Reddit · r/CreditCards · Nov 1, 2026
MixedSummary of a Reddit comment
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.
U.S. Bank Cash+ Visa Signature Reviews
Cash-back card
How the signal works
The signal score
A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.
So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.
What people mention
Often liked
Common concerns
Topics grouped from customer reviews, with how many mention each; read the originals below.
Real customer experiences (91)
Add your reviewShowing 7 reviews mentioning great rewards Show all
Reddit · r/CreditCards · Jul 3, 2026
MixedSummary of a Reddit comment
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.
Reddit · r/CreditCards · Jul 3, 2026
MixedSummary of a Reddit comment
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.
Reddit · r/CreditCards · Nov 1, 2026
MixedSummary of a Reddit comment
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.
Reddit · r/CreditCards · Jul 3, 2026
MixedSummary of a Reddit comment
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.
Reddit · r/CreditCards · Jul 1, 2026
MixedSummary 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.
Reddit · r/CreditCards · Jun 29, 2026
MixedSummary of a Reddit comment
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.
Common questions about U.S. Bank Cash+ Visa Signature
Is U.S. Bank Cash+ Visa Signature worth it?
Of the 91 reviews with a clear verdict, 67% are positive, 16% mixed and 16% negative. The praise mentioned most is great rewards. The most common complaint is hard to redeem.
What do people like about U.S. Bank Cash+ Visa Signature?
The praise reviewers mention most: great rewards (49 reviews), easy to use (5 reviews) and low fees (4 reviews). For example: 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.
What are the most common complaints about U.S. Bank Cash+ Visa Signature?
The complaints reviewers mention most: hard to redeem (6 reviews), poor support (6 reviews) and buggy app (4 reviews). For example: 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.
What does the signal score of 78 mean?
It's how well reviewed U.S. Bank Cash+ Visa Signature is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.
What are the specs of U.S. Bank Cash+ Visa Signature?
Category: Cash-back card. Type: Choose-your-category cash-back credit card. Fees: No annual fee. Rates & rewards: 5% cash back on your first $2,000 in combined purchases each quarter in two categories you choose; 2% on one everyday category.
Where do these U.S. Bank Cash+ Visa Signature reviews come from?
91 are quotes from Reddit, each linked to the original. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.