how to redeem us bank cash plus rewards

How to Redeem Cash Back Rewards · Receive a statement credit. The cash back gets applied to your credit card's balance. · Request a check. The. How do I redeem rewards from U.S. Bank Cash 365™ American Express® You'll earn unlimited cash back on all purchases, plus you'll get a. The US Bank Cash Plus Visa Signature card is a no annual fee card that gives cash back on purchases. The interesting part of the card is.

How to redeem us bank cash plus rewards -

U.S. Bank Cash+™ Visa Signature® Card Review

This offer is no longer available.

The U.S. Bank Cash+™ Visa Signature® Card is a strong contender to make our regularly updated list of the best cash back credit cards for U.S. consumers. It has a generous cash back program that includes 5%, 2% (unlimited), and 1% (unlimited) tiers – one of the more favorable constructions around. You can designate two favored spending categories for the 5% tier and one for the 2% tier. The 1% tier covers all other eligible purchase spending.

With no annual fee, the U.S. Bank Cash+ Visa Signature Card is great for any budget, provided you can align your spending to the favored categories you’ve selected. There’s no limit to how much you can earn in the aggregate – so, if you have big spending plans and need a new credit card, now’s the time to get started.

Here’s what you need to know about U.S. Bank Cash+ Visa Signature Card’s features, advantages, disadvantages, and overall suitability.

Key Features

Sign-Up Bonus

When you apply online and make at least $500 in eligible purchases during the first 90 days, you’ll earn a $150 new cardmember bonus. Combined with bonus cash back earnings in the 5% cash back tier (see below), this new cardmember bonus helps push total potential bonus cash back earnings in the first year to $550 – a fantastic value for a no-annual-fee card.

Earning Cash Back

This card has a three-tiered cash back program.

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.

There’s no limit to your aggregate point earnings. Unused cash rewards expire 36 months after the billing cycle during which they’re earned. Category options are subject to change quarterly, and you must register for your chosen categories on a quarterly basis.

us bank cash plus categories

Redeeming Cash Back

You can redeem your accumulated cash back for statement credits to your Cash+ account; direct bank account deposits to a U.S. Bank checking, savings, or money market account; or U.S. Bank Rewards Card (gift card).

There’s no minimum redemption threshold for statement credits or bank account deposits. Reward card redemptions are subject to a $20 minimum and must be made in $5 increments.

Visa Signature Benefits

Cash+ has some useful benefits backed by the Visa Signature program:

  • Complimentary Rental Car Insurance: You’re entitled to complimentary rental car coverage (loss and damage) for rentals paid in full with your Cash+ card.
  • Retail Protection: This benefit provides reimbursement after certain adverse shopping events, subject to key limitations and restrictions. Read your account disclosures for more details.
  • Concierge Service: This 24/7 benefit is ideal for travelers who need to make complicated restaurant, entertainment, or travel reservations in unfamiliar places, even where they don’t speak the language.

Other benefits may be available as well – check your credit card agreement and disclosures for specifics.

Introductory APR

U.S. Bank Cash+ has a 12-month, 0% APR introductory promotion for balance transfers. To qualify, balance transfers must be made within 60 days of account opening. After the end of the introductory period, variable regular interest rates apply on the transfers’ full remaining balance. There’s no corresponding introductory APR promotion for purchases.

Regular APR

Following the end of the balance transfer promotion period, variable regular APR applies to all balance transfers. The variable regular purchase APR applies from the day you open your account.

Overdraft Protection for U.S. Bank Deposit Account Holders

As a U.S. Bank deposit account holder, you can link your Cash+ card to your qualifying deposit account to protect against overdraft transactions. This opt-in protection automatically executes deposit account transactions that would normally result in negative account balances or NSF denials. U.S. Bank then draws a corresponding cash advance on your credit card’s cash advance line to cover the shortfall.

Most bank accounts charge daily fees for this service, typically $7.50 to $12.50. Some higher-end accounts waive these fees. Your cash advance begins accruing interest at the regular cash advance rate as soon as it’s executed, so it’s in your best interest to pay it off as soon as possible.

Important Fees

There is no annual fee. Foreign transactions cost 2% for U.S. dollar-denominated transactions and 3% for transactions denominated in foreign currency.

Balance transfers cost the greater of $5 or 3% of the transferred amount, even during the introductory period. Cash advances cost at least the greater of $5 or 3% of the advanced amount. Some types of cash advances, including overdraft protection transfers, cost more.

Credit Required

This card requires good to excellent credit.

Advantages

  1. No Annual Fee. The U.S. Bank Cash+ Visa Signature Card has no annual fee. If you don’t spend heavily enough to offset recurring levies, or simply (and understandably) want to maximize your return on spending, that’s music to your ears.
  2. Solid Sign-up Bonus. When you spend at least $500 in eligible net purchases within 3 months of opening your account, you get $150 bonus cash. That’s a solid rate of return and should be fairly easy to attain when you use this card for everyday spending in your favored category. Combined with bonus cash back earnings in the 5% cash back category, new cardmembers may earn up to $550 in bonus cash in the first year.
  3. Very Good Ongoing Cash Back Rate in Favored Categories. This card’s rate of return on spending is impressive. Earn up to 5% cash back on $2,000 in combined quarterly spending in your 2 top categories and unlimited 2% cash back in your next favorite category. If you choose your 2% category right, you can really rack up the returns there.
  4. 12-Month 0% APR Promotion on Balance Transfers. This card’s 12-month, 0% APR balance transfer promotion is great news for new cardholders who’ve previously struggled with high-interest credit card debt.
  5. No Minimum Redemption Amount for Select Redemption Options. You don’t have to worry about minimum redemption thresholds for statement credits or bank account deposits here – you can redeem in any amount, at any time.
  6. Visa Signature Benefits. U.S. Bank Cash+ comes with a nice lineup of Visa Signature benefits, including complimentary rental car insurance and concierge service. That’s a big advantage over Visa Platinum cards, which aren’t nearly as generous. If you take full advantage of your Visa Signature perks, you can save hundreds each year – particularly if you’re a frequent car renter.
  7. No Penalty APR. This card doesn’t charge penalty interest. This is good news for cardholders who sometimes miss statement due dates because of cash flow issues or unexpected expenses that they can’t pay off in a single month.

