which of the qualified quarterly cash categories you wish to spend your money on.
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U.S. Bank Cash+ Visa Signature Card Summary
With the U.S. Bank Cash+™ Visa Signature® Card:
• New Cardmember bonus: $150 after you spend $500 in eligible net purchases in the first 90 days of account opening.
• 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose.
• 2% cash back on your choice of one everyday category, like gas stations or grocery stores.
• 1% cash back on all other eligible net purchases.
• No limit on total cash back earned.
• 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 16.24% - 25.74%
• No annual fee*
• Great Offer for Customers of U.S. Bank, a 2018 World's Most Ethical Company® - Ethisphere Institute, February 2018
Earning Cash Back
With the U.S. Bank Cash+ card, you can earn 5% cash back on your first $2,000 in combined eligible net purchases each quarter for up to $2,000 on two categories you choose. Additionally, you will earn 2% cash back in specific categories.
In essence this means that you can earn 5% on categories you enroll into the categories that he or she chooses, otherwise the card will only allow you to earn 1% cash back on purchases. Categories include: Ground Transportation, Clothing Stores, Cell Phones, Electronic Stores, Car Rentals, Gym/ Fitness Centers, Bookstores, Fast Food, Sporting Good Stores, Department Stores, Furniture Stores, and Movie Theatres. Make sure to choose a category in which you will be able to earn back as much cash as possible. You must enroll in two of these categories and you can only earn 5% in the ones for which you have registered.
For the 2% cash back, you can earn this in the following categories: Gas Stations, Grocery Stores, and Restaurants. This is quite easy to earn and there is no limit on these 2% back purchases. Additionally, you will earn 1% cash back for all other purchases.
If you do no use your cash rewards within 36 months of earning them, they will expire. The categories change each quarter, so make sure to register for your 5% categories every month.
Redeeming Cash Back
When you open this card, you gain a Cash+ Account, and in this account you will gain statement credit for purchases made in the cash back categories. Although if you wish, you can have this amount deposited into any U.S. Bank checking, savings, or money market account, or even a U.S. bank Rewards Card .
Reward card (Gift Card) redemption must be at least $20 and must be made in $5 increments. There is no redemption minimum for statement credit or bank account deposits.
I would suggest attaching your cash back to a U.S. Bank account because this is the easiest way to use and have access to your funds, but using the Reward Card is quite simple as well.
U.S. Bank Cash+ Cardholder Benefits
The U.S. Bank Cash+ card is great because it allows you to earn cash back, no annual fee, and 0% introductory APR fee for the first 12 billing cycles:
$150 New Cardmember Bonus: After you apply online and spend $500 in the first 90 days of account opening, you will earn $150. This is a temporary signing bonus offer so be sure to open an account as soon as possible.
No Annual Fee: There is no annual fee for opening and having this card. This is an excellent opportunity to save money, while you earn it! Many cards of this caliber have an annual fee, but this one does not which allows you more funds to save or spend.
0% Introductory APR: For the first 12 months of owning the card, you will not have an APR which allows you to save even more money.
Complimentary Rental Car Insurance: Rental cars are covered through your Cash+ Card in full.
To recap, when you sign-up U.S. Bank Cash+ Visa Signature® Card, you will earn a cash bonus of up to $150 after you spend $500 on purchases in the first 90 days from account opening.
For rewards, you get to choose which categories you want for your 5% and 2% bonus rewards for each quarter as well as your 1% back on all other purchases. How it works is you get to choose two categories to earn 5% percent cash back from. Some categories you could choose from would be restaurants, airfare, electronics, etc. You can claim your cash back with any amount without any minimum requirements. It could be transferred directly into a checking account, savings account, or as a statement credit.
This is an excellent card because there is no annual fee and many cardholder benefits, make sure to sign up if you wish to earn these benefits.
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Learn more about this card here.