Credit Cards » Credit Card Reviews » U.S. Bank Cash+® Visa Signature® Card: 2024 Review
Advertiser Disclosure This website is an independent, advertising-supported comparison service. The product offers that appear on this site are from companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval. This allows us to maintain a full-time, editorial staff and work with finance experts you know and trust. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impacts any of the editorial content on The Smart Investor. While we work hard to provide accurate and up to date information that we think you will find relevant, The Smart Investor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Learn more about how we review products and read our advertiser disclosure for how we make money. All products are presented without warranty.

U.S. Bank Cash+® Visa Signature® Card: 2024 Review

U.S. Bank Cash+® Visa Signature® card Is best for consumers who are looking to maximize their cash back and do not mind keeping track of the opt-in spending categories.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+™ Visa Signature

Rewards Plan

1% – 5% 5% cash back on purchases in two categories of your choice (up to $2,000 in combined purchases per quarter, then 1 percent). 5% back on prepaid air, hotel, and car reservations through the Rewards Center. 2% cash back on one choice everyday category. 1% back on all other purchases

Sign up Bonus

$200 $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

Our Rating

4.1
4.1/5

0% Intro

15 billing cycles on purchases and balance transfers

Annual Fee

$0

APR

19.49% – 29.74% (Variable)

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+™ Visa Signature

Rewards Plan

1% – 5% 5% cash back on purchases in two categories of your choice (up to $2,000 in combined purchases per quarter, then 1 percent). 5% back on prepaid air, hotel, and car reservations through the Rewards Center. 2% cash back on one choice everyday category. 1% back on all other purchases

Sign up Bonus

$200 $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

Our Rating

4.1
4.1/5

PROS

CONS

APR

19.49% - 29.74% (Variable)

Annual Fee

$0

0% Intro

$5 or 3%, the greater

Credit Requirements

Good – Excellent

U.S. Bank Cash+® Visa Signature® Card is a Visa credit card issued through one of the largest US lending institutions, U.S. Bank. It's recommended for those who want a hands-on approach to earning and managing rewards, especially if their spending patterns vary throughout the year.

Cardholders earn 5% cash back on purchases in two categories of your choice (up to $2,000 in combined purchases per quarter, then 1 percent). 5% back on prepaid air, hotel, and car reservations through the Rewards Center. 2% cash back on one choice everyday category. 1% back on all other purchases. 

 You can also enjoy a generous sign-up bonus of $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.. The Cash+ Visa Signature offers 0% intro APR for 15 billing cycles on purchases and balance transfers. Lastly, the the card has no annual fee, which is uncommon compared to other rewards cards. 

On the other hand, the card has limitations, including a $2,000 quarterly spending cap on the 5% cash back categories, potentially restricting rewards for big spenders. The card lacks the option to transfer rewards to other programs for increased value. Additionally, it imposes fees for late payments, returned payments, balance transfers, and foreign transactions.

Is the U.S. Bank Cash+ Visa Signature Card hard to get?

The card generally requires good credit for approval, making it potentially challenging for those with fair or poor credit.

Is there a limit on the 5% cash back rewards?

Yes, there is a $2,000 quarterly limit on combined purchases in the chosen 5% cash back categories.

Can I redeem cash back for statement credits?

Yes, cash back can be redeemed as a statement credit, direct deposit, or through the U.S. Bank Rewards Card.

How long do I have to redeem my cash back rewards?

Cash back rewards expire 36 calendar months after they are earned.

Can I change my 5% cash back categories each quarter?

Yes, cardholders can choose different categories each quarter based on their spending preferences.

Does the card offer any additional benefits?

Yes, the card comes with perks like zero fraud liability, prepaid travel rewards, and shopping deals through the Rewards Center.

Pros & Cons

Let’s take a look at the benefits and drawbacks of the U.S. Bank Cash+ Visa Signature card and see if it’s the right one for your wallet or not.

