| Category | Rate | Type | Cap |
|---|---|---|---|
|
Two Chosen 5% Categories (Quarterly)
5% cash back on the first $2,000 in combined eligible purchases each quarter in two categories chosen by the cardholder from a list including fast food, home utilities, cell phone providers, electronic stores, TV/internet/streaming, furniture stores, sporting goods stores, gyms/fitness centers, ground transportation, select clothing stores, department stores, and wholesale clubs; reverts to 1% above $2,000.
Rotating
|
5x | Cash Back | $8,000/yr |
|
Prepaid Air, Hotel, and Car Reservations via U.S. Bank Travel Center
5% cash back on prepaid air, hotel, and car reservations booked directly in the U.S. Bank Rewards Travel Center using this card; bookings must be prepaid to qualify.
|
5x | Cash Back | No cap |
|
One Chosen 2% Everyday Category (Quarterly)
2% cash back on one everyday category chosen by the cardholder each quarter from: gas stations and EV charging stations, grocery stores, or restaurants; unlimited earning with no quarterly cap.
Rotating
|
2x | Cash Back | No cap |
|
All Other Purchases
Unlimited 1% cash back on all other eligible net purchases not classified under a bonus category, and on 5% category spending above the $2,000 quarterly cap.
|
1x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
0% Introductory APR on Balance Transfers
Balance transfers made within 60 days of account opening receive a 0% introductory APR for the first 15 billing cycles. A balance transfer fee of 5% of the transfer amount (minimum $5) applies. After the introductory period, a variable APR of 17.74%–27.99% applies.
|
Financial | 0% APR for 15 billing cycles (5% transfer fee applies) |
|
0% Introductory APR on Purchases
New cardmembers receive a 0% introductory APR on purchases for the first 15 billing cycles from account opening. After the introductory period, a variable APR of 17.74%–27.99% applies.
|
Financial | 0% APR for 15 billing cycles |
|
Authorized User Addition at No Cost
Cardmembers may add authorized users (family members or trusted individuals) to the account at no additional charge.
|
Financial | No fee for authorized users |
|
ExtendPay Plan
Eligible purchases of $100 or more can be paid off in fixed monthly installments over a chosen period with no interest, subject to a small fixed monthly fee. New cardmembers receive a $0 fee offer on ExtendPay Plans opened within the first 60 days of account opening. Up to 50% of the credit line may be enrolled.
|
Financial | No interest installment payments (small monthly fee) |
|
No Annual Fee
The U.S. Bank Cash+® Visa Signature® Card carries no annual fee, allowing cardholders to retain the card indefinitely without an ongoing membership cost.
|
Financial |
$0
Up to $0
|
|
Auto Rental Collision Damage Waiver (CDW)
Provides secondary coverage for damage or theft of a rental vehicle when the card is used to reserve and pay for the rental and the rental agency's CDW/LDW is declined. Secondary coverage applies after any other applicable insurance. Covers up to the actual cash value of most rented vehicles.
|
Insurance | Up to actual cash value of rental |
|
Extended Warranty Protection
Doubles the original U.S. manufacturer's warranty by up to one additional year on eligible items with warranties of three years or less, when purchased entirely with the card. Coverage is capped at $10,000 per item and $50,000 per account.
|
Insurance |
+1 year / Up to $10,000 per item
Up to $10,000
|
|
Purchase Protection (Purchase Security)
Eligible items purchased with the card are covered against damage or theft for 90 days from the purchase date. Coverage is limited to $10,000 per item and $50,000 per account.
|
Insurance |
Up to $10,000 per item / $50,000 per account
Up to $10,000
|
|
Visa Signature Concierge Service
24/7 access to a dedicated Visa Signature concierge team that can assist with restaurant reservations, event and entertainment ticket procurement, travel arrangements, gift recommendations, and other personalized lifestyle requests.
