How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
If you’re in the market for a cash back credit card that offers a generous rewards rate in everyday spending categories — like home utilities and streaming services — as well as a promotional interest-free period, the U.S. Bank Cash+® Visa Signature® Card should be on your radar.
U.S. Bank Cash+® Visa Signature® Card holders earn 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose. 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. 2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants. 1% cash back on all other eligible purchases. The $0 annual fee card also comes with an intro APR on purchases and balance transfers for more than a year.
We highlight the pros and cons of the U.S. Bank Cash+® Visa Signature® Card to help you determine if it’s the right fit for you.
Intro Purchase APR
0% intro APR on purchases for the first 15 billing cycles
Regular Purchase APR
19.49% - 29.74% (Variable)
Intro BT APR
0% Intro APR on balance transfers for the first 15 billing cycles
Regular BT APR
19.49% - 29.74% (Variable)
Annual Fee
$0
Cash Advance Fee
Either 5% of the amount of each advance or $10 minimum, whichever is greater.
Foreign Transaction Fee
3% of each foreign transaction
Balance Transfer Fee
Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash back rewards
With the U.S. Bank Cash+® Visa Signature® Card, cardholders earn 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose. 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. 2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants. 1% cash back on all other eligible purchases. Cardholders must select their categories and enroll every quarter to earn that higher rewards rate.
The 5% cash back categories include the following: fast food; TV, internet and streaming services; cellphone providers; home utilities; department stores; electronic stores; sporting goods stores; movie theaters; gyms and fitness centers; furniture stores; ground transportation and select clothing stores.
For the 2% category, you can choose one of the following categories: grocery stores, gas stations and EV charging stations or restaurants. And there is no spending cap on the 2% earning categories.
Plus, cardmembers can also earn 5% cash back for every $1 in eligible net purchases spent on prepaid air, car and hotel reservations made in the Rewards Travel Center using your card.
Sign-up bonus
U.S. Bank Cash+® Visa Signature® Card holders also receive Earn a $200 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening..
Cash back can be redeemed in the form of a statement credit or deposited into your U.S. Bank savings, checking or money market account. Just know, your rewards will expire at the end of the calendar month 36 months after the billing cycle in which they were earned.
Intro APR offers
If you need to finance a large purchase or transfer high-interest credit card debt, you can do so without incurring interest charges for more than a year with the U.S. Bank Cash+® Visa Signature® Card.
The card offers 0% intro APR on purchases for the first 15 billing cycles on purchases. After that, a 19.49% - 29.74% (variable) APR applies.
Additionally, receive a 0% Intro APR on balance transfers for the first 15 billing cycles on balance transfers, then a 19.49% - 29.74% (variable) APR.
Annual fee
The U.S. Bank Cash+® Visa Signature® Card charges a $0 annual fee.
Cap on the higher earning rate
With the U.S. Bank Cash+® Visa Signature® Card, you can only earn the highest cash back rate on the two categories of your choice on the first $2,000 in combined purchases each quarter.
Also know, you must select which two categories will earn the 5% rate each calendar quarter. Otherwise, those categories will only earn 1% cash back.
Balance transfer fee
If you transfer a balance to the U.S. Bank Cash+® Visa Signature® Card, you will be subject to a balance transfer fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater of the amount of each transfer.
For example, if you transfer $10,000, you will be charged $300 in balance transfer fees.
Foreign transaction fees
If you use your U.S. Bank Cash+® Visa Signature® Card to make purchases outside of the U.S., you will be subject to foreign transaction fees of 3% of each foreign transaction.
Cardholders earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Also earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
Check out the bonus categories so far: Chase 5% cash back calendar.
If you max out the Chase Freedom Flex℠ card’s spending cap on rotating categories each quarter, you can earn $300 cash back on those purchases alone at the end of the year. Still, that’s slightly less than what you can earn in a year from the U.S. Bank Cash+® Visa Signature® Card ‘s choice categories.
Similar to the U.S. Bank Cash+® Visa Signature® Card, the Chase Freedom Flex℠ charges a $0 annual fee and offers a 0% intro APR on purchases for 15 months, then a 19.74% - 28.49% variable APR. The card also offers a 0% intro APR on balance transfers for 15 months, then a 19.74% - 28.49% variable APR.
Where the Chase Freedom Flex℠ stands apart is by offering more robust benefits than the U.S. Bank Cash+® Visa Signature® Card, including purchase protection, extended warranty protection, trip cancellation and interruption insurance, cellphone protection, auto rental collision damage waiver and more.
Additionally, unlike with the U.S. Bank Cash+® Visa Signature® Card, Chase Freedom Flex℠ rewards do not expire as long as your account remains open.
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Annual Fee | |
|---|---|---|---|---|---|
|
U.S. Bank Cash+® Visa Signature® Card*
|
Earn a $200 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening. | 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose. 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. 2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants. 1% cash back on all other eligible purchases. | $0 | ||
Chase Freedom Flex℠*
|
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. | 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. | $0 | ||
Chase Freedom Unlimited®
 Apply Now
on Chase's secure site |
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases. | Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases | $0 |
Apply Now
on Chase's secure site |
|
Discover it® Cash Back*
|
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. | 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically | $0 |
If you’re looking for a well-rounded credit card with a generous cash back rate in popular spending categories, a $0 annual fee and intro APR offers on purchases and balance transfers, the U.S. Bank Cash+® Visa Signature® Card is a solid option.
But if you prefer a card that offers cash back in categories that rotate each quarter, as well as one that offers more travel and purchase protections, the Chase Freedom Flex℠ may be a better fit.
The information related to the U.S. Bank Cash+® Visa Signature® Card, Chase Freedom Flex℠ and Discover it® Cash Back has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
