BankCheckingSavings has partnered with CardRatings for our coverage of credit card products. BankCheckingSavings and CardRatings may receive a commission from card issuers.
For casual spenders who are looking to just earn cash back on everyday purchases, be sure to consider applying for the U.S. Bank Cash+™ Visa Signature® Card! It has a generous cash back program that includes 5%, 2% (unlimited), and 1% (unlimited) tiers.
Card holders get to designate 2 categories that earn them 5% cash back. Additionally, they can select another category for unlimited 2% cash back. All other spending will be placed in an unlimited 1% cash back tier.
Additionally, new card holders get the chance to earn a $150 cash bonus after spending only $500 in the first 90 days of ownership.
This card is exceptionally attractive for casual everyday spenders, since it offers a pretty standard credit card bonus for a card with no annual fee.
This card shines in the hands of casual spenders who just want to earn extra cash back on everyday spending. Because this is a cash back card, redemption is simple and easy and can be used towards future credit statements. Be sure to take this card into consideration is you find all these benefits attractive.
If you’re interested, U.S. Bank also offers great checking/savings account promotions!
Table of Contents
US Bank Cash+ Visa Signature Summary
 The U.S. Bank Cash+TM Visa Signature® Card offers new cardmembers a $150 bonus after spending $500 in eligible net purchases in the first 90 days of account opening. You'll be able to earn 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose. In addition, 2% cash back on your choice of one everyday category, like gas stations or grocery stores; 1% cash back on all other eligible net purchases. All with no limit on total cash back you can earn. This card comes with no annual fee. |
Earning The $150 U.S. Bank Cash+ Bonus
Take advantage of the US Bank Cash Plus card’s introductory offer: $150 bonus cash. To qualify, charge at least $500 to your card within the first 90 days of opening your account. Compare to other card bonuses.
Here are some ideas on meeting the spending requirement:
| • Plastiq: Plastiq allows you to pay for expenses that you generally won’t be able to with your card like rent, tuition, auto lease, mortgage payment, and more. There’s a 2.5% processing fee for using your credit card. However, this’ll be worth the card bonus you’ll get. There’s also a referral program where you can earn “Fee-Free Dollars” to use towards processing fees. See our Plastiq review. |
| • Fund Checking accounts with your card: Many banks will allow you to fund the opening deposit with a credit card. Consider opening Checking accounts that also offer a sign-up bonus. This way, you can work towards bonuses from two different sources. Big banks like Chase, HSBC, Huntington, and TD Bank have great offers and allow credit card funding. You can generally fund anywhere from $50 to $1,000 towards the opening deposit with a credit card, depending on the bank. |
| • Buy gift cards: Consider buying gift cards with your credit card that you can then spend later at your leisure. Individual merchant cards (restaurants, gas stations, supermarkets, etc.) generally don’t have purchase fees, so this is a plus. On the other hand, American Express and Visa gift cards will have purchase fees. Amazon gift cards are a great idea as you can shop for almost anything there with no purchase fees either. Unfortunately, Citi credit cards tend to code gift card purchases as Cash Advances and there’ll be a fee. Call in to customer service and lower your Cash Advance limit to $0 before purchasing gift cards. You can also buy discounted gift cards as well from Raise or find gift cards on eBay. |
| • Everyday spending & bills: Always using your credit card for everyday spending, such as for dining, gas, groceries, etc. You can also use your credit card to pay for things like insurance bills, property taxes and income taxes. However, you’ll have to consider the convenience fees. |
Earn Up To 5% Back
For those who don’t make exceptionally large purchases, the U.S. Bank Cash+™ Visa Signature® Card may be perfect for you.
First, designate 2 cash back categories from a list that includes gym and fitness centers, restaurants, grocery stores, department stores, and more. Those categories earn 5% cash back on eligible purchases, up to $2,000 in combined spending per quarter ($8,000 max spending per year).
Second, designate an additional cash back category to earn unlimited 2% cash back on eligible purchases. All other eligible purchases earn unlimited 1% cash back.
