U.S. Bank Cash+ Visa Signature Card benefits guide

The U.S. Bank Cash+® Visa Signature® Card* has a unique bonus category structure that makes it popular among cardholders who love customizable rewards. Cardholders can earn:

• 5 percent cash back in 2 chosen categories on up to $2,000 in combined purchases per quarter, then 1 percent
• 5 percent back on prepaid air, hotel, and car reservations through the U.S. Bank Rewards Center
• 2 percent cash back on 1 chosen everyday category
• 1 percent back on all other purchases

While this no-annual-fee card boasts a strong rewards structure, it’s pretty slim on additional benefits. It does, however, come with an introductory annual percentage rate (APR) offer for new purchases and balance transfers. Also, it’s a part of the Visa Signature credit card family, which means it comes with the perks that all Visa Signature cards offer.

We break down those benefits in this guide so you can decide whether the card will suit your needs.

U.S. Bank Cash+ benefits

You can get the following benefits from this U.S. Bank card:

• Welcome offer

• Introductory APR offer for purchases and balance transfers

• U.S. Bank ExtendPay® Plan access

• Dynamic bonus categories

• Rewards Center Shopping Deals

Visa Signature benefits

Visa groups its credit cards into three tiers: Visa Traditional, Visa Signature and Visa Infinite. Each tier comes with its own suite of perks, and Visa Signature is the middle-of-the-road option.

Here are some of the perks included with the U.S. Bank Cash+ Visa Signature:

• Roadside dispatch

• Travel and emergency assistance services

• Auto rental collision damage waiver

• Emergency card replacement

• Zero-fraud liability

Maximizing the U.S. Bank Cash+ Visa Signature Card

Here’s how you can make sure you’re getting the most out of this card’s benefits:

• Know your Visa Signature benefits. Many of the Visa Signature benefits apply to emergency situations, like a flat tire, a lost or stolen card, or prescription needs. When these situations occur, it can be hard to remember whether or not you’re covered. It’s a good idea to review your card’s benefits occasionally so you don’t forget to use those perks when they count. You can also make a note of your Visa Signature perks on your phone so that they’re easy to access when you need them.
• Be sure to earn the welcome bonus. The U.S. Bank Cash+ Visa comes with an easy to obtain welcome bonus. Simply make $1,000 in purchases during the first 90 days you have the card and you’ll earn a $200 bonus. That is easy money, so make sure you take advantage of it.
• Make use of your bonus rewards categories. Being able to change your bonus categories each quarter may keep your rewards game fun, but doing so can be useless if you’re not paying attention. To get full value out of this perk, select categories in which you’ll spend $2,000 (or more) over the course of 3 months, maxing out that 5 percent cash back benefit. Then, of course, be diligent about using your card for those purchases.
• Make balance transfers as soon as possible. The introductory 0 percent APR only lasts for the first 15 billing cycles, and balance transfers must be made within the first 60 days of account opening to qualify. So if you do intend to transfer a balance, do it soon. After the intro APR period ends, the regular variable APR of 19.74 percent to 29.74 percent applies to your credit card balance.

The bottom line

The U.S. Bank Cash+ Visa Signature Card doesn’t have the richest suite of benefits, but it’s a solid card for people who like customization and rewards on everyday purchases. You can certainly make use of the introductory APR for purchases and balance transfers as well as the changing rewards categories. And don’t overlook the Visa Signature benefits, which can connect you to a variety of emergency services if you ever need them.

If you want to consider other cards, start by checking out our list of today’s top rewards credit cards. You can compare the U.S. Bank Cash+ Visa Signature to other customizable rewards credit cards before making your decision.

*Information about the U.S. Bank Cash+® Visa Signature® Card has been collected independently by Bankrate. The card details have not been reviewed or approved by the card issuer.