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.

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A scheduled card payment showed as missed with no pending record, and resubmitting led to the payment being debited twice; weeks of calls brought conflicting answers about the refund, and interest charged in the meantime was later refunded.

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They have had the card for years for utilities, phone and internet, but a US Bank checking account needed to redeem rewards began charging a monthly fee with no notice, draining their cash back.

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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 used the 2% grocery category at Walmart to help reach the minimum redemption on their card, but since getting a better grocery card they no longer have any use for the 2% categories.

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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 have found that some utility bills earn the 5% category and others do not, even when the biller has the word utility in its name, which they find frustrating.

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They already hold a Cash+ that they use for utilities and internet bills, and while reshuffling their cards they plan to add a second Cash+ rather than a Smartly card for category spending.

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They recently opened the card to earn 5% on a mobile phone bill and a toll tag, but both purchases only earned the base 1% rate, and they are unsure which categories those merchants qualify for.

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They say the Cash+ redeems 1:1 as a statement credit, unlike Altitude cards, and tolerate the redemption minimum given their high utility bills.

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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 report that their water company does not code as a utility on this card, so those payments do not earn the 5% bonus rate they expected.

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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 have used the Cash+ for years redeeming for cash, but are now told to redeem in fixed increments, leaving a small balance stuck in the account.

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They were approved for the Cash+ with no prior US Bank relationship, even with many recently opened accounts, after a pre-approval check. They were surprised given the bank's strict reputation.

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They report that automatic credit limit increases on their Cash+ have been pretty good over time, and they keep declining the bank's repeated offers to upgrade them to the Smartly card.

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They redeemed their Cash+ rewards at full value including cents without trouble, suggesting the redemption restrictions may be tested on only some accounts.

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They have had none of the app problems others describe and wish they had known earlier that eBay purchases count as department stores, since they spent heavily there last year.

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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 choose utilities as their steady 5% category and then rotate between furniture stores and electronics stores as the second category on their card.

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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 hold two of these cards: one with utilities and internet and streaming that stays in a drawer, and one in their wallet with gym plus furniture or department stores, depending on planned shopping.

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They use this card along with the same product from a Texas credit union, splitting the 5% categories between the two cards, and use one mainly for golf-related spending.

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They use utilities and cell phone as their 5% categories now. They dropped internet and streaming after their internet provider began offering a discount for paying by bank draft.

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They choose utilities and transit as their 5% categories because their other cards already cover the rest of their spending, so this card handles those two areas.

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They received a targeted Cash+ email offering statement credits for many small transactions and plan to use the card for micro transactions where they control the amount, to boost usage.

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They took part in the Cash+ transaction-count statement credit offer, tracking purchases by texting themselves each time, and later received the full credit after making many small purchases at one retailer.

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They use the card for their only direct utility bill, but their electric company limits prepaying and no longer supports PayPal bill pay, so they now pay monthly and are unsure whether to keep it.

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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 are a big fan of the card and hope US Bank does not cut its redemption options the way it did on its other products.

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They are disappointed because merchant category codes were inconsistent, with a local sports equipment store and furniture center both failing to earn their 5% categories, and they feel US Bank is strict about it.

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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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After using the card for a while, they always pick fast food and utilities as their 5% categories. They tried others such as department and clothing stores but never spent enough there to matter.

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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 pick utilities and ground transportation as their 5% categories on this card, which covers both their home bills and their work commute costs.

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They call it a solid card, using it for utilities, and are thinking about opening the Elan Max Cash Preferred equivalent as well.

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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.