U.S. Bank Cash+ Visa Signature Reviews

Summary of a Reddit post

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.

Summary of a Reddit post

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.

Summary of a Reddit post

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.

Summary of a Reddit post

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.

Summary of a Reddit post

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.

Summary of a Reddit post

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.

Summary of a Reddit post

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.

Summary of a Reddit post

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%.

Summary of a Reddit post

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.

Summary of a Reddit post

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

Summary of a Reddit post

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.

Summary of a Reddit post

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.

Summary of a Reddit post

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.

Summary of a Reddit post

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.

Summary of a Reddit post

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.

Summary of a Reddit post

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.

Summary of a Reddit post

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.

Summary of a Reddit post

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.

Summary of a Reddit post

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.

Summary of a Reddit post

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.