U.S. Bank Visa Signature Cash+ card

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at issuer’s secured site
excellent
intro purchase APR 0% for 12 monthsregular APR14.49 - 23.49% (V)
intro BT APR 0% for 12 months 3% min $5 BT fee
rewards 1% 2% 5% +$55 bonus
  • earn 5% back on two categories that you can choose by yourself 
  • earn 2% on restaurants
  • 1% on all other purchases
  • plus you get $25 bonus each time you redeem $100 and more cashback in a single transaction

no annual fee

5% on 2 categories you choose quarterly

2% on 1 category you choose quarterly

Editors Review

Pros

  • no annual fee
  • 5% back on two categories that you choose by yourself, with a $2,000 quarterly limit in combined purchases. categories list changes quarterly
  • 2% back on one selected category that you choose quarterly
  • 1% back on all other purchases
  • $55 bonus each time you redeem $100 and more cashback at once 

Cons

  • no online application, apply at the branch
  • excellent credit needed

Verdict

One of the best cashback cards with 5% and 2% back options. You choose your categories of preference every quarter, so you can adjust the max cashback sweet spot with your spending pattern changes.
The card lets you get 5% out of $2,000 of your 2 biggest spending categories, e.g. gas and groceries. It can result in $100 back to you every quarter. Remember, that categories list will change quarterly - i.e. your favorite category may not be available in the next period. You have one more category to choose quarterly - to get back unlimited 2% back. 
The only real drawbacks that can be found is that you need to head to the branch to apply - no online application offered. Moreover, it requires having an excellent credit to apply. 
Last updated: 02/20/2017









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