Card Highlights
Intro BonusN/A
APRN/A
Recommended CreditNo Credit History
- 5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you choose
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center
- 2% cash back on eligible purchases in your choice of one everyday category (like gas stations and EV charging stations, grocery stores and restaurants)
- 1% cash back on all other eligible purchases
Annual FeeN/A
Intro Purchase APRN/A
Rewards & Redemption Details
- 5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you choose
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center
- 2% cash back on eligible purchases in your choice of one everyday category (like gas stations and EV charging stations, grocery stores and restaurants)
- 1% cash back on all other eligible purchases
The U.S. Bank Cash+ Visa Signature Card is our pick for the best utilities credit card because you get to pick where you get your savings. To start, U.S. Bank rewards you with a $200 bonus after spending $1,000 in eligible purchases within the first 120 days when you apply online. Your first $2,000 earns you up to 5% cash back in each category on your choice of two categories, whether it is your utilities, shopping, and entertainment.
You also receive 5% cash back when you prepay your air, hotel, or car reservations in the Rewards Travel Center. From there, there is 2% cashback on an everyday category, such as gas, groceries, or dining. All other purchases earn 1% cashback. There is no annual fee, plus you get a 0% intro APR on both your purchases and balance transfers, lasting the first 15 billing cycles.
Pros:
- Welcome bonus
- No annual fee
- Generous rewards
Cons:
- Reward limits apply
- Balance transfer and foreign transaction fees