Pros
Cons
Sign-Up Bonus
Spending Cap
0% APR Intro
Foreign Transaction Fee
Choose Spending Categories
Balance Transfer Fee
No Annual Fee
Opt in Every Quarter
Redemption Options
Visa Signature Card

U.S. Bank Cash+ Visa Signature new cardholders can earn $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening..

If you are looking to save money on interest, the U.S. Bank Cash+ Visa Signature card offers a 0% introductory rate for 15 billing cycles on purchases and balance transfers.

U.S. Bank Cash+ Visa Signature card allows cardholders to pick their spending categories, adds a layer of flexibility.

Many rotating bonus category cards in the market do not allow customers to choose their categories but let the cardholder know what the category is every quarter.

With no annual fee, the U.S. Bank Cash+ Visa Signature Card offers the flexibility to earn rewards without incurring additional costs.

Points can be redeemed as a statement credit, direct deposit to a U.S. Bank account, or as a U.S. Bank Rewards Card, providing users with multiple options to utilize their cash back.

Visa Signature card benefits include concierge services, travel and shopping protections, exclusive access to events, hotel perks, and extended warranties.

The card imposes a $2,000 quarterly spending cap on the 5% cash back categories, which may limit potential rewards for those with higher spending habits.

The U.S. Bank Cash+ Visa Signature card has a foreign transaction fee of 3%. If traveling, leave this card at a home for one that does not have the fee. 

There is a balance transfer fee of $5 or 3%, the greater. 

Cardholders of the U.S. Bank Cash+ Visa Signature Card need to opt in or choose their purchase categories every quarter. This requires cardholders to keep track of when they need to choose their spending categories.

This can be a pain for some customers to keep track of. If you do not opt in, your spending will default to the cash back on all spending. 

Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Rewards Simulation: How Much You Can Earn?

The best way to see if the US Bank Cash+ card is the right choice for your needs, is to calculate the amount of rewards and benefits you suppose to earn. 

Keep in mind that this is a general breakdown of expenses, so make sure to adjust it to your own consumer preferences and spending habits.

U.S. Bank Cash+™ Visa Signature

Spend Per Category
US Bank Cash+ Visa Signature
$15,000 – U.S Supermarkets
$300
$3,000 – Restaurants
$60
$6,000 – Rotating Categories
$300
$3,000 – Hotels
$30
$4,000 – Gas
$80
Total Points
/
Estimated Annual Value
$770

Where to Redeem Your Rewards?

The flexibility of the US Bank Cash+ allows you to select the categories where you'd like to earn a higher rate of cash back. You can earn points in two different categories – 5% cash back on purchases in two categories of your choice (up to $2,000 in combined purchases per quarter, then 1 percent). 5% back on prepaid air, hotel, and car reservations through the Rewards Center. 2% cash back on one choice everyday category. 1% back on all other purchases.

You can save your cashback and receive it as a statement credit, rewards card, or direct deposit into your U.S. Bank savings or checking account.

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Leverage Your Card Smartly

To make the most of this card, you must think strategically.

You can designate categories each quarter, so consider where you will spend the most money in the next three months. If you're planning a large electronics purchase, make sure this is one of your 5% categories.

Furthermore, because utilities can be one of the 5% categories, it may be worthwhile to keep this turned on during the summer and winter, when heating and cooling costs are at their highest.

How To Apply For U.S. Bank Cash+ Card?

Visit the U.S Bank Cash+ Visa Signature Card homepage and click “Apply Now.” Fill in your personal details on the next page and click “Next.”

Now, fill in your street address, city, zip code, and click “Next.”

After, choose your birth date, SSN, etc. Indicate your employment status and annual income.

Next, read through the Terms and conditions and click “Submit”.

How It Compared To Other U.S. Bank Cards?

Compared to other U.S. Bank cards, the U.S. Bank Cash+ Visa Signature Card distinguishes itself with a unique and flexible cash back structure.

Its main competitor is the Shopper Cash Rewards. While it charges an annual fee ($95 ($0 on first year)), it offers higher rewards rate 6% cash back on your first $1,500 in combined eligible purchases each quarter at two retailers you choose, 3% back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category, 1.5% back on all other qualifying purchases. Also, 5.5% back on reservations for hotels and prepaid car rentals when you book through the U.S. Bank Rewards Center..