Disadvantages

  1. Mediocre Cash Back Baseline. This card’s baseline cash back rate is a mere 1%. That’s better than nothing, but far from competitive with top-earning cards like Citi Double Cash Card (unlimited 2% back on all eligible purchases).
  2. No Purchase APR Promotion. The U.S. Bank Cash+ Card’s balance transfer promotion is nice, but there’s no comparable purchase promotion to shore it up. If you’re looking for a rewards credit card that cuts you a break on purchase interest for months or years after your sign-up date, look to the Capital One Quicksilver Credit Card.
  3. Quarterly Registration Required to Earn 2% and 5% Cash Back. If you want to realize this card’s full cash back potential, you’ll need to register your 2% and 5% cash back categories on a quarterly basis. This is a time-consuming procedural hurdle that most competing cash back cards eschew.
  4. 2% to 3% Foreign Transaction Fee. This card adds 2% to 3% to each foreign transaction. Dollar-denominated transactions are cheaper, but some comparable cards (including Capital One Quicksilver) waive foreign transaction fees altogether.
  5. Cash Back Points Expire After 36 Months. Unused cash back earned with this card expires in 36 months. That’s a substantial drawback relative to cash back cards whose unused cash back never expires, and a potential dealbreaker for occasional users.

Final Word

The U.S. Bank Cash+™ Visa Signature® Card is just one of several credit cards issued by U.S. Bank. If you prefer to earn flexible loyalty currency that you can redeem for gift cards, general merchandise, travel credits, and other items, you might prefer one of the bank’s FlexPerks cards. If your primary concern is securing a low introductory or ongoing APR, the no-frills U.S. Bank Visa Platinum Card may be a better fit. Whichever you choose, you can count on the same great service and value-added perks you’ve come to expect from U.S. Bank.

Источник: https://www.moneycrashers.com/us-bank-cash-plus-card-review/

Best US Bank Credit Cards

Benefits

If you are looking for a cash back card, there are a lot of choice available. Issuers are being aggressive with their benefits to try and persuade new customers. One of the best US Bank cards for cash back is the U.S. Bank Cash+ Visa Signature Card.

You will also have the chance to pick two categories where you will be able to earn 5% cash back in combined purchases up to $2,000 each quarter. Categories you can choose from might include cell phones, movie theaters, fast food and more.

In addition, you will also have the chance to earn bonus cash back on everyday purchases. Earn 2% cash back for your choice of one everyday category (i.e. gas or groceries). Any categories that you don’t select for bonus cash back, plus any other eligible purchases, will earn 1% back.

Things to Consider

It’s important that every quarter you make your choices for the bonus cash back categories. If you don’t, you will automatically receive the standard 1% back on all purchases.

If you need to transfer an existing balance from another card, you can do so within the first 60 days, and have 0% APR for 12 billing cycles. After that the APR will change to the standard purchases APR of 13.99% - 23.99% Variable.

Verdict

If you are looking for a solid cash back card, then the U.S. Bank Cash+ Visa Signature Card should receive solid consideration. Not only does it have no annual fee, but you will earn up to 5% back in categories you choose (up to the quarterly max).

Compare Similar Cash Back Offers

Источник: https://smartasset.com/credit-cards/best-us-bank-credit-cards

U.S. Bank Cash+ Visa Signature Credit Card Review

Key features

  • Annual fee: $0

  • Welcome bonus: $150 after $500 in spend within the first 90 days of account opening

  • Spending Multipliers:

    • Earn 5% cash back on the first $2,000 in purchases each quarter on the two categories you choose

    • Earn 2% cash back on your choice of an everyday category like gas stations or grocery stores

    • Earn 1% cash back on all other purchases

Review: Is the U.S. Bank Cash+ Worth It?

The U.S. Bank Cash+ is ideal for those who want more control over their spend categories. Each quarter, you’ll need to choose and activate your 5% and 2% categories to earn more cash back.

You can choose categories up to 45 days before each quarter begins, and change the categories up to 5 days before each quarter begins.

If you forget to choose your categories, you can still select them during the quarter. However, if you don’t choose any categories, all purchases will earn 1% cash back.

Cash back earned can be redeemed anytime in the form of a deposit to your U.S. Bank account, a statement credit, or a U.S. Bank Rewards Card.

Important: Unredeemed Cash Rewards expire 36 months after the billing period they were earned. Be sure to redeem Cash Rewards before they expire.

5% Cash Back Categories

As of April 2019, here are the sample categories you can select to earn 5% cash back:

  • Cell Phone Providers

  • Department Stores

  • Electronic Stores

  • Gyms/Fitness Centers

  • Fast Food

  • Home Utilities

  • Sporting Goods Stores

  • Furniture Stores

  • Select Clothing Stores

  • Movie Theaters

  • Ground Transportation

Select two categories from the list above to activate each quarter to earn 5% on up to $2,000 in combined purchases.

2% Cash Back Categories

Select one category to activate from the list below to earn 2% each quarter:

  • Grocery Stores

  • Gas Stations

  • Restaurants

Bottom Line

If you want a cash back card that lets you pick categories based on your spending habits, the U.S. Bank Cash+ is a good option to consider.

With other 5% category cards, the credit card issuer dictates the rotating categories that might not fit your lifestyle.

Источник: https://www.asksebby.com/credit-cards/us-bank-cash-visa-signature-credit-card-review

Endless rewards with Citi Credit Cards.



Turn all your spending on your Citi Credit Card into rewards you love. Earn enticing rewards for spending on your Citi Credit Card. Whether it's redeeming Points or Miles to offset purchases or getting cash rebates, choose what you love from a variety of rewards through our wide selection of participating merchants.



