CardFit
CardsCompareFind Me a Card

U.S. Bank

U.S. Bank Cash+ Visa Signature

Estimated value every year on typical spending

$312/ year

Every year, after the annual fee. Year one adds a $200 welcome bonus: $512

+$312rewards−$0annual fee

Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.

Carry a balance? At 20%+ APR, interest usually costs more than any card earns.

Find the best card for your spending Try it on your spendingCompare with another cardVisit U.S. Bank

Is it worth it?

With no annual fee, the U.S. Bank Cash+ Visa Signature can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending. The welcome bonus adds roughly $200 in the first year.

The fine print

Intro APR
0% for the first 15 billing cycles
Regular APR
17.99% to 28.24% variable
Foreign fee
None
Top perk
5% cash back on prepaid travel
Approval
Good credit recommended
Redeem for
Statement credit · Direct deposit · Gift cards

Rewards

  • 5% cash back in categories they choose
  • 2% cash back in one everyday category
  • 1% cash back on all other eligible purchases

Sign-up bonus

$200 bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening.

Best for

  • Keeping costs at $0

Not ideal for

  • Frequent international travelers

Trade-offs: No annual fee ↔ lower category bonuses.

Worth knowing

Annual fee
$0
Intro APR
0% for the first 15 billing cycles
Regular APR
17.99% to 28.24% variable
Balance transfer fee
None
  • $1200/mo on everyday spending earns about $144/year (1%).

Offer history

No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.

All recent card changes

U.S. Bank Cash+ Visa Signature: questions people ask

Is the U.S. Bank Cash+ Visa Signature worth it?

With no annual fee, the U.S. Bank Cash+ Visa Signature can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending. The welcome bonus adds roughly $200 in the first year.

What is the U.S. Bank Cash+ Visa Signature annual fee?

The U.S. Bank Cash+ Visa Signature has no annual fee ($0).

What is the U.S. Bank Cash+ Visa Signature welcome bonus?

$200 bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening. We value it at about $200. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.

What does the U.S. Bank Cash+ Visa Signature earn?

5% cash back in categories they choose. 2% cash back in one everyday category. 1% cash back on all other eligible purchases.

What credit score do you need for the U.S. Bank Cash+ Visa Signature?

The issuer recommends good/excellent credit. Checking your matches on CardFit never runs a credit check.

Does the U.S. Bank Cash+ Visa Signature charge foreign transaction fees?

No. The U.S. Bank Cash+ Visa Signature has no foreign transaction fee.

Does the U.S. Bank Cash+ Visa Signature have a 0% intro APR?

0% for the first 15 billing cycles. After that the regular APR is 17.99% to 28.24% variable.

Compare U.S. Bank Cash+ Visa Signature

Similar cards

Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: U.S. Bank product page. Terms change often; confirm them with the issuer before you apply.