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 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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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 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 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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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 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 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 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.

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They pay their town sewer bill with the card and it counts as a utility. The town recently added a fee for card payments, but they still come out ahead after the bonus.

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They hold three of these cards for the utilities of their home and rental properties. Tracking each card's quarterly cap takes some work, but they say it is worth the effort for a no fee card.

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They recommend the Cash+ for its 5% utilities category and love their setup with it, paired with a basic checking account whose monthly fee has stayed waived.

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They use the Cash+ card specifically for the 5% category on utilities and their cell phone bill as part of a cash back stack, with no annual fee.

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They earn 5% back on home utilities with this card and the signup bonus was worthwhile. They like that the app shows the reward earned on every transaction so they can see whether a category worked.

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They got the card only for the 5% utilities category and say it is worth keeping for that, but they would drop the card if that category were ever removed.

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They use this card for 5% back on their utilities and phone bill and have never needed the 2% category. They see the card's value in the 5% categories alone.

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They call the 5% home utilities category darn good and say nothing else they have seen comes close. They earned no cash back on those bills before getting this card.

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They use the card only for 5% back on their utilities and phone bill, and use other cards for groceries and gas. If the utility category were cut, the card would go into a drawer.

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They never use the 2% categories because they have better cards for those, but they find 5% back on their cell phone and internet bills a handy benefit of this card.

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Calls the Cash+ a card you can age with and says earning 5% back on utility bills is their favorite bonus of all their cards.

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They own the card and say they earn the maximum annual rewards allowed, calling it a great card that rewards their category spending well.

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They run their utilities, internet service and streaming through the card, all of which earn 5%, and use other cards in their rotation for cell service, gas and everything else.

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They choose utilities and department stores as their 5% categories and note that eBay purchases code as a department store, which gives them bonus cash back on a lot of their online shopping.

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They pick home utilities, which includes their internet, and fast food at 5%, with restaurants at 2%, and stack merchant offers on fast food and restaurant spend as often as they can.

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They pick utilities and fast food as their 5% categories and stack them with frequent card-linked merchant offers from a burger chain, which keeps their coffee runs very cheap.

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They love the new card, set up with internet, utilities and streaming as 5% categories, and found gas, electric, water, sewer and garbage payments to their city all earn the utility bonus.

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They picked the card for its customizable 5% quarterly categories, using furniture one quarter and electronics the next, and found online and in-store merchants earned the bonus. The rest of the year it is just for utilities.

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They have had the card for some time and use it for home utilities and TV, internet and streaming, otherwise leaving it in a drawer. They say it is not a warehouse club card.

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They treat the card as their electronics store and utilities card and find it worth having for those two categories, while using other cards for warehouse club shopping.

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They choose home utilities and cell phone as their two 5% categories every quarter and reach the maximum reward each time, which makes the card a steady earner for their bills.

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A cardholder who says it works well for their needs. Their chosen 5% categories are usually department stores and fast food, which pays off nicely when they buy from a department store.

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They use their card for utilities and streaming at 5% and consider it well worth keeping, while they use a different card for groceries.

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They put all of their household utility bills on this card and earn 5% back on them, which is how they use the card in their regular rotation.