Latest Promotion








NEXvoucher on Citi ThankYou Rewards

Use your Points/Miles to redeem for NEXvoucher on Citi ThankYou Rewards website. Redeem with 6,720 Points or 2,620 Miles for S$20 NEXvoucher. Click here to redeem now! Exchange NEXvoucher at NEX Customer Service Counter, or call 6416 6366 for more information.





Cash Rebate


Redeem your cash rebate online or with a simple SMS.










Conversion Rate


4,400 Points
S$10.00
Cash Rebate


1,650 Miles
S$10.00
Cash Rebate


4,400 Reward Points
S$10.00
Cash Rebate


Click here for Citibank Cash Rebate Program full terms and conditions.

How it works?






  1. 1SMS to 72484: RWDS<space> Last 4 digits of your card number<space><keyword>.
  2. 2 Upon confirmation of successful redemption, a statement credit will be reflected in your next statement of account.
  1. 1 SMS to 72484: RWDSBAL<space> Last 4 digits of your card number.
  2. 2 You will receive an SMS reply with your Points balance


Redemption Code


Card TypesCash RebatePoints/MilesKeyword
Citi Rewards Visa/Mastercard®
Citi Silver Visa/Mastercard®
Citi Gold Visa/Mastercard®
Citi Platinum Visa/Mastercard®
Citi Clear Visa/Mastercard®
Citi Clear Platinum Visa/Mastercard®
Citi ULTIMA Visa Card
Citi Prestige Card
S$10 4,400 Points CASH10
S$20 8,800 Points CASH20
S$50 22,000 Points CASH50
Citi PremierMiles Visa/Mastercard® S$10 1,650 Miles PMCASH10
S$20 3,300 Miles PMCASH20
S$50 8,250 Miles PMCASH50
Citi Lazada Card S$10 4,400 Reward Points CASH10
S$20 8,800 Reward Points CASH20
S$50 22,000 Reward Points CASH50
Citi SMRT Card $10 10 SMRT$ SMRT10
$50 50 SMRT$ SMRT50
$100 100 SMRT$ SMRT100
Citi Cash Back+ Card S$10 S$10 Cash Back CSHBK10
S$20 S$20 Cash Back CSHBK20
S$50 S$50 Cash Back CSHBK50
Click here for Citibank Cash Rebate Program full terms and conditions.
Click here for Citibank Cash Rebate Program full terms and conditions for Citi SMRT Card, Citi Lazada Card and Citi Cash Back+ Card.





Vouchers & Other Rewards





With Citi ThankYouSM Rewards, discover a world of rewards with your Points or Miles. Shop & redeem for an incredible selection of merchandise from many of the world’s leading brands, gift vouchers, hotel stays and more.


Learn more >

Apple Products



Get your hands on your favourite Apple products by redeeming your Points or Miles with Citi ThankYouSM Rewards. Turn your Points or Miles into things you love.


Learn more >








Instant Points Transfer



BIG Rewards

Frequent flyer programme of AirAsia


Instantly transfer your Points or Miles to BIG Points directly on the BIG Rewards mobile app. Redeem your BIG Points for your next holiday!


Learn more >


Kris+

Lifestyle app of Singapore Airlines


Rewarding benefits and privileges from Kris+ awaits you. Instantly transfer your Points or Miles into KrisPay miles and redeem from an array of exciting rewards on Kris+.


Learn more >


GrabRewards

Loyalty programme of Grab


Instantly transfer your Points or Miles to GrabRewards Points with no extra hassle. Use your GrabRewards Points to offset your rides, food delivery and redeem for a range of exciting rewards on the Grab app!


Learn more >


Points Transfer



Transfer your rewards to airline miles or hotel points with our global airline and hotel loyalty programme partners.


Learn more >



Conversion Rate


25,000 Points
10,000
airline miles/ hotel points


10,000 Miles
10,000
airline miles/ hotel points


Points Transfer PartnersCiti ThankYou PointsCiti MilesAirline Miles/Hotel Points
Asia Miles 25,000 10,000 10,000 Asia Miles
British Airways Executive Club 25,000 10,000 10,000 Avios
Etihad Guest 25,000 10,000 10,000 Guest Miles
Eva Air Infinity MileageLands 25,000 10,000 10,000 Infinity MileageLands Miles
Flying Blue 25,000 10,000 10,000 Flying Blue Miles
IHG Rewards Club 25,000 10,000 10,000 IHG Rewards Club Points
Qantas Frequent Flyer 25,000 10,000 10,000 Qantas Points
Qatar Airways Privilege Club 25,000 10,000 10,000 Qmiles
Singapore Airlines KrisFlyer 25,000 10,000 10,000 KrisFlyer Miles
Thai Airways Royal Orchid Plus 25,000 10,000 10,000 Royal Orchid Plus Miles
Turkish Airlines Miles&Smiles 25,000 10,000 10,000 Miles




New Features on Citi Mobile® App


A new experience of rewards right at your fingertips




Rewards Currency Bar


View all your rewards balances at a glance. Tap and see your card’s Rewards Dashboard.





Rewards Dashboard


See your rewards history and rewards redemption options, all in a single consolidated view.

Conveniently redeem for Pay with Points, Cash Rebate, Points Transfer or subscribe for automatic redemptions through Always Pay with Points.



Rewards History


Check on your rewards earned, redeemed and adjusted since your last statement.




FAQs


Pay with Points

What is Pay with Points?

Pay with Points is an instant gratification channel for rewards redemption where cardmembers can choose to pay for their purchase with their Rewards to enjoy savings. "Rewards" means Points, Miles, SMRT$, Rebates, Reward Points and Cash Back.

How does Pay with Points work?

