U.S. Bank Cash+ Visa Signature
U.S. Bank, Visa, no annual fee. Earns cash back.
Rates checked against the issuer 2026-09. Foreign transaction fee: not recorded here.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $481, with no fee to pay.
Is the annual fee worth it?
No annual fee, so everything it earns is kept: about $481 a year on the illustrative household's spending, which puts it number 18 of 59 the no-fee cards in the catalogue. All of them, ranked.
Price its credits, perks and sign-up bonus your way — tick what you would use and say what it is worth to you.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Restaurants & Bars, Food Delivery, Utilities, Phone & Internet, Streaming, Department Stores, Gyms & Fitness, Entertainment, Public Transit, Rideshare & Taxis, Parking & Tolls, Clothing, Sporting Goods | 5% | Only while you have this category switched on. Up to $2,000 per quarter, then the base rate. Two categories you pick from the issuer's list — $2,000 combined quarterly cap, then 1% |
| Everything else | 1% |
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Restaurants & Bars | $180 |
| Utilities | $90 |
| Groceries | $60 |
| Everything Else | $60 |
| Gas Stations | $18 |
| Online Shopping | $18 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
Protections and travel benefits
From the issuer's own benefit summary as of 2026-09. These are read from summaries rather than the full guide to benefits, which has the exclusions — check it before relying on one.
- Cell phone — up to $600 per claim
What the issuer lists besides rewards
- You choose the two 5% categories each quarter, plus one more at 2%
- Categories reset to 1% once the $2,000 quarterly cap is used
- Cell phone protection up to $600 per claim, after a $25 deductible, when you pay the bill with the card
Similar cards
- Wells Fargo Active Cash — annual fee none
- U.S. Bank Altitude Connect — annual fee none
- U.S. Bank Altitude Go — annual fee none
- Amazon Visa — annual fee none
- Every cash back card, ranked
- The best two- and three-card combinations
Point values: published industry valuations. How every number here is worked out.