If you want no annual fee card but with travel rewards, you can consider the U.S. Bank Altitude Go Visa Signature Card. It's designed for foodies with its strong rewards on dining and takeout, the Cash+ card provides broader choices with its customizable 5% cash back categories.

There are also more premium travel cards such as the U.S. Bank Altitude Connect or the U.S. Bank Altitude Reserve, which is a luxury card with a bunch of premium travel perks.

Is the U.S. Bank Cash+ Card Right for You?

U.S. Bank Cash+ Visa Signature card Is best for consumers who are looking to maximize their cash back and do not mind keeping track of the opt-in spending categories. 

If you are looking to charge up the card or make a large purchase and pay over time, you may want to look at another card. The high cash back on certain purchase categories may catch many consumers eyes, but if you do not spend large amounts in those categories the U.S. Bank Cash+ Visa Signature card may not be the best option for you.

Compare The Alternatives

There are other credit cards that do offer comparable cash back rewards – we’ve summarized the most popular cards which can use as an alternative to the Altitude Go card:

Capital-One-Savor-One

chase freedom unlimited card

citi simplicity

Capital One Savor card
Chase Freedom Unlimited® card
Citi Simplicity® Card
Annual Fee
$0
$0
$0
Rewards
1% – 8% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®), 1 percent on all other purchases. 10% percent cash back on purchases made through Uber and Uber Eats. 8% cash back on Capital One Entertainment purchases. 5% cash back on hotels and rental cars booked using Capital One Travel.
1.5% – 5% 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases
N/A None
Welcome bonus
$200 $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
$200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
N/A None
Foreign Transaction Fee
$0
3%
3%
Purchase APR
19.99% – 29.99% variable
20.24%–28.99% variable
19.24% – 29.99% (Variable)

FAQ

You can only earn 5% on $2,000 of combined purchases across the two categories each quarter. After this, the cash back rate will drop to the base 1%. However, there is no cap on the 2% category.

Pre-approval is available at for the US Bank Cash+ card, but only for offers received via email or mail.

Furthermore, if you are an existing customer, you may receive a pre-approved offer via your online account. There is no online tool for interested potential customers to use to check the status of their pre-approval.

When you complete the online application form, you are submitting a complete application, which will include a hard credit pull.

The initial credit limit for the Cash+ Visa card can be as low as $1,000, but it is usually between $1,000 and $1,500, depending on a variety of factors such as your credit history, income, and existing debt.

If you enjoy traveling, you may be disappointed by the lack of travel rewards and redemption options. There are far better options for a travel card, especially if you have good to excellent credit.

Given that it has no annual fee, the Cash+ card provides some decent rewards. It worth serious consideration if you are looking for an everyday card without having to worry about hefty annual fees.

Compare U.S. Bank Cash+ Visa Signature

While both cards offer great rewards and have no annual fee, the winner between the two depends on your goals. Here's our analysis.

U.S. Bank Altitude Go vs. U.S. Bank Cash+ Visa Signature

While it has an annual fee, the new U.S. Bank Shopper Cash Rewards is our winner with higher cashback for the same spend than the Cash+ card.

U.S. Bank Shopper Cash Rewards vs. U.S. Bank Cash+ Visa Signature: How They Compare?

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Review Rewards Credit Cards

Picture of Lorraine Smithills

Lorraine Smithills

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Search
Best Cards Per Category

Offers From Our Partners

Milestone® Mastercard®

Annual Fee:
$175 the first year; $49 thereafter
APR:
35.90%

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Top Offers From Our Partners

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

Milestone® Mastercard®

Annual Fee:
$175 the first year; $49 thereafter
APR:
35.90%
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

#1 In credit Cards

Our Newsletter

Sign up to our newsletter for secret credit card tips, insider advice, and exclusive deals straight to your inbox

Start saving smarter with

Our Credit Card Newsletter

Sign up for our newsletter and gain access to expert advice,
insider knowledge, and exclusive offers

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.