Pay with Points SMS
  1. Pay for your purchases with your Citi Credit Card.
  2. An SMS will be sent to your registered mobile number along with a link for you to redeem for your transactions.
  3. Tap on the link and select the amount that you wish to redeem.
  4. Upon confirmation of successful redemption, a statement credit will be reflected in your next statement of account
Pay with Points Online via Citi Mobile® App
  1. Login to the Citi Mobile App. Tap on your rewards balance on the top of the screen and open the Rewards Dashboard.
  2. Tap on "Pay with Points" or "Pay with Miles"
  3. Select the transactions you wish to redeem for. You can select up to 5 other transactions to redeem. Review and tap on "Pay with Points" or "Pay with Miles" to proceed with the redemption.
  4. Upon confirmation of successful redemption, a statement credit will be reflected in your next statement of account.
Pay with Points Online via Citibank Online
  1. Login to Citibank Online.
  2. Select a card and view your list of transactions.
  3. Click on "USE YOUR POINTS/MILES" at the bottom of the page.
  4. Select individual or multiple transactions to redeem for.
  5. Review the redemption details and complete the redemption.
  6. Upon confirmation of successful redemption, a statement credit will be reflected in your next statement of account.
Pay with Points via MerchantsFor One-Time Enrollment:
  1. Download the latest AXS m-Station mobile app. Do ensure to secure your account with a passcode when you login.
  2. Go to the main navigation on the top left and select Settings -> Manage Payment Modes -> Pay with Credit Card Points -> Citi Pay with Points.
  3. Enter the last 4 digits of your credit card number and full mobile number, verify your OTP and you will be successfully enrolled.
For Redemption:
  1. Pay for your bills, fines, top-ups or any other services available on AXS.
  2. After successful payment of an eligible transaction, your rewards balance will be shown along with the amount required to redeem.
  3. Enter the redemption amount, click on "Redeem" and that completes your transaction! A statement credit will be reflected in your next statement of account.
Always Pay with Points
  1. Login to the Citi Mobile App. Tap on your rewards balance on the top of the screen and open the Rewards Dashboard.
  2. Scroll down to Always Pay with Points and select your favourite merchants to enroll for automatic redemptions.
  3. Select the amount limit and time period to redeem to complete the setup.
  4. Shop with your favourite merchants and enjoy automatic redemptions on your purchases. An email confirmation will be sent to you.
  5. A statement credit will be reflected in your next statement of account.
Samsung Pay - Citi Pay with Points
  1. Pay for your purchases with Samsung Pay.
  2. Tap on "Citi Pay with Points" notification.
  3. View & choose to redeem from the latest 10 transactions made in the last 30 days.
  4. Tap on "Redeem Now" to proceed.
  5. Upon confirmation of successful redemption, a statement credit will be reflected in your next statement of account.

What transactions are eligible for Pay with Points?

Pay with Points SMS Eligible Transaction refers to the charge of Cardholder’s purchase at a PWP SMS Merchant to a Citi Card, with a Participating PWP SMS Merchant. "PWP SMS Merchants" refers to the merchants or category of merchants as listed at citibank.com.sg/pwp.
Pay with Points Online Eligible Purchases are retail purchases made using your Citi Card within 60 days of a Points/Miles redemption date. Temporary authorizations are not eligible for redemption under the Pay with Points service. A "retail purchase" means a purchase of any goods or services by the use of the card and may, at our reasonable discretion include or exclude any card transaction as may be determined by us. Retail purchases exclude annual cardmembership fees, interest, late payment charges, GST, cash advances, easy/ extended payment plans, income tax payments, bill payments (for example, payments via Citibank Online or via any other channel or agent (such as a third party agent for payment of bills) whether for bill payments or otherwise) and any other form of service / miscellaneous fees and such other transactions excluded from earning Points/Miles as set out in the relevant cardmember's agreement applicable to your Citi Card.
Pay with Points via Merchants Eligible Pay with Points via Merchants refers to the charge of Cardholder’s purchase at Eligible PWP Integrated Merchants to a Citi Card. "Eligible PWP Integrated Merchants" refer to the merchants listed on citibank.com.sg/pwp that have been integrated with Citi’s PWP Program.
Always Pay with Points Eligible Pay with Points via Merchants refers to retail purchases made using your Citi Card at the point of authorization with an Eligible Always PWP Merchant. "Eligible Always PWP Merchants" refers to the merchants as listed at citibank.com.sg/pwp.
Samsung Pay - Citi Pay with Points Eligible Transaction refers to the charge of Cardholder’s purchase at Participating Samsung Pay PWP Merchants to a Citi Card, where the transaction is made with Samsung Pay and you have the required Points/Miles for redemption. "Participating Samsung Pay PWP Merchants" refer to the merchants that accept Samsung Pay as a form of payment.

Who is eligible to use Pay with Points?

Pay with Points SMS The Pay with Points SMS service is only available for the Citi Platinum, Citi Rewards, Citi Clear Platinum, Citi Gold, Citi Classic, Citi Clear Classic, Citi Clear, Citi PremierMiles, Citi Business, Citi Corporate, Citi Prestige, Citi ULTIMA, Citi M1, Citi Lazada and Citi Cash Back+ Cards, excluding Citi SMRT Cards issued by us
Pay with Points Online

Источник: https://www.citibank.com.sg/gcb/credit_cards/cc_rwds_redeem.htm

Pay with Rewards
U.S. Bank + PayPal

Shop millions of stores online, then use the rewards
you've earned to checkout through PayPal!

Link your U.S. Bank card

Here's how it works.

Now you can use the rewards you've earned with your U.S. Bank card to pay for your purchases wherever PayPal is accepted.

Pay with Rewards makes shopping easy.

When you shop online, at checkout choose Buy Now with PayPal, then login to PayPal. Select Pay with Rewards and choose the amount of rewards to use toward this purchase.

Link your card to PayPal.

1. Login to your account with PayPal and go to your Wallet.
2. Click Link a new card or bank then Link a debit or credit card.
3. Select U.S. Bank and login to your Online Banking account.
4. Follow the instructions and then click Agree & continue.

Once linked, you'll see your available reward balance and an option to use rewards at checkout with PayPal. Terms Apply

View Wallet
If you change your mind, click Details on your card page, then Stop Using U.S. Bank Rewards with PayPal.

Donate your rewards to a good cause

It's easy to donate your rewards to a cause you care about. Your points will automatically be converted to the equivalent dollar donation amount.

