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U.S. Bank Visa Signature Cash+ card
| regular APR | |
- 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
excellent required
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: 05/26/2017
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