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ClearValue Cards

U.S. Bank Cash+ Visa Signature

U.S. Bank · Cashback review

Reviewed by ClearValue Editorial Team · Schumer Box terms as of
Best for Readers with concentrated
U.S. Bank
Solid pick

U.S. Bank Cash+ Visa Signature

83
/100
Annual fee
$0
Ongoing APR
19.24–29.24%
Intro APR
0% on purchases and balance transfers for 15 billing cycles
Best for

Readers with concentrated, predictable spend who will pick their two 5% categories each quarter — utilities, home utilit

Fees sourced from issuer terms · 2026-07-08

ClearValue score
83/100
Solid pick

Readers with concentrated, predictable spend who will pick their two 5% categories each quarter — utilities, home utilit

Find my match

Sorted by score, never commission

Annual fee

$0

No annual fee, every year

Ongoing APR

19.24% – 29.24% variable

Variable — verify the current range at the issuer

Intro APR

0% on purchases and balance transfers for 15 billing cycles

Then the ongoing APR applies

As of July 8, 2026

Best for

Readers with concentrated, predictable spend who will pick their two 5% categories each quarter — utilities, home utilities, cell phone, streaming, or fast food among them. The customizable 5% (up to $2,000 combined per quarter) is the highest capped rate on a $0-fee card when the categories match your bills.

Not for

Set-and-forget spenders who won't re-select categories every quarter, and anyone whose spend doesn't line up with the 5% list — a flat 2% card returns more with zero effort. International travelers pay the 3% foreign transaction fee.

The catch

You must actively choose your two 5% categories before each quarter starts, and the 5% only applies to the first $2,000 in combined spend per quarter (then 1%). Miss the selection and you drop to 1% on those categories — the value is entirely in the quarterly discipline.

Card facts

Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.

Product specs

Annual fee
$0
Intro APR
0% on purchases and balance transfers for 15 billing cycles
Ongoing APR
19.24% – 29.24% variable
Foreign transaction fee
3%
Balance transfer fee
3% or $5, whichever is greater
Late payment fee
Up to $41
Schumer Box verified
July 8, 2026

How we scored this card

See our published methodology — 5 dimensions, 0–20 each, 100-point total.

Effective rewards rate16 / 20
Fee structure20 / 20
Audience fit15 / 20
Transparency and trust16 / 20
Honest weakness named16 / 20
Total83 / 100 · Solid pick

Frequently asked

Does the U.S. Bank Cash+ Visa Signature charge an annual fee?

No. The U.S. Bank Cash+ Visa Signature carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 8, 2026. Rates change — confirm the current terms at the issuer.

What APR does the U.S. Bank Cash+ Visa Signature charge?

19.24% – 29.24% variable. There is also an intro rate: 0% on purchases and balance transfers for 15 billing cycles. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.

Does the U.S. Bank Cash+ Visa Signature charge foreign transaction fees?

Yes — 3% per purchase made outside the U.S. Factor that in if you travel or shop internationally.

Who is the U.S. Bank Cash+ Visa Signature best for?

Readers with concentrated, predictable spend who will pick their two 5% categories each quarter — utilities, home utilities, cell phone, streaming, or fast food among them. The customizable 5% (up to $2,000 combined per quarter) is the highest capped rate on a $0-fee card when the categories match your bills.

Who should skip the U.S. Bank Cash+ Visa Signature?

Set-and-forget spenders who won't re-select categories every quarter, and anyone whose spend doesn't line up with the 5% list — a flat 2% card returns more with zero effort. International travelers pay the 3% foreign transaction fee.

How did ClearValue score the U.S. Bank Cash+ Visa Signature?

U.S. Bank Cash+ Visa Signature scored 83/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and whether an honest weakness is named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.

Alternatives to the U.S. Bank Cash+ Visa Signature

Other cashback cards we've scored, ranked by our methodology.

This is an independent editorial review. This page carries no partner link and earns nothing from what you read here — our scoring is never influenced by compensation, and reflects only our published rubric. When you use our match tool, we may be paid by a partner (CardRatings) if you continue with a card from there. See our methodology and disclosure.
U.S. Bank Cash+ Visa Signature
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