Donate Now

Privacy Pledge

The creditor and issuer of U.S. Bank credit cards is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Inc. and American Express. American Express is a federally registered service mark of American Express.

© 2020 U.S. Bank

We’ll use cookies to improve and customize your experience if you continue to browse. Is it OK if we also use cookies to show you personalized ads? Learn more and manage your cookies

Источник: https://www.paypal.com/us/webapps/mpp/pay-with-rewards/usbank

U.S. Bank Cash+™ Visa Signature® Card Review

This offer is no longer available.

The U.S. Bank Cash+™ Visa Signature® Card is a strong contender to make our regularly updated list of the best cash back credit cards for U.S. consumers. It has a generous cash back program that includes 5%, 2% (unlimited), and 1% (unlimited) tiers – one of the more favorable constructions around. You can designate two favored spending categories for the 5% tier and one for the 2% tier. The 1% tier how to redeem us bank cash plus rewards all other eligible purchase spending.

With no annual fee, the U.S. Bank Cash+ Visa Signature Card is great for any budget, provided you can align your spending to the favored categories you’ve selected. There’s no limit to how much you can earn in the aggregate – so, if you have big spending plans and need a new credit card, now’s the time to get started.

Here’s what you need to know about U.S. Bank Cash+ Visa Signature Card’s features, advantages, disadvantages, and overall suitability.

Key Features

Sign-Up Bonus

When you apply online and make at least $500 in eligible purchases during the first 90 days, you’ll earn a $150 new cardmember bonus. Combined with bonus cash back earnings in the 5% cash back tier (see below), this new cardmember bonus helps push total potential bonus cash back earnings in the first year to $550 – a fantastic value for a no-annual-fee card.

Earning Cash Back

This card has a three-tiered cash back program.

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.

There’s no limit to your aggregate point earnings. Unused cash rewards expire 36 months after the billing cycle during which they’re earned. Category options are subject to change quarterly, and you one chart palmetto health register for your chosen categories on a quarterly basis.

us bank cash plus categories

Redeeming Cash Back

You can redeem your accumulated cash back for statement credits to your Cash+ account; direct bank how to redeem us bank cash plus rewards deposits to a U.S. Bank checking, savings, or money market account; or U.S. Bank Rewards Card (gift card).

There’s no minimum redemption threshold for statement credits or bank account deposits. Reward card redemptions are subject to a $20 minimum and must be made in $5 increments.

Visa Signature Benefits

Cash+ has some useful benefits backed by the Visa Signature program:

  • Complimentary Rental Car Insurance: You’re entitled to complimentary rental car coverage (loss and damage) for rentals paid in full with your Cash+ card.
  • Retail Protection: This benefit provides reimbursement after certain adverse shopping events, subject to key limitations and restrictions. Read your account disclosures for more details.
  • Concierge Service: This 24/7 benefit is ideal for travelers who need to make complicated restaurant, entertainment, or travel reservations in unfamiliar places, even where they don’t speak the language.

Other benefits may be available as well – check your credit card agreement and disclosures for specifics.

Introductory APR

U.S. Bank Cash+ has a 12-month, 0% APR introductory promotion for balance transfers. To qualify, balance transfers must be made within 60 days of account opening. After the end of the introductory period, variable regular interest rates apply on the transfers’ full remaining balance. There’s no corresponding introductory APR promotion for purchases.

Regular APR

Following the end of the balance transfer promotion period, variable regular APR applies to all balance transfers. The variable regular purchase APR applies from the day you open your account.

Overdraft Protection for U.S. Bank Deposit Account Holders

As a U.S. Bank deposit account holder, you can link your Cash+ card to your qualifying deposit account to protect against overdraft transactions. This opt-in protection automatically executes deposit account transactions that would normally result in negative account balances or NSF denials. U.S. Bank then draws a corresponding cash advance on your credit card’s cash advance line to cover the shortfall.

Most bank accounts charge daily fees for this service, typically $7.50 to $12.50. Some higher-end accounts waive these fees. Your cash advance begins accruing interest at the regular cash advance rate as soon as it’s executed, so it’s in your best interest to pay it off as soon as possible.

Important Fees

There is no annual fee. Foreign transactions cost 2% for U.S. dollar-denominated transactions and 3% for transactions denominated in foreign currency.

Balance transfers cost the greater of $5 or 3% of the transferred amount, even during the introductory period. Cash advances cost at least the greater of $5 or 3% of the advanced amount. Some types of cash advances, including overdraft protection transfers, cost more.

Credit Required

This card requires good to excellent credit.

Advantages

  1. No Annual Fee. The U.S. Bank Cash+ Visa Signature Card has no annual fee. If you don’t spend heavily enough to offset recurring levies, or simply (and understandably) want to maximize your return on spending, that’s music to your ears.
  2. Solid Sign-up Bonus. When you spend at least $500 in eligible net purchases within 3 months of opening your account, you get $150 bonus cash. That’s a solid rate of return and should be fairly easy to attain when you use this card for everyday spending in your favored category. Combined with bonus cash back earnings in the 5% cash back category, new cardmembers may earn up to $550 in bonus cash in the first year.
  3. Very Good Ongoing Cash Back Rate in Favored Categories. This card’s rate of return on spending is impressive. Earn up to 5% cash back on $2,000 in combined quarterly spending in your 2 top categories and unlimited 2% cash back in your next favorite category. If you choose your 2% category right, you can really rack up the returns there.
  4. 12-Month 0% APR Promotion on Balance Transfers. This card’s 12-month, 0% APR balance transfer promotion is great news for new cardholders who’ve previously struggled with high-interest credit card debt.
  5. No Minimum Redemption Amount for Select Redemption Options. You don’t have to worry about minimum redemption thresholds for statement credits or bank account deposits here – you can redeem in any amount, at any time.
  6. Visa Signature Benefits. U.S. Bank Cash+ comes with a nice lineup of Visa Signature benefits, including complimentary rental car insurance and concierge service. That’s a big advantage over Visa Platinum cards, which aren’t nearly as foundation first bank waterloo ne. If you take full advantage of your Visa Signature perks, you can save hundreds each year – particularly if you’re a frequent car renter.
  7. No Penalty APR. This card doesn’t charge penalty interest. This is good news for cardholders who sometimes miss statement due dates because of cash flow issues or unexpected expenses that they can’t pay off in a single month.

