Nowadays, it is recommended that you choose a credit card that gives you more than low fees. So, you need to make comparisons and learn how the cards work to base your decision on the best that fits your profile and lifestyle. Glad that we have the opportunity to help you with that. Then, let’s present to you the U.S. Bank Cash+® Visa Signature® credit card.

This card can provide you with a variable reward program, besides the $0 annual fee and 0% Intro APR in the first 18 billing cycles.

Keep reading to learn how it works!

The U.S. Bank Cash+® Visa Signature® is a credit card that makes you choose your preferences. In other words, on each quarter, you get to appoint the two categories you think fit better on your spending lifestyle.

For example, you select fast food and home utilities; because those are the categories you spend more money on. Then, you will earn 5% cashback on these two combined on your first $2,000 spent.

Also, you can earn 2% cashback on one chosen everyday category, such as grocery stores, gas stations, and restaurants. 

And finally, 1% cashback on all other eligible purchases. After that, you can redeem your points online at any time. 

Moreover, if you are a new member, you receive a $200 welcome bonus after $1,000 spent in eligible purchases in the first four months after the account opening.

In addition, there is no annual fee and a 0% Intro APR on balance transfers for 18 billing cycles.

However, this credit card charges a 3% fee on foreign transactions and requires regular maintenance on each quarter to settle up your category’s preferences for cashback.

Plus, it charges 3% or $5 as a balance transfer fee, whichever is greater.

The U.S. Bank Cash+® Visa Signature® card is an option that fits your needs when allowing you to choose categories to earn cashback on each quarter.

But, this requires some effort, even though the account reminds you to select the categories via email or text message.

Not only the cashback reward program is good in terms of rate, but also it offers a competitive sign-up bonus and 0% Intro APR.

However, there is a limit of cashback earning in the 5% tier: up to $2,000 spent. After that, you earn 1% cashback on purchases in the categories combined.

The 1% e 2% tiers don’t have a limit, though.

Also, to redeem your reward, you need a U.S. Bank account. And, you can redeem it as a deposit, a statement credit, or a Rewards Card.

Moreover, the card offers $0 fraud liability, contactless payment, and it is suitable for mobile Digital Wallet.

Interested in putting this Visa credit card into your wallet? First, you need a good credit score to apply for it.

The U.S. Bank Cash+® Visa Signature® credit card is a good choice if you want a variable reward program. But, you need a U.S. Bank account before applying for it. Learn all about the application process right below!