Although it’s not the most straightforward credit card, the U.S. Bank Cash+ Visa Signature Card might be advantageous for the appropriate user.
U.S. BANK CASH+® VISA SIGNATURE®
5% cash back plus 0% introductory APRThe card has the potential to provide good cash back, especially when used in conjunction with other credit cards, but it will require some effort to optimize, largely since most users are unlikely to spend much in the 5% cash back category possibilities.
Other card details
After making $1,000 in eligible purchases within the first 120 days after account setup, the card will give you a $200 rewards bonus.
Other noteworthy perks of the card include a 0% introductory APR on purchases and debt transfers for 15 months after which a normal APR of 17.49% – 27.49% variable APR is applicable. Balance transfers must be finished within 60 days of the account establishment and are subject to a 3% charge ($5 minimum).
Learn more about U.S. Bank Cash+ Visa Signature Credit Card
This card offers 5% cash back on prepaid reservations made directly through the Rewards Travel Center. It also offers 5% cash back on your first $2,000 in combined eligible purchases made in two categories of your choice each quarter, 2% cash back on one everyday category like gas stations, grocery stores, or restaurants, and 1% cash back on all other eligible purchases.
Additionally, after making $1,000 in eligible purchases during the first 120 days of account activation, this card delivers a $200 rewards bonus.
With a minimum redemption of $25, U.S. Bank Cash+ cash back can be exchanged for statement credits, rewards cards, or direct deposits into checking or savings accounts at U.S. Bank.
Real-Time Points is another option you have, allowing you to use your rewards on purchases with a $10 minimum. After 36 months have passed since the billing cycle in which they were earned, cash awards expire at the end of the calendar month.
Other Benefits of the Card
- Zero Fraud Liability: Unauthorized charges are not the cardholder’s responsibility.
- Contactless Payments: Tap to pay whenever you see the contactless symbol for payments.
- Identity Theft Protections with ID Navigator: Enroll in this free Norton LifeLock service to receive credit monitoring and help if your identity is stolen.
- Service for Cardholder Inquiries: Ask a Visa professional any questions you have regarding your account at any time, day or night.
- Assistance with Lost or Stolen Cards: You can report your card as lost or stolen any time, day or night, seven days a week.
- Visa Signature Benefits: Benefits of having a Visa Signature card includes access to special status at hotels that are a part of the Visa Signature collection as well as discounts with participating partners.
Learn how to apply
Creating an application for the U.S. Bank Cash+ Visa Signature Credit Card is a straightforward and rewarding process. This guide will help you navigate through each step with ease, ensuring a smooth experience.
- Step 1: Eligibility Check
Before applying, ensure you meet the eligibility criteria, which typically includes age, income, and credit score requirements. - Step 2: Gather Necessary Information
Prepare your personal and financial details, such as your Social Security number, annual income, and employment information. - Step 3: Visit the U.S. Bank Website
Go to the U.S. Bank website and locate the Cash+ Visa Signature Credit Card section. This card is known for its cash back rewards on categories you choose. - Step 4: Complete the Application Form
Fill in the application form with your details. Review all entered information for accuracy to prevent any delays. - Step 5: Submit and Await Approval
Submit your application. Approval times can vary, but U.S. Bank often provides a quick response. - Step 6: Activate Your Card
Once approved and received, activate your card to start enjoying its benefits, including cash back, no annual fee, and exclusive Visa Signature perks.
Remember, it’s important to read all terms and conditions to fully understand the card’s benefits and responsibilities. Applying for the U.S. Bank Cash+ Visa Signature Credit Card is not just about accessing credit; it’s about making a smart financial choice that rewards your lifestyle.
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