Disadvantages

  1. Mediocre Cash Back Baseline. This card’s baseline cash back rate is a mere 1%. That’s better than nothing, but far from competitive with top-earning cards like Citi Double Cash Card (unlimited 2% back on all eligible purchases).
  2. No Purchase APR Promotion. The U.S. Bank Cash+ Card’s balance transfer promotion is nice, but there’s no comparable purchase promotion to shore it up. If you’re looking for a rewards credit card that cuts you a break on purchase interest for months or years after your sign-up date, look to the Capital One Quicksilver Credit Card.
  3. Quarterly Registration Required to Earn 2% and 5% Cash Back. If you want to realize this card’s full cash back potential, you’ll need to register your 2% and 5% cash back categories on a quarterly basis. This is a time-consuming procedural hurdle that most competing cash back cards eschew.
  4. 2% to 3% Foreign Transaction Fee. This card adds 2% to 3% to each foreign transaction. Dollar-denominated transactions are cheaper, but some comparable cards (including Capital One Quicksilver) waive foreign transaction fees altogether.
  5. Cash Back Points Expire After 36 Months. Unused cash back earned with this card expires in 36 months. That’s a substantial drawback relative to cash back cards whose unused cash back never expires, and a potential dealbreaker for occasional users.

Final Word

The U.S. Bank Cash+™ Visa Signature® Card is just one of several credit cards issued by U.S. Bank. If you prefer to earn flexible loyalty currency that you can redeem for gift cards, general merchandise, travel credits, and other items, you might prefer one of the bank’s FlexPerks cards. If your primary concern is securing a low introductory or ongoing APR, the no-frills U.S. Bank Visa Platinum Card may how to redeem us bank cash plus rewards a better fit. Whichever you choose, you can count on the same great service and value-added perks you’ve come to expect from U.S. Bank.

Источник: https://www.moneycrashers.com/us-bank-cash-plus-card-review/

U.S. Bank Cash+ Review: 5% Back in Bonus Categories of Your Choice

Top perks

The U.S. Bank Cash+™ Visa Signature® Card has several valuable features.

Sign-up bonus

As a new cardholder, you can earn $150 in bonus rewards after you spend $500 on eligible purchases within 90 days of opening this credit card. While there are other cash back cards with higher sign-up bonuses, this bonus amount is reasonable for a no annual fee card. Plus, most consumers can meet the $500 spending requirement with their regular spending. How to redeem us bank cash plus rewards makes it less likely you'll be tempted to take on unnecessary debt just to earn a sign-up bonus.

Flexible rewards program

The U.S. Bank Cash+™ Visa Signature® Card lets you choose the spending categories where you earn bonus cash back. Here's how much you can earn:

  • 5% back on the first $2,000 in combined purchases each quarter across two categories of your choice, such as home utilities, department stores, and ground transportation
  • 2% back on all your spending in one "everyday" category of your choice, such as gas stations, grocery stores, or restaurants
  • 1% back on other spending

You must activate your bonus categories each quarter to earn the higher cash back rates. Categories can change from quarter to quarter, although many remain the same.

Being able to pick your bonus categories is a big plus with this card. The spending cap in its 5%-back categories is also higher than other cards with take me to the nearest sheetz rewards. Most of them cap bonus cash back at $1,500 in bonus category spending per quarter.

No annual fee

Like many of the best cash back credit cards, the U.S. Bank Cash+™ Visa Signature® Card doesn't have an annual fee. This means you won't need to pay an annual maintenance fee just to keep your account open. So, even though you may not max out your bonus cash back categories every quarter, you don't need to worry about earning enough cash back to make up for the cost of a pricey annual fee.

0% intro balance transfer APR

This card offers a 0% intro APR on balance transfers for the first 12 billing cycles. There is a balance transfer fee of 3% of the amount transferred with a $5 minimum, which is the standard fee amount, and transfers must be made within 60 days of account opening.

If you're paying off credit card debt, this card can help you pay less interest in the process. Note that there are balance transfer credit cards with a longer 0% intro period, and those are worth considering if you need more than a year to pay off debt.

Travel and consumer protections

Thanks to its Visa Signature status, the U.S. Bank Cash+™ Visa Signature® Card includes the following coverages on eligible purchases:

  • Auto rental damage collision waiver
  • Extended warranty coverage of up to one additional year on warranties of three years or less
  • Purchase protection against damage or theft within 90 days of the purchase date

Because these benefits are offered by Visa, rather than How to redeem us bank cash plus rewards. Bank, you may need to go through Visa to file a claim. Check your cardholder agreement for details on your specific benefits.

Источник: https://www.fool.com/the-ascent/credit-cards/us-bank-cash-visa-signature-card-review/

MidFirst Rewards Credit Cards

A MidFirst Bank Rewards Credit Card allows you to earn rewards for every qualifying net dollar you spend.* Rewards points may be redeemed for valuable merchandise, exciting travel, gift cards and cash back! We are continually updating our options so you can choose from the latest and greatest rewards.

Redeem for Gift Cards:
Choose your redemption value and type of gift card. From MidFirst Bank Gift Cards that can be used anywhere Visa® is accepted, to national brands such as Best Buy®, Amazon®, Cabela's®, Kohl's® and more!Gift Card images

Popular Gift Cards:Points*
$25 iTunes® Gift Card3,800
$50  Amazon® Gift Card5,500
$50 MidFirst Gift Card5,500

Gifts for Everyone:
MidFirst has a robust catalog of over 1,600 items including brand names like Apple®, Coach®, Pandora®, Dyson® and Sony®. Online ordering is available 24/7.Rewards images

Popular Merchandise:Points*
Fire HD 6 8GB Tablet by Amazon®16,500
FlexTM Activity + Sleep Wristband by FitBit®15,600
Dooney & BurkeTM Gretta Signature Satchel26,900

Redeem for Cash Back:
Receive cash back for points in the form of a statement credit.

