The US Bank Cash+® Visa Signature® Card* has a unique bonus category structure that has become popular among cardholders who love customizable rewards. Cardholders can earn money:
- 5% cashback in two categories up to $2,000 per quarter with a purchase of up to $2,000, followed by 1%
- 5% back to prepaid air, hotel and car bookings through US Bank Remuneration Center
- 2% cashback in one selected daily category
- 1% back on all other purchases
This yearly rate card boasts a strong reward structure, but the added benefit is rather slim. However, new purchases and balance transfers come with an introductory annual rate (APR) offer. It is also part of the Visa Signature Credit Card family. This means that it comes with the perks that all Visa signature cards offer.
This guide will help you break down these benefits and determine if your card is right for your needs.
US Bank Cash + Benefits
You can benefit from this US bank card:
Visa Signing Benefits
Visa groups credit cards into three layers: Visa Traditional, Visa Signature, and Visa Infinite. Each tier comes with its own perk suite, and Visa Signature is a mid-road option.
Some of the perks included in a US Bank cash + visa signing include:
Maximizing US Bank Cash + Visa Signature Cards
Here’s how to make the most of the benefits of this card:
- Learn about the benefits of signing a visa. Many visa signing benefits apply to emergencies, such as flat tires, lost or stolen cards, or prescription needs. If these situations occur, it can be difficult to remember whether it is covered or not. We recommend checking the benefits of the card from time to time. So don’t forget to use it when counting those perks. You can also note the visa signing perks on your mobile phone, making it easy to access when you need it.
- Earn a welcome bonus. You can easily get a welcome bonus on US Bank cash + visas. You can earn a $200 bonus just by purchasing on a $1,000 purchase in the first 90 days of holding the card. It’s easy money, so make sure you take advantage of it.
- Take advantage of the Bonus Rewards category. If you can change the bonus category quarterly, you can keep your reward game fun, but it may not be useful if you’re not paying attention. To get full value from this perk, choose a category that will spend $2,000 (or more) over three months and make the most of your 5% cashback benefits. Of course, you’ll be keen to use your cards to buy them.
- Perform balance transfers as quickly as possible. The Introductory 0% APR lasts only in the first 15 billing cycles and requires a balance transfer within the first 60 days of account opening to qualify. So if you’re going to transfer the balance, do it right away. After the intro APR period ends, a regular variable APR of 19.74% to 29.74% will be applied to your credit card balance.
Conclusion
The US bank Cash+ Visa Signature Card doesn’t have the richest benefits suite, but it’s a solid card for those who like to customize and reward daily purchases. Certainly, you can use the Introductory APR for purchase and balance transfers, and changing reward categories. Also, don’t overlook the visa signing perks. This allows you to connect to a variety of emergency services if needed.
If you want to consider other cards, start by checking out today’s top reward credit cards list. Before making a decision, you can compare your US Bank cash + visa signature with other customizable rewards credit cards.
*Information about US Bank Cash+® Visa Signature® cards is collected independently by bank rates. Card details have not been reviewed or approved by the card issuer.
