RateHerald

Our illustration, not the card’s design

US Bank credit card

U.S. Bank Cash+ Visa Signature® Card

No annual fee. $200 cash back after you spend $1,000 in 3 months. Purchase APR 17.99–28.24%, variable.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
CFPB credit card survey, Dec 2025
Foreign transactions

Select an underlined figure to see where it comes from.

US Bank’s terms

Welcome offer

$200 cash

After you spend $1,000 on purchases in your first 3 months.

Spending it takes
$333 a month
for 3 months
Tracking since
Sep 29, 2026
history will chart every change

One-time $200 bonus awarded for redemption when approved for a new U.S. Bank Cash+ Visa Signature Card and after eligible Net Purchases totaling $1,000 or more are made within 90 days from account opening. Allow 1-2 statement billing cycles after the spend requirement is met for the bonus to be credited to the rewards balance. Existing and previous Cash Rewards accounts do not qualify. Not applicable toward account upgrades. Cannot be combined with any other bonus offer. Subject to credit approval.

  • Smaller than about 60% of the 48 other cash bonuses we track.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$320$120
Typical spender$500$300
Heavy spender$860$660
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: not counted: 2x Gas stations and EV charging stations; not counted: 2x Grocery stores and grocery delivery; not counted: 2x Restaurants; not counted: 5x Department stores; not counted: 5x Electronic stores; not counted: 5x Fast food; not counted: 5x Furniture stores; not counted: 5x Gyms/fitness centers; not counted: 5x Select clothing stores; not counted: 5x Sporting goods; not counted: 5x Prepaid air reservations booked directly in the Travel Center; not counted: 5x Prepaid hotel reservations booked directly in the Travel Center.

$120a year

$320 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 2x Gas stations and EV charging stations; not counted: 2x Grocery stores and grocery delivery; not counted: 2x Restaurants; not counted: 5x Department stores; not counted: 5x Electronic stores; not counted: 5x Fast food; not counted: 5x Furniture stores; not counted: 5x Gyms/fitness centers; not counted: 5x Select clothing stores; not counted: 5x Sporting goods.

$300a year

$500 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 2x Gas stations and EV charging stations; not counted: 2x Grocery stores and grocery delivery; not counted: 2x Restaurants; not counted: 5x Department stores; not counted: 5x Electronic stores; not counted: 5x Fast food; not counted: 5x Furniture stores; not counted: 5x Gyms/fitness centers; not counted: 5x Select clothing stores; not counted: 5x Sporting goods.

$660a year

$860 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 2x Gas stations and EV charging stations; not counted: 2x Grocery stores and grocery delivery; not counted: 2x Restaurants; not counted: 5x Department stores; not counted: 5x Electronic stores; not counted: 5x Fast food; not counted: 5x Furniture stores; not counted: 5x Gyms/fitness centers; not counted: 5x Prepaid air reservations booked directly in the Travel Center; not counted: 5x Prepaid hotel reservations booked directly in the Travel Center; not counted: 5x Select clothing stores; not counted: 5x Sporting goods.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 70% of the 732 cards we track.

  • No annual fee, like about 100% of the 50 cards on our 0% intro APR list (see the list).
  • Worth more to a typical spender than about 85% of the 50 cards on our 0% intro APR list (see the list).
  • Lower top APR than about 40% of the 163 cards on our Sign-up bonuses list (see the list).

Other cash back cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Cash Rewards

How you earn

5%
Fast foodHome utilitiesTV, internet and streamingDepartment storesCell phoneElectronic storesSporting goodsFurniture storesMovie theatersGround transportationGyms/fitness centersSelect clothing storesPrepaid air reservations booked directly in the Travel CenterPrepaid hotel reservations booked directly in the Travel CenterPrepaid car reservations booked directly in the Travel Center
2%
Grocery stores and grocery deliveryRestaurantsGas stations and EV charging stations
1%
Everything else

Cash back, as a share of each purchase.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariableCFPB credit card survey, Dec 2025
Intro APRfirst 15 billing cycles
Balance transfer fee
Foreign transactions
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
None · onboarding.usbank.com, since Sep 29, 2026
Does it charge a foreign transaction fee?
Yes: 3% of each foreign transaction. · onboarding.usbank.com, since Sep 29, 2026
What is the purchase APR?
17.99–28.24% APR · CFPB credit card survey, Dec 2025, since Oct 10, 2026
Is there an intro APR?
0% for first 15 billing cycles. · onboarding.usbank.com, since Sep 29, 2026
Is there a welcome bonus?
$200 cash back after $1,000 in purchases in 3 months. · usbank.com, since Nov 1, 2026
See it on usbank.com

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