Learn more about U.S. Bank Cash+ Credit Card and know how you can apply!
The U.S. Bank Cash+ Credit Card is a great card for everyday purchases. It offers up to 5% cash back, with no annual fee. If you’re looking for a pratical and secure cash back credit card, this could be an essential choice.
You can earn cash back everytime you use your credit card, that can be redeemed as a statement credit, a rewards card or directly deposited into your U.S. Bank checking or savings account. You can earn unlimited 1% cash back on all of your purchases and unlimited 2% cash back on your chosen category. While also having other benefits available for you. Want to learn more about it? Keep reading and get to know its benefits and how to apply!
What are the benefits of U.S. Bank’s Cash+ Credit Card?
- No Annual Fee;
- Earn a $200 rewards bonus after you apply online and spend $1,000 in eligible purchases within the first 120 days of account opening;
- Earn 5% Cash Back on your first $2,000 in combined eligible purchases each quarter on two categories you choose;
- Earn unlimited 2% Cash Back on on one everyday category, like gas stations and EV charging stations, grocery stores or restaurants;
- Earn unlimited 1% Cash Back for everything else;
- Earn 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center;
- Earn even more cash back when making purchases at over 1,100 online stores through the Rewards Center Shopping Deals;
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. After that your variable APR will be19.49% to 29.74%. Balance transfers made within 60 days qualify for the intro rate and fee;
- Redeem your cash back as a statement credit, a rewards card or directly deposited into your U.S. Bank checking or savings account;
- Zero fraud liability: cardholders are not liable for unauthorized charges;
- Contactless payments;
- 24/7 Account Support;
- Roadside Dispatch;
- Travel & Emergency Assistance Services;
- Lost/Stolen Card Reporting and Emergency Services: Emergency Card Replacement and Cash Disbursement;
- ID Navigator identity theft protections: enroll in this complimentary service from Norton LifeLock and get credit monitoring and assistance if your identity is compromised;
- Card Management: Online and Mobile Access;
- Visa Signature Benefits: Visa Signature Luxury Hotel Collection, Concierge, Food & Wine, Visa Signature Golf benefit by Troon and Visa Signature Car Rental;
- Visa Offers + Perks: gain access to a wide variety of offers and deals, including food and wine, shopping, sports, entertainment and more.
Pros vs Cons?
| ✔️ PROS | ❌ CONS |
| No Annual Fee |
Not many other benefits besides Cash Back Rewards |
| Internacional Coverage |
3% International Transaction Fee |
| Up to 5% Cash Back |
5% is limited, 2% unlimited for only one category and only 1% unlimited for everything else |
How do I apply for the U.S. Bank Cash+ Credit Card?
To be eligible for this credit card, all you need is to be over 18 and have a Good/Excellent Credit Score. Here’s how it works:
U.S. Bank provides an online application process. So, access their credit card website and click on one of the two options: “Next Step: Apply” or “Log In To Apply Faster”. During the application, you must provide any personal and financial information requested.
Then the bank will conduct a creditworthiness assessment to evaluate your credit history, income stability, and repayment capacity. This assessment helps determine the likelihood of credit card approval. Keep in mind that, the approved credit limit will also depend on it.