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The Bank Cash Plus Visa Signature Card stands out in the competitive cashback credit card market by offering a unique level of personalization.
It’s built for people who want to direct where their rewards go and who enjoy having control over their finances.
With no annual fee and a simple structure, it appeals to both seasoned cardholders and newcomers looking to make every dollar count.
Unlike cards with rotating or preset reward categories, this card lets you choose your own—every quarter. And that choice can make a meaningful impact on how much you earn each month.
Once you’re approved, you’ll be able to select two 5% categories and one 2% everyday category from a predefined list.
This gives you the power to align your card’s strengths with your current needs—whether that’s covering gas, utilities, or subscriptions. It’s a rare model in the market, and one that rewards proactive users.
Bank Cash Plus Visa Signature
No annual fee No sign-up bonusHow does the Bank Cash Plus Visa Signature Card work?
The moment you activate your card, you’re eligible to start customizing your rewards. Through your online account or mobile app, you’ll choose two categories that will earn you 5% cash back—up to a combined $25 in rewards per quarter. You’ll also choose one everyday category (like grocery stores or restaurants) to earn 2% cash back, also included within the $25 cap.
This means you can earn up to $100 in bonus rewards per year if you consistently maximize the cap. All other purchases earn 1% cash back with no cap, so you’re always earning on everything you buy.
One key to success is remembering to reselect your categories every quarter. If you forget, you default back to 1% on everything, which diminishes the value of the card. But if you’re willing to spend a few minutes updating your selections, the payoff is absolutely worth it.
Main benefits for the Bank Cash Plus Visa Signature Card
The primary benefit is customization. This card lets you adapt your rewards to your spending habits, which is extremely rare in the no-annual-fee category.
It’s perfect for people who want the highest cashback in the areas they care about most.
Another advantage is simplicity. There are no complicated redemption processes—your cashback can be redeemed as a statement credit, which lowers your balance directly.
That makes it easy to track how much you’re saving, and the rewards never expire as long as your account remains open.
It’s also built with digital banking in mind. The mobile app is intuitive, allowing you to select categories, track rewards, pay your bill, and manage your card all in one place.
That level of control and ease makes this card even more appealing for people who like managing their finances digitally.
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Cons for the Bank Cash Plus Visa Signature Card
While the card has a strong rewards program, the $25 quarterly cap can be limiting. Heavy spenders might find that they max out the rewards too quickly, especially in high-volume categories like gas or groceries.
There’s also the extra effort required to select your categories manually every quarter. If you forget to do this, you’ll only earn 1% on all purchases—even in the categories where you usually spend the most.
This structure rewards engagement, but might not suit everyone’s lifestyle.
Lastly, the card charges a 3% foreign transaction fee, making it less than ideal for international travelers or people who frequently shop from international vendors.
APR and Fees: What You Should Know
The Bank Cash Plus Visa Signature Card comes with a variable APR that typically ranges from 19.49% to 29.49%, depending on your creditworthiness.
There is no introductory APR offer for purchases or balance transfers, which could be a downside for users looking to finance large expenses over time.
That said, the absence of an annual fee means you’re getting all the cashback value without having to justify keeping the card long term.
It also has standard penalty and late payment fees (up to $40), so it’s important to stay on top of your payments.
As always, paying your balance in full each month is the best strategy to avoid interest and make the most of the rewards this card offers.
How to Apply for the Bank Cash Plus Visa Signature Card
- Visit the official Bank website and navigate to the “Credit Cards” section
- Locate the “Cash Plus Visa Signature Card” and click “Apply Now”
- Complete the secure online application with your personal and financial details
- Choose your 5% and 2% categories (you can update these each quarter later)
- If approved, you’ll receive your card by mail and can start earning rewards immediately