The Cash+ card’s 5% categories change quarterly. Past examples include:
- Gym memberships
- Cell phone bills
- Home utilities
- Ground transportation
- Movie tickets
- Fast food
- Car rentals
- Sporting goods
- Bookstore
- Electronics
- Department store purchases
- Charitable donations
Everyday spending category choices that earn unlimited 2% cash back can also change. Typical examples have been:
- Gas stations
- Grocery stores
- Restaurants
To activate bonus categories, log into your account and determine which ones you want to register for. You can pick the same categories every quarter. However, they won’t automatically carry over. If you forget to designate your bonus categories, you’ll only earn 1% cash back on all your purchases.
Redeem Cash Back Rewards
Cash back earned through qualifying purchases can be used as credit statements on future balance payments. Redeem your cash back as:
- Statement credits on your Cash+ account
- Direct bank account deposits to a U.S. Bank checking, savings, or money market account
- U.S. Bank Rewards Card ($20 minimum in $5 increments)
Conclusion
The U.S. Bank Cash+™ Visa Signature® Card is the perfect card for casual spenders who want flexibility and great cash back rates. At a top rate of 5% cash back, it’s hard to find another card that lets you choose your categories for that rate with no annual fee.
You also have a variety of ways to redeem your points such as gift cards, general merchandise, travel credits, and other items, you might prefer one of the bank’s FlexPerks cards. If you’re interested, be sure to apply for your card today and earn your $150 cash bonus!
If you feel that this card may not suit your needs, you can find more on our complete list of credit card promotions today!
Learn more about this card here.
Other Credit Cards To Consider
No-Annual-Fee Alternatives:
 The Chase Freedom Unlimited® Card offers a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases. There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open. This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM. |
 The Capital One® Quicksilver® Cash Rewards Card offers a one-time $150 cash bonus after spending $500 on purchases within 3 months from account opening. You'll be able to earn an unlimited 1.5% cash back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards. This card comes with no annual fee and no foreign transaction fees which makes this card a viable option for your go-to everyday card. |
 The Capital One® SavorOneSM Cash Rewards Credit Card offers a one-time $150 cash bonus after spending $500 on purchases within the first 3 months from account opening. You'll earn an unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases with no rotating categories or sign-ups needed to earn cash rewards. This card comes with no annual fee and no foreign transaction fees. |
 The American Express Cash Magnet® Card offers $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. You'll earn unlimited 1.5% Cash Back on your purchases; your cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise. The card has no annual fee. (See Rates & Fees). |
 The Blue Cash Everyday® Card from American Express offers $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. You'll earn 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 2% cash back at U.S. gas stations and at select U.S. department stores, and 1% back on other purchases. There are no annual fees with this card (See Rates & Fees). |
BankCheckingSavings has partnered with CardRatings for our coverage of credit card products. BankCheckingSavings and CardRatings may receive a commission from card issuers.
The Best Bank Offers are updated here. See the below pages to get started with some of the best offers: • Chase Bank Offers. Chase offers a range of attractive Checking, Savings and Business Accounts. Chase has a great selection of sign-up bonuses in comparison to other big banks. • Huntington Bank Offers. Huntington Bank has high bonus amounts available through their Checking and Business Checking. Huntington also offers a Business Premier Money Market Account. • Discover Bank Offers. Discover Bank offers top cashback, savings, money market accounts and CD rates for you to take advantage of. Discover has industry leading selections to cater to your banking needs. • TD Bank Offers. TD Bank consistently offers a fantastic selection of checking accounts to cater to your banking needs. However, savings account offers are less frequently available. |
| BONUS LINK | OFFER | REVIEW |
| Chase SapphireSM Checking | $1,000 Cash | Review |
| Chase Private Client | $2,000 Cash | Review |
| Chase Total Business Checking® | $200 Cash | Review |
| Chase Premier Plus CheckingSM | $300 Cash | Review |
| Chase Total Checking® + Chase SavingsSM | $350 Cash | Review |
| Discover Bank Online Savings | $200 Cash | Review |
| Discover Cashback Debit | $360 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| CIT Bank Savings Builder | $300 Cash | Review |