Redeem for Cash Back:Points*
$50 Statement Credit5,500
$100  Statement Credit10,500

Book a Dream Getaway:
Redeem for air travel, cruises, hotel stays, car rentals, vacation packages and more! Book your travel online 24/7.

24/7 Customer Service:
Awards Headquarters is available to assist you. For rewards program inquiries, or if you have additional questions or comments about the MidFirst Bank Rewards program, call 866.772.6184 – 24 hours a day, 7 days a week.*

For travel reservations or travel inquiries call 844.538.3420 from 8 a.m. to midnight (Eastern time) Monday – Sunday.
Beach image

Источник: https://www.midfirst.com

U.S. BANK CASH REWARDS VISA® CARD

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U.S. Bank Cash Rewards credit card

Benefits and Rewards

Get the most from your card.

Earn cashback on everyday purchases.

  • 1% cash back1 on all purchases.2
  • No limit or caps on the cash back you can earn.

Important:

  • Cash back rewards will expire at the end of the calendar month 36 months after the billing cycle in which they were earned.
  • The account must be open and in good standing to earn and redeem rewards.

The U.S. Bank Cash Rewards Card makes it just as easy to redeem as it is to earn:1

  • Deposit your cash rewards into your U.S. Bank checking, savings or money market account.
  • Receive a statement credit to your credit card account.
  • Receive a U.S. Bank Rewards Visa® Card.

How to redeem rewards through Online Banking:

  1. Log in to Online Banking, this link opens in new window.
  2. Locate the "My Accounts" tab and select "My Rewards".
  3. Select "Redeem Rewards"

Register for Real-Time Rewards to redeem cash rewards instantly for nearly any purchase.3

If you prefer the control and simplicity of shopping at your favorite sites and stores, Real-Time Rewards lets you redeem for the rewards you want from the stores you prefer, without visiting the Rewards Center. And you can choose the redemption categories that matter most to you — such as department stores, electronics, grocery stores, airlines or lodging. You're always in control of where and when you want to redeem.

  1. Log in at usbank.com, and under My Account click My Rewards, then click Redeem Rewards & Access Card Benefits.
  2. Click "More" in the top Navigation Bar, then click on "Real-Time Rewards" and follow the steps to enroll.
  3. Complete the enrollment form.

Contact Us to reach Cardmember Service.

Visa Offers + Perks

Enjoy discounts at the places you love to shop. Indulge your passion and gain access to a wide variety of offers and deals, including food and wine, shopping, sports, entertainment and more. Find your favorites at visa.com/offers, this link opens in new window.

NortonLifeLock

Tools to help you act quickly if your personal data is threatened
No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can provide you with greater peace of mind. ID Navigator Powered by NortonLifeLock provides you with the tools to americas best safety glasses keep you informed of potential threats to your identity, so you can act quickly should the unexpected happen.4

To confirm eligibility, visit cardbenefitidprotect.com. This link opens in new window

Roadside Dispatch®

Get emergency roadside assistance with services like towing, fuel delivery, and more by calling 1-800-847-2869. Tell the operator where you are, what the problem is, and the operator will arrange a dispatch to a reliable tow operator or locksmith to provide help. The operator will let you know the name of the local tow operator or locksmith being sent to assist you. Cardmembers are responsible for any service fees. Certain terms, conditions, and exclusions may apply.5

24/7 Account Access

Use Online Banking or in the U.S. Bank Mobile App to make a payment, check your balance, view transactions, lock/unlock your card and much more.

Contact Us or call the number on the back of your card.

Fraud Protection

We have sophisticated fraud-monitoring tools that look for abnormal spending patterns. If we see something unusual, we move fast to keep your card and your account information safe.

Your account is also protected with zero fraud liability, which means you’ll get reimbursed for 100% of fraud losses due to unauthorized use of your account. Please notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.6

Your Credit Score

Cardmembers enrolled in Online Banking can obtain their credit score at no cost.7 This tool tracks your score over time, shows you how certain credit actions can impact your score and provides helpful information on how to maintain good financial health. This credit score is for educational purposes and is not used by U.S. Bank to make credit decisions. Sign up in Online Banking link opens in new window or sign up in the U.S. Bank Mobile App- link opens in new window.

Learn Moreabout your credit score. This link opens in a new window.

Credit Wellness Center

Maintaining good credit how to redeem us bank cash plus rewards life easier in a variety of ways. At the Credit Wellness Center, you can get answers to important credit questions such as:

  • What is a credit score?
  • How are credit scores calculated?
  • Why does credit matter?
  • How can I improve my credit score?

Learn More about credit wellness. link opens in new window.

Источник: https://www.usbank.com/credit-cards/benefits/cash-rewards.html

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Get a decision in as little as 60 seconds.

5% cash back2

on your first $2,000 in combined eligible purchases each quarter on two categories you choose.3

2% cash back

on one everyday category, like Gas How to redeem us bank cash plus rewards, Grocery Stores or Restaurants.3 1% cash back on all other eligible purchases.

Earn more cash back

Earn even more cash back when making purchases at over 1,100 online stores through the Rewards Center Earn Mall.

$200 bonus

Earn a cash back rewards bonus of $200.

Watch the Cash Plus video below to find out how easy it is to maximize your rewards.

With the Cash+ Visa Signature card you get to choose how to maximize your rewards

Watch how easy it is.

Apply now

Earn 5% cash back on two categories of your choice

Earn 2% cash back on one everyday category

  •  Grocery stores
  •  Gas stations
  •  Restaurants

Plus, earn 1% cash back on all other eligible purchases.

Cash Back Calculator

Get rewarded where you spend the most.

To begin, please select at least one cash back category and enter your monthly spend.

