U.S. Bank Cash+ Visa Signature Reviews

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Got the Cash+ and spent six months cycling spend to use it for utilities; says the rewards calculations had to be fixed by calling in but it was worth the effort.

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They use the card only for utilities and say the rewards reliably pay out, but merchant category coding can be unreliable, and they would not trust other categories such as electronics or clothing stores.

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They found the gas utility service fee erased the benefit, but the card works well for streaming and department stores such as eBay. They do not like the minimum for redeeming rewards.

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They call it the best cash back card they have added to their setup, mainly for 5% on utilities. They expect it to be devalued eventually and caution that card fees on some utility bills can offset it.

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They choose utilities and internet for the 5% categories and gas for the 2% category, because card-linked offers at gas stations frequently stack on top of the base earn on this card.

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They have used the card for utilities for years and say it has gone great, though they expect the 5% utilities category to be eliminated or reduced eventually.

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They use the Cash+ for subscriptions, internet and utilities with Real-Time Rewards, but noticed the redemption value quietly dropped. Statement credit remains one to one, so they treat it as a minor annoyance.

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They used the electronics store 5% category for a TV and desktop computer purchase and found it very useful, though they note it takes planning compared with the steady utility category.

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Uses the quarterly 5% utilities category but does not earn it on their water bill because it is coded as a government organisation rather than a utility.

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Set up for 5% on utilities until July, then utilities only earned 1%; customer service closed a ticket with a letter blaming merchant coding changes, and a department store purchase also earned 1% while a partial return deducted 5%.

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They say rewards often posted at only 1% at gas stations despite a 2% selection and at a furniture store despite a 5% category. They call US Bank rewards a scam and are paying it off to cancel.

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They call their U.S. Bank Cash+ elite, though its top rate applies to fast food rather than sit-down restaurants, and they use it as part of a multi-card setup.

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They are frustrated by how US Bank handles credit limit increases through a soft pull model and find the bank insanely frustrating to deal with, though the redemption change might make them like the card again.

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They report the Cash+ rewards display showing 1% for a while on bonus category purchases until the statement is issued, then correcting, a quirk they have experienced themselves.

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They noticed when redeeming rewards to their statement that the minimum redemption warning was gone and a tiny redemption worked, which they call a nice change. They had put two of their cards away because of it.

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They use the Cash+ as one of their most used cards, picking the 5% fast food category and opting for 2% on restaurants, with many 5% categories to choose from.

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They love the Cash+, setting 5% on home utilities and fast food plus 2% on gas or restaurants; the cash back piles up with heavy spend in those categories, subject to a quarterly cap.

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They found the Cash+ sounded great in theory but gave little in practice because none of their utilities code for the 5% category, a point they flag for other applicants.

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They use the card for household expenses with utilities and streaming as 5% categories and recommend it highly, enjoying the intro 0% period. The only drawback is the US Bank app and portal, which they find poor.

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They pair the card with a Bank of America card to free up a 5% category, prepay a utility with a flat card fee near quarter end, and delay choosing their Cash+ category each quarter.

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They use the card for gyms and utilities, two categories where other cards earned them under 2%, and accept that US Bank's infrastructure is poor because 5% cash back is worth it.

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They set up the card years ago and mostly forget about it, but their large cell phone bill hit the quarterly cap, so they opened a second one to keep earning 5% on that spending.

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They love their Cash+ and consider it an excellent card, and they have been thinking about getting a second one to cover more spending with the 5% category choices.

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They had a bad experience because their gas company did not count as a utility, so it earned no bonus, and support would not fix it after they opened a ticket.

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Uses it for 5% on internet and utilities, but purchases show 5% while pending and the reward amount and percentage drop to 1% once posted, leaving them unsure it is working properly.

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They opened the Cash+ for 5% on utilities and streaming, but their water bill showed only 1% while Xfinity earned 5%; support on the phone gave unclear answers about how categories are assigned.

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They use the Cash+ for utilities; the app showed 1% on water and electricity, but after the statement posted their rewards balance reflected the correct 5%.

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They have held the Cash+ for about two and a half years; the app often shows a 1% earn rate on utilities and streaming, but the rewards actually credited are correct.

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They converted their Shopper card to the Cash+ and use it for utilities and internet, earning 5% back on those with no annual fee.

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They were given a low starting limit on the Cash+, called the same day and had it raised right away, even after opening five cards in two months. They found US Bank did not seem to mind recent openings.

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They hit the same whole-dollar redemption limit on the Cash+ when sending cash back to checking, though a statement credit to the penny worked, and found the Smartly card handled it differently.

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They hold two Cash+ cards and report that, after years of monthly cash back redemptions, the app and website now block redeeming cents, forcing a call to cardmember services.

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They redeemed Cash+ cash back the previous month with cents still working and saw no sign of the whole-dollar restriction, noting Amazon redemption as a workaround.

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They put a large amount of utility spending on the card each quarter. Their utilities charge a card payment fee, but the 5% bonus always more than covers it.

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They always choose utilities as a 5% category, since their utility spend nearly fills the quarterly bonus cap by itself, leaving no room for a second category.

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They choose home utilities and TV, streaming and internet services as their 5% categories, and were pleasantly surprised that Google Fi wireless also earned the 5% bonus.

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They use utilities and gym as their 5% categories. Utilities use up most of the quarterly bonus cap, but they still take the 5% on a gym membership because no other card pays that.

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They hold two of these cards covering utilities, furniture, internet and mobile phone, but their electric company changed payment processors and no longer codes as a utility, so only their water bill earns the bonus.

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They are considering dropping US Bank because of hassle: category selections made in the app did not register, so they lost several quarters of bonus earn, and the app later stopped showing their card.

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They have used the Cash+ regularly as a primary card for about two years, mainly for 5% on utility bills and mobile wallet purchases, and say it has not been nerfed and works as expected.