|
Lifestyle | Complimentary (service costs are cardholder's responsibility) |
|
1% Cash Back on All Other Purchases
All eligible net purchases that do not fall within the chosen 5% or 2% bonus categories earn unlimited 1% cash back. Purchases exceeding the $2,000 quarterly 5% cap also revert to 1%.
|
Rewards | 1% cash back (unlimited) |
|
2% Cash Back on One Everyday Category
Earn unlimited 2% cash back on one everyday category selected each quarter: gas stations and EV charging stations, grocery stores, or restaurants. Discount stores, supercenters, and wholesale clubs are excluded from the grocery and gas categories.
|
Rewards | 2% cash back (unlimited) |
|
5% Cash Back – Cell Phone Providers Category
Cell phone service provider purchases qualify as a selectable 5% cash back bonus category each quarter, subject to the $2,000 combined quarterly cap across both chosen 5% categories.
|
Rewards | 5% cash back |
|
5% Cash Back – Department Stores Category
Department store purchases qualify as a selectable 5% cash back bonus category each quarter, subject to the $2,000 combined quarterly cap across both chosen 5% categories.
|
Rewards | 5% cash back |
|
5% Cash Back – Electronic Stores Category
Electronics store purchases qualify as a selectable 5% cash back bonus category each quarter, subject to the $2,000 combined quarterly cap across both chosen 5% categories.
|
Rewards | 5% cash back |
|
5% Cash Back – Fast Food Category
Fast food restaurant purchases qualify as a selectable 5% cash back bonus category each quarter, subject to the $2,000 combined quarterly cap across both chosen 5% categories.
|
Rewards | 5% cash back |
|
5% Cash Back – Furniture Stores Category
Furniture store purchases qualify as a selectable 5% cash back bonus category each quarter, subject to the $2,000 combined quarterly cap across both chosen 5% categories.
|
Rewards | 5% cash back |
|
5% Cash Back – Ground Transportation Category
Ground transportation purchases qualify as a selectable 5% cash back bonus category each quarter, subject to the $2,000 combined quarterly cap across both chosen 5% categories.
|
Rewards | 5% cash back |
|
5% Cash Back – Gyms and Fitness Centers Category
Gym and fitness center purchases qualify as a selectable 5% cash back bonus category each quarter, subject to the $2,000 combined quarterly cap across both chosen 5% categories.
|
Rewards | 5% cash back |
|
5% Cash Back – Home Utilities Category
Home utility bill payments qualify as a selectable 5% cash back bonus category each quarter, subject to the $2,000 combined quarterly cap across both chosen 5% categories.
|
Rewards | 5% cash back |
|
5% Cash Back – Movie Theaters Category
Movie theater purchases qualify as a selectable 5% cash back bonus category each quarter, subject to the $2,000 combined quarterly cap across both chosen 5% categories.
|
Rewards | 5% cash back |
|
5% Cash Back – Select Clothing Stores Category
Select clothing store purchases qualify as a selectable 5% cash back bonus category each quarter, subject to the $2,000 combined quarterly cap across both chosen 5% categories.
|
Rewards | 5% cash back |
|
5% Cash Back – Sporting Goods Stores Category
Sporting goods store purchases qualify as a selectable 5% cash back bonus category each quarter, subject to the $2,000 combined quarterly cap across both chosen 5% categories.
|
Rewards | 5% cash back |
|
5% Cash Back – TV, Internet and Streaming Services Category
TV, internet, and streaming service purchases qualify as a selectable 5% cash back bonus category each quarter, subject to the $2,000 combined quarterly cap across both chosen 5% categories.
|
Rewards | 5% cash back |
|
5% Cash Back on Travel Center Prepaid Bookings
Earn 5% cash back on prepaid airfare, hotel, and car rental reservations booked directly through the U.S. Bank Rewards Center Travel Center using the Cash+ card. This earning is in addition to (and separate from) the quarterly 5% category cap.