Flexible redemption

Get your cash back as a statement credit, a rewards card, or directly deposited to your U.S. Bank checking or savings account. Flexible options designed to fit your needs.2

Zero fraud liability

With zero fraud liability you can be confident you will not be held responsible for charges you did not authorize.5

Contactless

Pay with a tap. Use your Cash+ card for contactless payments wherever you see the Contactless Symbol.

Digital wallet

Add Cash+ to your mobile wallet and earn cash back conveniently and securely.

Frequently Asked Questions

Show All

  • With the U.S. Bank Cash+® Visa cash back credit card, you can earn 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose. You earn 2% cash back on your choice of one everyday category, and 1% cash back on all your other eligible net purchases. If you don't choose your Cash+ Categories each quarter, all your eligible net purchases will still earn 1% cash back.

  • You can get your cash back rewards at any time online through the rewards center. Log in, select your U.S. Bank Cash+ account and select "Rewards Center" or call the Cardmember Services number on the back of your U.S. Bank Cash+® Visa cash back credit card.

  • Yes. Your U.S. Bank Cash+® Visa Signature® Credit Card is eligible to use at the Rewards Center Earn Mall. The Earn Mall is the easiest way to earn additional cash back while shopping online at over 1,100 stores using your U.S. Bank Cash+ Visa® Credit Card. Earn everyday cash back on your credit card and then earn additional cash back by shopping through the Rewards Center Earn Mall.

  • Log in at usbank.com. Under Credit Cards, click Redeem for your Cash+ card. Then click on Earn Mall in the Rewards Center and start shopping. By using the Rewards Center Earn Mall on with your U.S. Bank Cash+® Visa Signature® Credit Card you will be able to earn more cash rewards by shopping online. Earn cash rewards on your credit card purchases and then earn additional cash rewards by shopping through the Rewards Center Earn Mall.

  • Once enrolled, redemption is quick and easy. Make a purchase on your U.S. Bank Cash+® Visa Signature® Credit Card, and you will receive a text with the option to redeem cash rewards toward that purchase. Reply 'REDEEM' to complete the redemption. You must have enough cash rewards to cover the entire purchase in order to receive the text message to redeem. Your cash rewards will be deducted from your cash rewards balance and redeemed in the form of a credit to your monthly billing statement. See Program Rules for additional details.

Other options to consider

Looking for a credit card with different benefits?

Cash back, points for travel, dining, or groceries, and low introductory APRs. Check out our wide range of cards that could fit your needs.

Compare all cards

Источник: https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html?bvstate=pg:2/ct:r

Best US Bank Credit Cards

Benefits

If you are looking for a cash back card, there are a lot of choice available. Issuers are being aggressive with their benefits to try and persuade new customers. One of the best US Bank cards for cash back is the U.S. Bank Cash+ Visa Signature Card.

You will also have the chance to pick two categories where you will be able to earn 5% cash back in combined purchases up to $2,000 each quarter. Categories you can choose from how to redeem us bank cash plus rewards include cell priorities usa contact info, movie theaters, fast food and more.

In addition, you will also have the chance to earn bonus cash back on everyday purchases. Earn 2% cash back for your choice of one everyday category (i.e. gas or groceries). Any categories that you don’t select for bonus cash back, plus any other eligible purchases, will earn 1% back.

Things to Consider

It’s important that every quarter you make your choices for the bonus cash back categories. If you don’t, you will automatically receive the standard 1% back on all purchases.

If you need to transfer an existing balance from another card, you can do so within the first 60 days, and have 0% APR for 12 billing cycles. After that the APR will change to the standard purchases APR of 13.99% - 23.99% Variable.

Verdict

If you are looking for a solid cash back card, then the U.S. Bank Cash+ Visa Signature Card should receive solid consideration. Not only does it have no annual fee, but you will earn up to 5% back in categories you choose (up to the quarterly max).

Compare Similar Cash Back Offers

Источник: https://smartasset.com/credit-cards/best-us-bank-credit-cards

U.S. Bank Cash+ Visa Signature Credit Card Review

Key features

  • Annual fee: $0

  • Welcome bonus: $150 after $500 in spend within the first 90 days of account opening

  • Spending Multipliers:

    • Earn 5% cash back on the first $2,000 in purchases each quarter on the two categories you choose

    • Earn 2% cash back on your choice of an everyday category like gas stations or grocery stores

    • Earn 1% cash back on all other purchases

Review: Is the U.S. Bank Cash+ Worth It?

The U.S. Bank Cash+ is ideal for those who want more control over their spend categories. Each quarter, you’ll need to choose and activate your 5% and 2% categories to earn more cash back.

You can choose categories up to 45 days before each quarter begins, and change the categories up to 5 days before each quarter begins.

If you forget to choose your categories, you can still select them during the quarter. However, if you don’t choose any categories, all purchases will earn 1% cash back.

Cash back earned can how to redeem us bank cash plus rewards redeemed anytime in the form of a deposit to your U.S. Bank account, a statement credit, or a U.S. Bank Rewards Card.

Important: Unredeemed Cash Rewards expire 36 months after the billing period security first insurance colorado were earned. Be sure to redeem Cash Rewards before they expire.

5% Cash Back Categories

As of April 2019, here are the sample categories you can select to earn 5% cash back:

  • Cell Phone Providers

  • Department Stores

  • Electronic Stores

  • Gyms/Fitness Centers

  • Fast Food

  • Home Utilities

  • Sporting Goods Stores

  • Furniture Stores

  • Select Clothing Stores

  • Movie Theaters

  • Ground Transportation

Select two categories from the list above to activate each quarter to earn 5% on up to $2,000 in combined purchases.

2% Cash Back Categories

Select one category to activate from the list below to earn 2% each quarter:

  • Grocery Stores

  • Gas Stations

  • Restaurants

Bottom Line

If you want a cash back card that lets you pick categories based on your spending habits, the U.S. Bank Cash+ is a good option to consider.

With other 5% category cards, the credit card issuer dictates the rotating categories that might not fit your lifestyle.

Источник: https://www.asksebby.com/credit-cards/us-bank-cash-visa-signature-credit-card-review
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