|
Rewards | 5% cash back |
|
5% Cash Back on Two Chosen Categories
Earn 5% cash back on the first $2,000 in combined eligible net purchases each quarter across two categories the cardmember selects. Category selection must be activated each quarter; purchases above the $2,000 cap revert to 1% cash back.
|
Rewards | 5% cash back (up to $2,000/quarter combined) |
|
Cash Deposit Redemption to U.S. Bank Account
Redeem accumulated cash rewards as a direct deposit into an eligible U.S. Bank checking or savings account. A minimum of $25 in cash rewards is required per redemption.
|
Rewards | Min. $25 redemption |
|
Charity Donation with 100% U.S. Bank Match
Cardholders may donate cash rewards to a qualifying charity through the Rewards Center, and U.S. Bank will match 100% of the donated amount.
|
Rewards | 100% match on donated rewards |
|
Real-Time Rewards Redemption
Enroll in Real-Time Rewards to receive a text message after qualifying purchases, with the option to instantly redeem accumulated cash rewards as a statement credit toward that purchase. A minimum of $10 in cash rewards (sufficient to cover the entire purchase) is required per redemption.
|
Rewards | Instant redemption (min. $10) |
|
Statement Credit Redemption
Redeem accumulated cash rewards as a statement credit applied to the card account balance. A minimum of $25 in cash rewards is required per redemption.
|
Rewards | Min. $25 redemption |
|
U.S. Bank Rewards Prepaid Card Redemption
Redeem accumulated cash rewards for a U.S. Bank Rewards prepaid card in increments of $25 minimum, with additional amounts added in $5 increments.
|
Rewards | Min. $25 redemption |
|
Welcome Bonus
Earn a $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening. Bonus is credited to the rewards balance within 1–2 statement billing cycles after meeting the spend requirement.
|
Rewards |
$200 bonus
Up to $200
|
|
Emergency Card Replacement
If the card is lost or stolen, Visa can coordinate emergency replacement of the card, typically delivered within 24–72 hours, including when the cardmember is traveling abroad.
|
Security | Complimentary |
|
Emergency Cash Disbursement
If the card is lost or stolen while traveling, Visa can arrange for emergency cash to be made available for pickup near the cardmember's location.
|
Security | Complimentary arrangement |
|
Zero Liability Fraud Protection
Cardmembers are not held responsible for unauthorized transactions made with their card or account information, as provided under Visa's Zero Liability policy.
|
Security |
$0 liability on unauthorized charges
Up to $0
|
|
Cash-Back Deals (Personalized Offers)
Access personalized cash-back offers from participating merchants through the U.S. Bank Mobile App or online banking, based on the cardmember's previous spending patterns.
|
Shopping | Varies by offer |
|
Rewards Center Earn Mall
Shop online through the U.S. Bank Rewards Center Earn Mall to earn additional cash back at over 1,000 participating retailers. This additional cash back stacks on top of any bonus category cash back already earned on the card.
|
Shopping | Additional cash back at 1,000+ retailers |
|
Roadside Dispatch
Pay-per-use 24/7 roadside assistance service available at a set fee per service call (currently $69.95). Services include tire changing, standard winching, limited towing, emergency fuel delivery, jump-start service, and lockout assistance.
|
Travel | $69.95 per service call |
|
Travel and Emergency Assistance Services
24/7 multilingual referral hotline providing assistance during travel emergencies, including medical and legal referrals, translation services, lost passport replacement assistance, emergency transportation coordination, and lost luggage locator services. Cardmember is responsible for the cost of any services arranged.
|
Travel | Complimentary referral service |
|
Visa Signature Luxury Hotel Collection
Book eligible hotels through the Visa Signature Luxury Hotel Collection website to receive premium perks including a $25 food and beverage credit, complimentary room upgrade upon availability, and other VIP amenities.
|
Travel |
$25 food & beverage credit + VIP perks per stay
Up to $25
|
